Health Insurance Tips: Be careful while taking health insurance, if you make these mistakes then your claim will be rejected..

In today's hectic life, people have become so busy that they are not able to pay attention to their health. Also, with increasing age, many diseases make their home in the body. In such a situation, a large part of the earnings of many people is spent on treatment. To avoid this trouble, taking the help of health insurance is a very good option. But, if you do not pay attention to some important things, then your health insurance claim can also be rejected.

Why is it necessary to take health insurance?

A lot of money is spent on the treatment of many diseases. Health insurance can compensate for it and save you from financial problems. With this, you can also avoid problems like mental stress, because you know that you have the necessary amount for medical expenses. This also gives you financial freedom. You can spend your savings on other important things.

Reason for health insurance claim rejection

If the necessary documents are not submitted with the claim or there is any mistake in it, then the claim can be rejected.

If you already have any disease, then insurance companies do not approve that claim.

There is a time limit for submitting insurance claims, delaying it also causes problems.

If the claim is related to non-medical, such as an accident or suicide attempt, then the claim may be rejected.

If the insurance claim is not as per the terms of the policy, then the company can also reject it.

Keep these things in mind while taking the policy.

Read the terms and conditions carefully while taking the insurance policy.

Get information about what is covered in the policy and what is not.

If you already have any disease, then disclose it as well.

Submit all the necessary documents while making a claim.

Follow the time limit for submitting the claim.

Renew before the policy expires.

If there is any confusion, then get information from the insurance agent.

What to do after the claim is rejected?

According to insurance regulator IRDAI, if you have paid premiums continuously for 60 months after taking health insurance, then the insurance company cannot reject your claim unless fraud is proved. If the claim is rejected due to incomplete information, correct it and submit it again. If there is any mistake on your part, contact the insurance company. If the company does not listen to you, then you can complain to the insurance regulator IRDAI.