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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5. You Told Them Too Late
For planned hospitalisation, insurers usually want prior intimation, often 48 to 72 hours ahead. For emergencies, within 24 hours of admission. Miss these and even a valid claim can be rejected on a technicality.
Avoid it: Save your insurer's claim helpline in your phone now, and call it the moment you're admitted.
6. Non-Medical Items Were Billed In
Gloves, syringes, administrative charges, food — a chunk of every hospital bill is "non-medical" and simply not payable. People assume the whole bill is covered, then feel cheated when it isn't.
Avoid it: Expect to pay a little out of pocket. It's normal, not a rejection.
