Keep these things in mind before purchasing health insurance, or your claim may be rejected.

Health Insurance Tips: If you don't check these things carefully when purchasing health insurance, your claim could be stalled. Therefore, pay special attention to these things.

Health Insurance Tips: In today's times, having health insurance has become a necessity for almost every family. Hospital expenses are rising rapidly, and a major illness can wipe out years of savings. In such a situation, choosing the right policy is wise. But simply purchasing a policy is not enough. Many people hastily purchase plans without understanding the terms and conditions, and when it comes time to claim, problems arise.

The real game lies in the small conditions and declarations. A little caution in the beginning can significantly reduce the risk of claim rejection later. Therefore, it is very important to clearly understand every important detail before purchasing a policy. Otherwise, you may face the problem of claim rejection later.

Understand the policy terms and waiting period

Every health plan has certain rules and limits. For example, a waiting period may apply to pre-existing illnesses, meaning expenses related to that illness won't be covered for a few years. Sometimes, there are limits on specific treatments, daycare procedures, or room rent. Failure to carefully read these terms could result in deductions or rejections at the time of claim.

Carefully review the exclusion list in the policy document. Be sure to understand which illnesses are not covered and which conditions will disqualify you from claiming. If necessary, obtain written information from a company representative to avoid any problems later.

Always Provide Correct Information

Hiddening your medical history when purchasing a policy can be a major mistake. If you fail to disclose a pre-existing illness, surgery, or serious condition and the company later discovers it, your claim could be rejected. Answer every question honestly when filling out the application form.

Also, keep all hospital bills, discharge summaries, and doctor's reports. Whether it's a cashless facility or reimbursement, documentation must be complete and accurate. Accurate information and complete transparency ensure that your claim is processed without a hitch when needed.