Health insurance lene ke baad log sochte hain ki hospital ka bill insurance company de degi. Lekin jab claim reject hota hai, tab real shock lagta hai. Aaj hum clearly samjhenge health insurance claim reject kyun hota hai aur isse kaise avoid karein.
1. Pre-Existing Disease Disclosure
Sabse common reason:
- Disease batayi nahi
- Form galat bhara
2. Waiting Period Issue
Initial years mein:
- Kuch diseases cover nahi hoti
3. Policy Terms Na Padhna
Room rent limit, sub-limits ignore karna — bada reason.
Example
Manoj ne policy padhe bina assume kar liya. Claim reject ho gaya.
5. Claim Reject Hone Se Kaise Bache
- Policy documents padho
- Network hospital use karo
- Documents complete rakho
Conclusion
Health insurance lene se zyada important hai policy samajhna. Agar aap jaanna chahte ho health insurance claim reject kyun hota hai, toh jawab ek hi hai — awareness ki kami. Thoda dhyaan rakho, claims smooth rahenge.