Disclose lifestyle, health conditions to avoid denial of insurance claim

Know your policy: Understand its exclusions, sub-limits, and waiting periods

A Bengaluru-based District Consumer Disputes Redressal Commission recently ruled that alcohol consumption cannot be a ground for rejecting a health insurance claim.

Increasingly, policyholders are taking insurance companies to consumer courts. According to a media report, there were over 161,000  insurance-related cases pending in consumer courts in 2022.

Chief causes of claim rejection

Policyholders must be aware of the most common reasons for claim rejection and avoid making those mistakes. Experts say the chief reason is customers providing incorrect information. Naval Goel, chief executive officer and founder, PolicyX.com, says :“This includes not disclosing your lifestyle habits, smoking and drinking patterns,