Safeguarding Your Health: Four Tips To Avoid Health Insurance Claim Rejection

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In the pandemic era, health insurance is one of the most important protections you have for yourself and your family. Health insurance provides financial assistance to policyholders by covering costs incurred during consultations, hospitalization and surgical and non-surgical procedures. On the other hand, health insurance claims can be rejected by the insurer, which can cause confusion, hurt, and bitterness. This can be avoided by considering four factors when buying a health insurance policy.

Get a comprehensive policy

Insurance is all about reducing risk and ensuring the well-being of policyholders and their loved ones. In the event of a health emergency, all everyone wants to think about is how they are going to pay their medical bills. To better prepare yourself for such situations, it is recommended that you get a plan that offers comprehensive protection. This means insuring at least INR 3 lakh or more if you live in a metropolis where medical bills are higher than a tier II or III city.

Choose a hospital without money

If you or a family member is having a medical procedure that takes a long time to plan ahead, choose a cash-free benefit that exists in your insurance company's network. Prices at these institutions are negotiated in advance and can therefore be pre-agreed by insurance companies. If the procedure is urgent and you cannot plan ahead, be careful which hospital room you choose, as this can have a large impact on the cost of the procedure. When entering the hospital, collect as much information as possible about the cost of renting a room in your insurance policy. You can always contact your insurance partner in case of any confusion.

Express your complaint with care

Small errors in the application submission documents more often lead to rejection of the application. About 60 percent of rejections are the result of people submitting documents that are incorrect, incomplete or incomplete. Check all the information you filled in when submitting the medical application and don't forget to attach all the required documents.

Find allies in your health benefits partner

If you go to a good insurance broker or agent, they can change your refund decision.

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