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What to Do if Health Insurance Claim Is Denied?

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    What to Do if Health Insurance Claim Is Denied

    In the face of unexpected medical expenses, health insurance is a beacon of hope, offering financial protection and peace of mind. However, when an insurance claim is denied, it can feel like a devastating blow, leaving you bewildered, frustrated, and facing a significant financial burden.

    You’re not alone if you’ve found yourself on the receiving end of a claim denial. Insurance claim denials are a common occurrence, affecting many policyholders each year. 

    If you find yourself in a situation where your health insurance claim is rejected, help is available. Don’t worry. In this article, we will help you understand why your health insurance claim was rejected and how to overcome this. We hope that by reading this article, you will gain more knowledge about insurance policies, learn about your rights and how to advocate for yourself to receive the coverage you deserve.

    Ketto Healthfirst

    Claim Rejection Circumstances:

    Have you ever wondered why your health insurance claim got rejected? Let’s take a closer look at the common reasons for claim denials. But first, we must understand what to do if insurance claim is rejected.

    When faced with a denied claim or coverage termination by your health insurer, you can challenge their decision and seek an impartial review. Request reconsideration from your insurance company, as they must clearly explain their decision and guide you through the dispute process. By understanding the “why” and exercising your right to appeal, you empower yourself to make informed choices, ensuring fairness and clarity in insurance decisions.

    How To Deal With A Health Insurance Claim Rejection?

    Well, there are two approaches to address a rejected health insurance claim:

    Internal Appeal: In case of a denied claim or the abrupt termination of your health insurance coverage, you have the option to file an internal appeal. This grants you the right to petition your insurance company for a thorough reevaluation. If your situation is time-sensitive, the insurance company must resolve your claim as quickly as possible.

    External Review: With the external review option, you can elevate your appeal to an unbiased third party. This external review marks a crucial shift where the insurance company gives up its control and authority. Before, your health insurer had the final say on whether or not to pay your claims. But now, an independent entity will make the final decision, which means you have a better chance of getting the coverage you deserve. This means that the review will be done by someone not connected to the insurance company and will not be influenced by their decisions.

    Now let’s discuss why health insurance claim is rejected:

    Being unaware of the exclusions: It’s essential to read the fine print carefully before you rely on your insurance policy. There are often exclusions that can lead to denied claims or other surprises. For example, injuries from being intoxicated or dangerous activities may not be covered. Additionally, there is a 30-day waiting period before claiming unless it is for an accident.

     However, if the accident happened while you were intoxicated, the waiting period exemption doesn’t apply. So, take the time to understand your policy exclusions before making a claim.

    Pre-existing Illness: Health insurance is a valuable safety net, but it’s essential to understand the terms and conditions to avoid surprises. Some plans don’t cover pre-existing conditions like high blood pressure. Hiding this information can lead to denied claims.

    Insurance companies exclude pre-existing conditions to keep the system fair. They don’t want people to get insurance before being hospitalised for a pre-existing condition. This would be unfair to other policyholders.

    So, when getting insurance, be honest about your health conditions. This might seem scary, but ensuring your insurance will be there for you when needed is necessary. Understanding these details can make your insurance experience smoother and more empowering.

    Insurance Pitfalls: Overlooking insurance renewal can have serious consequences. If you get sick or injured, this can be a big problem, as you’ll be responsible for paying your medical bills. To avoid this, make sure to renew your insurance before the deadline. This is usually a few weeks before your policy expires. You can renew your insurance online, by phone, or by mail.

    Renewing your insurance is a simple task that can save you much money in the long run. Remember to prioritise timely insurance renewal to safeguard your health and finances.

    Not informing the insurer on time: It’s important to tell your insurance company immediately after a severe accident. Most health insurance plans require you to report a hospitalisation within 24 to 48 hours. Choose an insurance company that is available 24/7 so you can get help immediately. You should also name someone to talk to your insurance company and handle the paperwork if you need help. Proactive preparation and a responsive insurance partner can significantly alleviate the stress associated with an unexpected injury.

    How Can You Reapply For a Health Insurance Claim?

