Why health claims get rejected
Most rejections trace to non-disclosure at purchase, a waiting period not yet served, an exclusion in the policy, or a lapse in cover. Nearly all of it is preventable at the point of buying rather than at the point of claiming.
What it means
Most rejections trace to non-disclosure at purchase, a waiting period not yet served, an exclusion in the policy, or a lapse in cover.
Why it matters to a household
Nearly all of it is preventable at the point of buying rather than at the point of claiming.
Where it trips people up
Letting an agent fill the proposal form. Anything undisclosed — a condition, a habit, a previous claim — becomes grounds for rejection later.
In an Indian household
Disclose everything, including a condition you believe is minor. A policy issued with full disclosure is far harder to contest.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Why health claims get rejected
Most rejections trace to non-disclosure at purchase, a waiting period not yet served, an exclusion in the policy, or a lapse in cover.
Why does it matter?
Nearly all of it is preventable at the point of buying rather than at the point of claiming.
What do people usually get wrong?
Letting an agent fill the proposal form. Anything undisclosed — a condition, a habit, a previous claim — becomes grounds for rejection later.
Is there anything India-specific?
Disclose everything, including a condition you believe is minor. A policy issued with full disclosure is far harder to contest.