Reasons why health insurance claims might be denied
Even if you pay your health insurance premiums regularly, your claim isn't automatically guaranteed. Payouts are strictly based on the specific conditions and exclusions outlined in your policy. Insurers might turn down a claim if you failed to disclose a pre-existing medical condition, if the mandatory waiting period hasn't passed, or if the procedure is listed as an exclusion. Additionally, a claim can be refused if the insurance company decides that the medical treatment provided was not essential.
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