Claim Rejection

Failure to disclose relevant information at the time of policy purchase, or providing false or misleading information, can result in claim denial. This includes hiding pre-existing conditions or exaggerating the extent of a loss.

Every insurance policy has specific exclusions that are not covered. If the claim falls under these exclusions, such as certain types of damage or specific events, the claim will be rejected.

If the policy has expired due to non-payment of premiums or was not active at the time of the event leading to the claim, the insurance company will deny the claim.

Insurance policies often have specific time frames within which a claim must be filed. If a claim is submitted outside of this period, it may be rejected.

Insufficient evidence to support the claim, such as missing police reports, medical records, or receipts, can result in rejection.

Claims related to conditions that existed before the policy was purchased and were not disclosed during the application process are typically not covered and will be denied.

Breaching any terms and conditions outlined in the policy, such as not following prescribed procedures for making a claim, can lead to rejection.

If the insurance company suspects that the claim is fraudulent or exaggerated, they will deny the claim.

If the amount claimed exceeds the coverage limit specified in the policy, the insurance company will not pay the excess amount.

Some insurance policies have waiting periods for certain types of coverage. Claims made within these waiting periods are often rejected.

Failing to meet specific policy requirements, such as regular health check-ups for health insurance or prescribed preventive measures, can result in claim denial.