Claim Reject Hone Se Kaise Bache?

Insurance policy financial protection deti hai, lekin kai baar claim reject ho jata hai. Agar aap sahi steps follow karein to claim approval aasaan ho sakta hai.

1. Policy Lete Waqt Sahi Information Dein

Policy form bharte waqt bimari, smoking habit aur age ki sahi information dena bahut zaroori hai.

2. Waiting Period Samjhein

Health insurance me kuch diseases par waiting period hota hai. Waiting period ke pehle claim reject ho sakta hai.

3. Premium Time Par Pay Karein

Policy lapse hone par insurance company claim accept nahi karti.

4. Documents Complete Rakhein

• Hospital bills
• Discharge summary
• Doctor prescription
• FIR (accident case)
• Policy copy

5. Claim Intimation Time Par Karein

Hospital admission ke 24–48 hours ke andar company ko inform karna zaroori hota hai.

6. Policy Exclusions Samjhein

Cosmetic surgery, drug abuse aur adventure sports injury jaise cases me claim reject ho sakta hai.

7. Network Hospital Ka Use Karein

Network hospital me treatment lene se cashless facility milti hai aur claim process easy ho jata hai.

Conclusion

Sahi information aur policy rules follow karne se insurance claim easily approve ho sakta hai.