Precaution on rejection of claim by health insurance company

Yugocean

Valued Contributor
The infection of Covid-19 virus has started increasing rapidly once again. Therefore, new guidelines are being given by the health authorities to prevent shortage of beds in the hospitals.

On the contrary, to extort money, doctors recommend most people to be admitted to the hospital. However, Insurance companies are also rejecting insurance claims. This is becoming a problem for people as there are more health issues during the pandemic. In such a situation, the insured should be careful.

Only Possible excuse of rejecting claim:- Insurance companies cannot reject the claim on their own decision, but only on the basis of the guidelines issued by the recognized authority which .

Precaution
The insurance holder should find out on what grounds they can get their treatment in the hospital and on which they should stay at home.

For example, it has been instructed by almost all governments that people should take treatment of Covid-19 at home, unless the oxygen level is low. So, do not get admitted to the hospital on the basis of mild symptoms, this will give companies an excuse of rejection.

Against invalid rejection
If the insurance company rejects the claim of hospitalization on any invalid reason, or insurance holder has valid reason for hospital treatment, then people can take their complaint to the grievance cell, ombudsman office or court. There should be proof that the insurance holder had got treatment in the hospital according to the valid health guidelines.

Cautious
If the company proves that your health condition was not that bad to require hospital treatment, then the claim would be rejected.
 
D

Deleted member 28127

Guest
Most of the claims of health insurance could be false to get insurance for nothing that doesn't happen suddenly but prepared as I prepare with you to make car incident and get insurance while it was prepared from before and not true.
 
Top