2988
3 min read
Updated on Aug 08, 2023
There are times when your health insurance claims get rejected or are delayed. Most often than not, it is your fault which leads to any delay or rejection of your claim. You make mistakes with your claim process which creates a problem with your health insurance claim.
Not following the intimation time-line
Health insurance companies have a particular timeline within which your health insurance claim should be notified to them. After notification of the claim, it is approved and the settlement is done. If you don’t follow the time-line your claim falls in jeopardy. To avoid this pitfall, intimate the insurance company in time. If it is a planned hospitalisation, inform the company 3-4 days in advance of such hospitalisation and avail approval. If it is an emergency case, intimation should be done within 24 hours of hospitalisation for easy settlement.
Health insurance claims require a complete set of your medical documents and hospital bills. Failure to submit the required documents leads to claim rejection or delay. So, when you make a claim in your policy, make sure to obtain and submit all original medical bills and reports as required by the insurance company to process your claim.
Your claim form should specifically state the policy number, date of hospitalization, and other treatments, the reason for the claim, your name, and other personal details, etc. All the required information should be correctly filled and submitted. Wrongly filling in a claim form or incomplete form would result in the delay of your claim settlement.
Every health insurance plan has exclusions. Expenses related to such exclusions are not paid by the company. So, if you make a claim for an excluded expense, your claim would be rejected. To avoid this mistake, read your policy document carefully. Understand the exclusions so that you know for what you are exactly covered under your health insurance plan.
If you make a false claim, you are committing a fraud. The result would obviously be the rejection of your claim. In fact, the insurance company might also take punitive action against you for making a false claim.
Health insurance claim process is simple. It just requires you to follow some basic steps. If you follow the steps and avoid the above-mentioned pitfalls, your claim would be settled easily and also quickly.
Choose wisely!
Also read: IRDA Health Insurance Claim Settlement Ratio 2022 for Top Health Insurance Companies
Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.
PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Insurance is an indispensable requirement. However, not everyone can afford individual medical insurance to stay covered against major uncertainties, especially after retirement. If that is.
Cancer is a disease that needs no introduction. We all know how deadly the disease is and how rapidly it is spreading across the world,.
Like in other products, GST is levied on health insurance policies too. But did you know that an NRI or non-resident Indian with a health.
Health insurance provides financial support during medical and health emergencies. To continue availing the coverage benefits of a health insurance plan, it is required to.
Antibiotics are like marvels of medical sciences which have transformed the healthcare sector by limiting some of the deadly infections. From the earliest discovery of.
If the heat within the body is causing you external issues or symptoms, you must lower it down using natural remedies to stay away from.
Our knee is an important joint in the entire musculoskeletal system. The support and strength of the knee are pivotal for fluid movement and locomotion..
Health insurance policies offer coverage against diseases and during emergency health situations. A family floater health insurance plan provides coverage to all the members of.
Good health directly impacts the stability and happiness of the entire family. It fosters both physical and emotional well-being. If the health of even a.
Central Government Health Scheme (CGHS) is a special health insurance scheme introduced in 1954 for central government employees and their family members to offer them.
Speak to our advisor
Mahindra Insurance Brokers Limited (A Mahindra Group Company) - Unit-202, A-Wing, 2nd Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, LBS Marg, Kurla West, Mumbai - 400070. Tel: +91 22 66423800
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2023 Mahindra Insurance Brokers. All Right Reserved.
Verify your number to activate your best premium offer
Please enter the OTP sent to XXXXXX 4099 to continue