Shocking Reason Why Health Insurance Claims Get Rejected #shorts

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There is nothing worse than getting your health insurance claim rejected just because you forgot to mention a pre-existing condition. You would be kicking yourself over it for the rest of your life.

Disclosing these important details is crucial because it directly impacts the premium calculation. But what if you never knew you have these ailments in the first place?

In that case, it's always a good idea to get a full body check up before getting your health insurance to rule out all possibilities. This full body check up certificate will also stand as proof in the future in case of any disagreements with the insurance company.

#financewithsharan #finance #sharan

[GM-rdex]

Health Insurance Companies are cunning than Sakuni Mama

[mayurnaravani]

This is very true, while taking a health insurance, make sure that you know you ask for a health check up done by their team so that they won’t be able to say we have not disclosed anything.

[gauravvvvvvvvvvvvvv]

Same thing happened with father and worst part of this that they didn't return original documents of medicals.

[saurabh]

Expectation: 1 crore insurance cover at ₹500/month

Reality: After paying lakhs of rupees over the years, they say insurance won't cover you

[Dex]

It is a mistake by a company if they didn't ask for it.
Their policy is on an admission basis not on an OPD basis.
if you know later about health problems after purchasing the policy it is okay..
you can inform your agent or company and it's their duty to note, if they failed by saying it's OPD and so it's their problem.
If they still fail to pass your claim you can sue them easily and chances are high to win the case and earn as much as you demanded..

I did it.. they have no choices left but to pass the claim, it took them 2 days to even understand my say on their clauses..

[ytcontroversy]

This same nonsense is happening with my mom, she had cancer back in 2012 and now it has reoccurred. She was perfectly fine. Going for work etc when she was in remission. The stress that the insurance company gave us when she got it again was crazy.

[kaviyarasus]

This is what the
Principles of Insurance says

Good faith
On insurer and
Insured

[DimZelenskey]

This happened to me today, when my father was in ICU

[koustubhashtekar]

Same they did to my mother, during her US visit... Did not cover hospitalization for diabetis related care.... Fortunately, US state and hospital helped us.
The hell with Indian insurance companies!
US insurance is expensive but they dont play this game with you.. Indian insurance Cos are sheer crony companies.

[mishrajii]

I believe there is a rule where it says an insurance company is not supposed to deny a claim once period of policy exceeds 8 years without a late payment done by the person.I forgot the name, but we can complain about it with that Indian regulator and it will slap the insurance company to pay or else get their license in trouble

[MOHAMMED-giuh]

Insurance is a big scam in India
Not only health but even vehicle policy also, if you had accident by chance they will check ur vehicle condition, driving speed limit, helmet even if all of them are perfect they will reject it by a very silly reason telling it is not in our hands

[arnikjain]

Can't we sue them on the basis of undue influence to insurance Co. As per Indian contracts act 1872

[randhawaeknoor]

Bro please make a video about why, when and how to pay taxes

[Ronaldosiuuu]

The thing is insurance company should do all these basic formalities like health checkup and all before issuing the policy. Unfortunately many of them are only worried about their monthly targets...

[Z]

Insurance is based on utmost good faith.

[kurienthomas]

Isn’t it a requirement from the insurance company to undergo health checkup?

[pmrtechpark]

please do a video to choose good policy and majorly prerequisites to purchase health insurance not to reject 🙏🏻

[onlyanand]

depending on the company health tests are mandatory for people above 40 years of age, if you are below that you don't need to, and in that case insurance company can't reject your claim unless they can prove you lied to them regarding your pre-existing condition. So the scenario here even if the claim is rejected you can challenge it in consumer forum and easily win your case, the key here is insurance company has to prove you have intentionally not disclosed and if you are really not aware of your pre-existing condition and not using any medicine you are safe. So Sharan here us technically wrong, as a former employee in health insurance we get these cases very often and except for very rare scenarios claim won't get rejected. And BTW and don't think any company gives health insurance for 20 lacs without medical tests, if they do better to avoid such policy. And yes the medical tests are done by the company affiliates and don't need to pay

[MrBest_Videos]

Bp & cholesterol are covered under health insurance.

[aaryan]

I got my insurance from Bajaj and they did a full body checkup before issuing the policy, ig I should be fine lol