While most health insurance plans are also now providing the convenience of cashless medical insurance, there are times when the claim may be rejected. There are certain things that one should avoid doing to prevent that from happening. Misrepresentation of facts is a major aspect. Before the payment of the hospital treatment, the insurance company would take some time in verifying the documents and if the facts are distorted in any way, then the claim is rejected right away.
When you buy cashless health insurance, make sure all the facts have been accurately posted. Some often go about the wrong way while making the claim procedure. And incorrect filling up of forms may affect it. The exact process of claim settlement might differ from insurer to insurer and it is important to find out about it beforehand. There are also always some permanent exclusion with every health insurance and asking for a claim for them will lead to a rejection right away. So be sure to check the list before making a claim.
Apart from injuries inflicted from accidents, any claim made within the first thirty days of getting the health insurance is not accepted. In case of pre- existing illness, the waiting period has to end before the claim can be made due to hospitalization for any of them. For example, ailments like hernia are covered under health insurance but only after two years of getting the insurance. There could also be certain other nuances that might vary from insurance company to company and finding out about them before getting the insurance will also prepare you to understand which company has the easiest claim process.
Read Also: Facts about Cashless Health Insurance Policy
