INCOME TAX8 Sept 2026
Health insurance claim rejected despite paying premiums? 6 reasons policyholders should know before filing a claim | Mint
An active health policy doesn’t guarantee every claim gets paid. Insurers reject claims for many reasons: non-disclosure or wrong disclosure of your medical history, treatment during waiting periods, and specific exclusions like cosmetic or experimental procedures. Routine OPD visits may also be excluded unless your policy covers them. So read your terms, disclose history honestly, and know your waiting periods before claiming.
Key Statutory Highlights
- Non-disclosure or incorrect disclosure of medical history is a key reason claims are disputed.
- Waiting periods apply to pre-existing diseases and specified illnesses — claims during that time can be declined.
- Exclusions like cosmetic or experimental treatments and OPD costs may not be covered unless your policy includes them.
Actionable Advice for Taxpayers / Founders:Before buying or filing a claim, read your policy carefully, disclose all medical history accurately, and check waiting periods and exclusions — ask your insurer or advisor if anything is unclear.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
Share: