How to ensure your insurance claims aren’t rejected or delayed? Key tips

People buy insurance to feel safe, not stressed, yet when claims get stuck, that safety net can suddenly feel like a trap, costing time, money, and peace of mind. Despite spending a significant portion of income on insurance to secure families’ futures, it’s disheartening when claims are delayed or rejected.

If you also have an insurance policy, here are some things you should do to ensure that your claim goes through:

Key tips to ensure your claim gets approved

Check limits and deductibles to know the maximum amount you can claim. This will help you get a fair estimate of what you’ll have to pay from your pocket, so you can prepare for emergencies adequately.

When taking the policy, you must give truthful and accurate information about your medical history and other things. If you give false information, your claims may be rejected.

Make sure that your policy is active, as even a single day’s lapse can lead to rejections. Take policy renewals very carefully. Be proactive and follow up regularly to know the status of your claim.

If your claim is rejected, ask for a written reason and appeal to the insurer’s grievance cell. You can also file a complaint with the Insurance Ombudsman if your issue remains unresolved.

Financial safeguards, like insurance policies, come into play during traumatic events, but what’s worse is when we have to use our time and energy on getting something done that we’ve been paying for, for years, and still face disappointment at times.

To avoid rejection in crucial situations, take preventative measures before filing for a claim and during the process to communicate effectively and get your claim processed smoothly.