Avoid these 5 common mistakes to prevent health insurance claim rejection

Health Insurance Claim Rejection: It's not uncommon for health insurance claims to be rejected, and while many people blame the insurance company, often the issues stem from the policyholder’s mistakes. Here are five critical mistakes to avoid to ensure your health insurance claim is not denied.

1. Providing Incorrect Information

In the rush of filling out forms, people often provide inaccurate details about their age, income, existing medical insurance policies, or profession. These errors can lead to claim rejections. Always double-check your information to avoid complications.

2. Hiding Pre-Existing Conditions

One of the biggest mistakes is not disclosing pre-existing conditions, family medical history, or habits like smoking or drinking. Failing to provide accurate information about these factors can result in claim rejection.

3. Ignoring the Waiting Period

Health insurance policies typically have a waiting period for specific diseases. If you file a claim for a condition covered under this waiting period, it will likely be rejected. Ensure you are aware of and adhere to these waiting periods.

4. Allowing Your Policy to Expire

Though less common, allowing your policy to lapse by not paying premiums on time can result in claim denial. Keep track of your payment schedule to avoid policy expiration.

5. Delaying Notification of Hospitalization

Informing your insurance company about hospitalization after the required time frame can lead to claim rejection. Each insurer has different notification timelines, so make sure to notify them promptly to avoid issues.