Star Health Claim Rejection: These 10 big mistakes are the reasons behind insurance claim rejection, keep these in mind while taking the policy.

Mistakes to avoid for Insurance Claim: In today’s time, taking health insurance is not only about saving the money spent on illness but also about making yourself financially strong. In view of the rising medical expenses, expensive hospitals and cost of treatment of serious diseases, most people prefer to buy health insurance. However, in today’s time, having a medical policy is actually a great necessity because sometimes the treatment is so expensive that the patient has to even sell his property to pay the hospital bill. But, many times it is seen that when necessary, the insurance company rejects the claim instead of accepting it. In this situation the policyholder has to suffer huge losses.

In the last few days, we have seen many such cases in which patients’ claims were rejected by Star Health Insurance. But, have you ever wondered why the insurance claim is rejected by the company? Let us tell you about some such mistakes, which show why the insurance claim is rejected.

1. Giving wrong information while taking the policy

It is very important to provide correct health related information while purchasing a health insurance policy. If a person hides his chronic illness, surgery or any other type of health condition and makes a claim later, the insurance company may reject the claim. For this, you should always enter all the medical history and health related information correctly so that if needed, a claim can be taken easily.

2. Hiding pre-existing disease

Many people do not disclose pre-existing diseases to keep insurance premiums low. But, if this information comes to light during claim investigation, the claim may be rejected by the insurance company. Many people are afraid to disclose diseases like diabetes, high blood pressure, asthma or thyroid because they feel that this may increase their premium. However, if the insurance company later finds that there was a disease that was not disclosed before purchasing the policy, it may reject the claim.

3. Treatments not covered in the policy

In every health insurance policy, there are some diseases or health problems which are not covered by the company. Generally, the cost of hospital treatment due to illness or accident is covered, but some types of treatment are not covered. Cosmetic procedures, fertility treatments, experimental therapies and some dental treatments are often not included. Therefore, in such a situation the claim is not available.

4. Not having necessary documents

Generally, insurance companies require hospital records, discharge summary, prescription, diagnostic report, bills and completed claim forms. Even small mistakes like wrong date, different names or missing signature can cause problems during claim verification. Therefore, you should keep all the documents together during treatment.

5. Mistakes in proposal form

Many times the claim gets rejected even if there is wrong information in the proposal form like wrong age, mistake in spelling of name, wrong information related to lifestyle etc. At the time of payment the agents check all the documents and any discrepancy may raise questions on the policy. Therefore, before signing the proposal form, you should read all aspects of the document carefully.

6. Bill exceeding policy limit

If your claim amount or hospital bill exceeds the policy limit, it is possible that your claim may be rejected. Many policyholders think that their insurance company will pay the entire hospital bill. Actually, every health insurance policy has a maximum amount of coverage, which is known as Sum Insured. You cannot get more than your sum insured amount.

7. Time to file claim

In case of health insurance claim, it is very important to take action at the right time. Generally, insurance companies expect policyholders to inform them about the reimbursement claim within the stipulated time and submit the required documents. If the deadline is missed, there is a risk that the claim may not be approved. Therefore, it is important to keep in mind the timing of the claim.

8. Claim is not available on lapsed policy

Health insurance policies work only if the premium is paid on time. For this, it is important for you to keep paying your premium regularly. If you miss the renewal date, the policy may lapse. If any kind of physical problem occurs after this, then the claim is not given by the company. This means that the insurance company is not obliged to pay the claim.

Also read: Not only patients but also doctors are troubled with the service of Star Health Insurance, claim rejection becomes a major reason.

9. Claim will not be approved due to fraud

Many times some people want to take claim by fraud or by giving wrong information, which is wrong. Fake bills, overcharging for treatment or incorrect information can lead to immediate rejection of the claim. Insurance companies can also cancel the policies of fraudsters and take them to court. Therefore you should avoid making this kind of mistake.

10. Not reading the policy carefully

Not reading the policy carefully is a big mistake, which is often done by customers. The purpose of health insurance is to protect families from unexpected medical expenses, but the policy is useful only if its terms and conditions are understood and accepted. Many times you do not read the policy carefully and mistakenly consider the sum insured to be a higher amount. In such a situation the claim may be rejected by the company.

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