Mediclaim Policy For Family: You take a Mediclaim policy to meet the medical needs of the family and if you do not get the benefit in bad times, there is no point, so know the reasons for claim rejection.
Mediclaim Policy For Family: Due to changing lifestyle and expensive health facilities, Mediclaim has now become a necessity for every person. This helps not only you but the entire family in dealing with expensive treatment of diseases. However, many times people make such small mistakes, which prove costly in the future.
Due to this, you do not get any benefit from the policy in difficult times and your claim gets rejected. Let us understand how you can take full advantage of the claim by making your health insurance policy full proof.
Read the policy terms carefully
There are some special reasons for rejection of health insurance claim. The biggest reason for this is not reading the terms and conditions of the policy carefully while taking it. The biggest reason among these is to hide one’s illness. If you inform about your illness in advance, not only will you get a better policy but you will also not face any problem at the time of claim. Sometimes the insurance company may also reject your policy.
Which diseases are not covered
Many diseases are not immediately covered under mediclaim. For these you will have to wait for 1 to 4 years. In the initial years, you cannot take claims for the treatment of these diseases. Apart from this, kidney, Parkinson’s, Alzheimer’s and HIV are not included in mediclaim. Therefore, take the policy thoughtfully.
Keep treatment documents safe
If you did not submit complete documents at the time of taking the policy, you may face problems at the time of claim. Also, always keep the original copies of all the bills received during treatment safe. These can be asked from you at any time. If you attach hospital bills, discharge papers and patient records during the claim, then no one will be able to reject your claim.
Never make a fraud claim
Never make a fraud claim. These are easily caught in the digital world. If it is not possible to get a claim, your policy may definitely be rejected. The hospital can also be removed from the blacklist or panel for making fake bills in collaboration with the hospital.
The company gives reasons in writing
While rejecting the claim, the insurance company has to give reasons in writing. If you do not want the claim to be rejected then just pay attention to these things. Read all the conditions carefully while getting insurance. Many times agents hide some things from you. Going forward, the same condition becomes the reason for claim rejection. Try to ensure that the facility of cashless treatment is included in your policy. If you have any doubt, please talk to customer care.
