Health Insurance acts like a saviour, offering essential financial protection during medical emergencies. With Health Insurance, you and your loved ones can rest assured knowing that unexpected healthcare costs are taken care of, ensuring your well-being is prioritised. When a person encounters a situation where they cannot access this vital coverage, it might create significant financial strain along with feelings of worry and insecurity.
Here are specific issues that people may encounter while claiming health insurance:
- Incomplete Documentation: Many policyholders submit incomplete documents, leading to claim rejection or delays.
- Pre-Existing Conditions: Some policyholders may not disclose pre-existing conditions when purchasing the policy, leading to claim disputes.
- Waiting Periods: People might not be aware of waiting periods for specific treatments, leading to claim rejection if made before the waiting period ends.
- Claim Denials: Insurance companies may deny claims for various reasons, such as incomplete information, lack of coverage for a particular service or treatment, or if the treatment is deemed medically unnecessary.
- Policy Exclusions: Insurance policies often have exclusions for certain treatments, procedures, or conditions. If a claim falls under one of these exclusions, it may not be covered by the insurance.