Expert Assistance -

Why Insurance Claims Get Rejected (And How to Avoid It)

According to IRDAI data, nearly half of all insurance claims face initial rejection due to avoidable errors. The most common reasons include:

Reason for Rejection	Frequency	How to Prevent
Incomplete Documentation	32%	Use our comprehensive checklist
Non-Disclosure of Existing Conditions	28%	Be transparent during application
Policy Lapses	15%	Set up automatic renewals
Claiming After Deadline	12%	File immediately after incident
Treatment from Unregistered Providers	8%	Verify hospital network status
Other Reasons	5%	Seek expert guidance

Important: 68% of rejected claims get approved upon appeal with proper documentation and guidance. Don’t give up if your claim is initially rejected.

Step-by-Step Claim Process Guide

Health Insurance Claims

Immediate Intimation: Notify insurer within 24 hours of hospitalization
Document Collection: Gather all medical records, bills, and forms
Pre-Authorization: Submit for cashless approval at network hospitals
Follow-up: Track your claim status regularly
Discharge: Complete paperwork before leaving hospital
Settlement: Receive payment or confirmation of direct settlement

Pro Tip: Always keep photocopies of all documents submitted and note down your claim reference number for follow-ups.

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Includes documents required for health, motor, and home insurance claims

Bank-Specific Claim Portals & Resources

Direct links to claim initiation pages for major insurance providers in India:

HDFC Ergo Claim Portal

ICICI Lombard Claims

SBI General Insurance

Bajaj Allianz Claims

Star Health Claim Process

IFFCO Tokio Claims

When to Seek Professional Claim Assistance

While many claims can be managed independently, consider expert help in these situations:

Your claim has been rejected unfairly
The settlement amount seems significantly lower than expected
You’re dealing with a critical illness claim
The claim process has been ongoing for over 45 days
You’re uncomfortable dealing with documentation and follow-ups
You have a complex case with multiple policies

Did You Know? Policyholders who use professional claim assistance receive on average 27% higher settlements and resolve claims 40% faster than those who don’t.

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