Incomplete Information - Providing incomplete or inaccurate information on your claim form, such as missing details about the treatment received or not attaching required documents, can lead to claim rejection.

Pre-existing Conditions -  All health policies have defined waiting periods for pre-existing conditions and their related complications from 2 years to 4 years and claims related to these conditions during the waiting period will not be processed.

Waiting periods for Named Ailments - Retail Health Policies have compulsory 2 years waiting period for named ailments like gall bladder & kidney stones, knee replacement, urinary tract Infections, hernia, piles, fistula, fibroids, cataract, ulcers,ENT disorders..

Sub-Limits - Familiarize yourself with the policy Sub-limits on certain treatments as you will get claims as per the limit set like in Eye Cataract or Knee Cap replacement.

Sum Assure exhaust - Claims will be restricted to available Sum Assure including accumulated No claim Bonus. So avail policies with High Sum Assured and with in-built Riders of Restoration or Recharge cover where the Sum Assured is restored.

Policy Lapses - If your insurance policy lapses or is not renewed on time, any claims submitted during the period when the policy is inactive may be rejected. The policy allows a grace period of 30 days to renew without underwriting.

Experimental or Unproven Treatments - Claims for treatments that are considered experimental or not medically necessary can be denied like Magnet or Energy therapies.

Fraudulent Claims -  Any attempt to submit altered or fabricated documents or hiding past surgeries or medications undertaken or providing false information can lead to claim rejection and also result in legal consequences.