Four common reasons why health insurance claims get rejected and what you need to do to ensure that you don't make the common mistakes made by policyholders.

Edited highlights
0:44 We discuss the typical reasons why health insurance claims get rejected

1:10 A lot of times health insurance claims get rejected because of things that policyholders do

1:36 Why do medical insurance claims get rejected?

1:57 Most of the time people don't read the fine print of the policy

2:01 People are not aware of health insurance policy conditions

2:09 People invoke the health insurance policy when it is not due to them

2:20 A claim made for a pre-existing disease in the first year will rejected since policies typically don't cover them

2:33 Typically, pre-existing diseases are excluded from the scope of the policy in the first three years

2:54 There are certain treatments that are beyond health insurance policies such as cosmetic and dental treatments

3:07 These diseases are excluded and are not part of the coverage

3:37 Sometimes outpatient department or OPD costs are claimed

3:42 This is again excluded under the policy

3:57 Incomplete documentation is also another major reason for claim rejection

4:05 Typically this is about forgetting to get the discharge summary and the claim history, among other things

4:17 If documents are incomplete, you can't get them later from the hospitals

4:29 You need to know about the benefits of your health insurance policy i.e what it covers and what it doesn't