Health Insurance Claim Shocks: Avoid These Common Mistakes

• Room rent limits and proportionate deductions can drastically reduce payouts, even with a large sum insured.
• Waiting periods for common treatments, not just pre-existing conditions, often lead to unexpected claim rejections.
• Minor non-disclosures from the past, like forgotten diagnoses, can be fatal for claims upon insurer scrutiny.
• Over-reliance on employer insurance is risky; individual policies restart waiting periods and underwriting.
• Cashless facility is not guaranteed, depending on network, pre-authorization, and documentation, potentially requiring upfront payment.

Why It Matters: Thoroughly understand your health insurance policy's fine print to avoid unexpected claim rejections.