Avoid These Common Mistakes to Ensure Smooth Health Insurance Claims

• Underinsuring can lead to insufficient coverage when medical bills are high, especially with age and medical inflation.
• Ignoring waiting periods and exclusions for pre-existing conditions or specific surgeries can result in claim denial.
• Opting for low-premium plans might seem beneficial but often comes with hidden clauses like room rent limits or co-pay, leading to deductions.
• Incorrectly disclosing medical history can lead to claim scrutiny or denial as insurers evaluate risks based on incomplete information.
• Delaying intimation to the insurer and incomplete paperwork before hospitalization can cause disputes and settlement issues.

Why It Matters: Avoid common errors like underinsuring, ignoring clauses, and incorrect disclosures for hassle-free health insurance claims.