Top Reasons to reject Health Claim

 

Top Reasons to reject Health Claim

This article is all about the top most reasons to reject a health claim. So read it carefully before you apply for the health insurance. This is because in future your claim may also get rejected because of these commonest reasons.

1. Congenital Disorders -

Any Congenital disorders like Thalassemia, congenital heart disease, congenital anemia, cystic fibrosis and Down’s syndrome won’t be covered at all anytime during the entire tenure of the health insurance policy.

However, certain diseases like Hernia, Cataract & Sinusitis may cover after 2-3 years of policy.

2. Self-inflicted aliments -

During the time of filling the health insurance, one has to mention that weather he is taking alcohol or tobacco or not? If a person has not declared that he is taking alcohol and he admit in hospital for Cirrhosis than his claim will be definitely rejected. This is because Cirrhosis and alcohol has 100% association. “Insurance companies deny claims for treatment of cirrhosis in such cases under the exclusion self injury. But they pay for treatment of cancer even of smokers. The logic is that while, in nearly 100% cases, the cause of cirrhosis of liver is alcoholism, no such empirical relationship exists between cancer and smoking.

3. Other Diseases -

- Lung and Throat Cancer due to Tobacco
- HIV

The above are the certain diseases that are not covered by your health insurance. So keep in mind the above causes of rejection before applying for the health insurance.