    Now that you’ve gained an understanding of the common reasons for claim rejection let’s explore the strategies for successful reapplication.

    Review your rejection letter: Thoroughly review your rejection letter to identify the exact reasons for the denial. Understanding the specific grounds for rejection is crucial for crafting a successful reapplication.

    Review and Revise: Carefully collect all necessary documents and supporting information in accordance with the specific grounds for rejection. Prior to resubmitting your claim, Make sure to verify the completeness and accuracy of all documentation.

    Communicate, Don’t Procrastinate: Contact your insurance provider to discuss the rejection. Seek clarification and guidance on rectifying the issue to improve the chances of a successful reapplication.

    Rectify Errors: If the rejection is due to errors or omissions, correct them promptly. Pay attention to details and ensure all information aligns with your policy terms.

    Seek Professional Assistance: If you encounter persistent claim denials, consider seeking guidance from qualified professionals. Insurance brokers or legal assistants possess specialised knowledge and expertise in navigating the complexities of health insurance claims. Their expertise can be invaluable in advocating for your rightful coverage and resolving challenging situations.


    Q1. What to do if health insurance claim is denied?

    • Review the Explanation of Benefits (EOB)
    • Understand the reason for the denial
    • Gather supporting documentation
    • File an appeal
    • Request an external review

    Q2. Is there a time limit for appealing a health insurance claim rejection?

    Check your policy for the specific appeals timeframe, and submit your appeal within that window.

    Q3. How should you deal with a health insurance claim rejection?

    To address a health insurance claim denial:

    1. Start by understanding it through the Explanation of Benefits (EOB).
    2. Review your policy to confirm coverage and gather medical records and invoices for evidence.
    3. Contact your insurance’s customer service to initiate the appeal, ensuring to inquire about procedures and deadlines.
    4. Craft a compelling appeal using these steps for a smoother process.

    Q4. Should I contact my healthcare provider about the rejected claim?

    Discuss the denial with your healthcare provider to understand their perspective and obtain the necessary documentation.

    Q5. Can I seek assistance from my state’s insurance department in case of a claim rejection?

    Absolutely. State insurance departments can provide guidance and assistance. They may also help mediate disputes between you and your insurer.

    Q6. What to do if health insurance claim is denied in India?

    The Explanation of Benefits (EOB) outlines the reasons for your claim denial and provides instructions for initiating an appeal. If you disagree with the denial, gather supporting documents and submit a written appeal to your insurance. The process varies but typically involves documentation submission. If unsatisfied, request an external review—an independent assessment of your claim by a third party.


    Dealing with the healthcare system can be difficult, especially when your health insurance claim is denied. The disappointment, frustration, and even anger associated with such rejections are understandable and can leave individuals feeling overwhelmed and uncertain of their next steps. However, it is essential to approach these setbacks with a calm and determined mindset, recognising them as opportunities for growth and resilience.

    You may wonder, ‘How do I deal with a rejected insurance claim?’ claim rejections should be viewed as hurdles, not roadblocks. The key lies in learning from the experience, adapting your approach, and prioritising your health and well-being.

    Facing a rejected claim can be disheartening and frustrating for individuals and families seeking timely and adequate medical care. Nevertheless, it is crucial to remember that a claim rejection does not signify the end of the process. Instead, it presents an opportunity to gain valuable insights, refine your approach, and ultimately secure the healthcare coverage you deserve.

    Whenever someone you love falls ill, you want to ensure they receive the best care. Ketto, a crowdfunding platform dedicated to making healthcare affordable and accessible for over a decade, understands these concerns. Understanding how healthcare emergencies can drain one financially as well as emotionally, Ketto has introduced HealthFirst, a health plan that helps you and your family save money on medical expenses.

    It stands out as a comprehensive healthcare plan that extends beyond basic coverage to encompass a number of benefits tailored to address your healthcare needs. It includes complimentary consultations with medical professionals conducted both in-person and virtually, daily hospital cash, substantial surgery care benefits valued at ₹10,000, and substantial discounts on laboratory tests and medications. HealthFirst ensures that you can get through health challenges without the added burden of financial concerns.

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