Health Insurance Claim Rejected? The Real Reasons It Happens
Most health insurance claim rejections in India are avoidable. Here are the 7 common reasons claims get rejected, and exactly how to claim-proof yourself.
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3. The Room Rent Trap
This one quietly eats lakhs. Many policies cap room rent — say 1% of the sum insured per day. Pick a room above that limit and here's the cruel part: the insurer can proportionately cut your entire bill, not just the room charge, because the whole treatment gets treated as a "higher category".
Avoid it: Check your room rent limit and stay within it, or buy a policy with no room rent capping.
4. It Was in the Exclusions All Along
Cosmetic procedures, certain treatments, some day-care procedures, injuries from adventure activities — every policy has an exclusions list, and claims for these bounce every time.
Avoid it: Read the exclusions once, calmly, the day you buy — not at the hospital.