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Don’t Want To Face Health Claim Rejection? Follow These 4 Tips

Published On Dec 13, 2020 5:30 AM By Sakshi Aggarwal

With health care costs skyrocketing, having health insurance for every individual in Indian has become crucial. With health insurance, we can expect to have a layer of protection that ensures that in case of a medical emergency that you and your family members have the required care. The insurance provides financial stability and gives a certain peace of mind. However, some of us have heard of claims being rejected. In this article, we will tell you exactly how to avoid it.

How Can You Avoid Having Your Health Insurance Claim Rejected?

The following tips will help you ensure that your claims are not rejected:

  • Read Exclusion List Carefully: Every health insurance policy has certain diseases or circumstances in which they will not provide compensation. These exclusions are based according to IRDAI guidelines and include things such as dental treatment, infertility, or transmitted diseases. Hence, make sure to check exactly what your health insurance policy excludes to prevent your claim from being rejected.
  • Collect Original Bills and Receipts: When making a claim make sure to furnish the insurance company with the requisite bills and receipts for a smooth claim process. Make sure to inform them of the hospitalisation, provide doctor’s prescriptions, hospital, and medical bills within the mentioned stipulated time.
  • Do Not Hide Information: Honesty with your insurance provider is important when filing for claims as discrepancies that turn up can lead to claim rejection. Pre-existing diseases if any should be openly mentioned to the health insurance provider at the time of purchase. In case you do, the insurance provider has the right to reject any claims relating to it when they come up.


In a nutshell, with the increasing costs of healthcare having health insurance has become extremely important. Moreover, most of us have also come to rely on it to provide for the costs of medical emergencies and treatments. In such a situation, the idea of a claim being rejected is a scary thought. However, if you follow the above-mentioned tips, you will surely be able to avoid such a scenario. If you want to read about the health claim filing process click here. With health insurance available online, you can now compare different health insurance companies, the plans they offer, and the network of cashless mediclaim hospitals all with a few clicks. Additionally, if you have existing health insurance you can also renew it online. Did you know that purchasing health insurance comes with tax benefits? Click here to read more. For more articles on health insurance click here.

Also Read

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When Can Health Insurance Claims Be Rejected?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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