It’s often observed that health insurance claims get rejected, and most people blame the insurance company. However, in many cases, the fault lies with the individuals themselves. Even small mistakes can lead to claim rejection. Here are five common errors to avoid:
1. Providing Incorrect Information
Rushing through the application can lead to mistakes, like entering the wrong age, income, existing medical policies, or profession. These errors can cause complications later, even leading to claim rejection.
2. Hiding Pre-existing Conditions
A major mistake people make is concealing pre-existing conditions, family medical history, or habits like smoking and alcohol consumption. Providing false information may result in your health insurance claim being denied.
3. Ignoring the Waiting Period
Most health insurance policies have a waiting period for specific illnesses. If you file a claim related to a condition within this period, it’s likely to be rejected.
4. Letting the Policy Expire
While this is rare, failing to pay your premium on time will cause the policy to lapse. If this happens, your claim will automatically be rejected.
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5. Delaying Notification
Delaying hospitalization notification to the insurance company can result in claim rejection. Different insurers have different time frames, but if you notify them late, your claim may not be processed.
Avoid these mistakes to ensure your health insurance claim gets approved smoothly!
