With so many conditions and procedures, the claim rejection often happens to the customer. Everything is stated in the agreement between the insurance and the buyer. To prevent this from happening, you should know the cause of your insurance claim being denied in several ways so that your insurance claim is accepted. Some things you can do from how to submit them and some ways to avoid being rejected can be seen below. Let's see how insurance claims are not denied.

1. Claim While Waiting

This policy is owned by every insurance company. Usually, the insurance waiting period is 30 days to 60 days from the policy's approval. So, you cannot claim insurance before the waiting period. Your policy may be approved, but with the process that tends to require time, even if approved, you can not directly make the claim. Make sure you submit it quickly.

2. Submitting Claims on Time

Before submitting documents, what you definitely do is contact the insurance.

What you need to consider is that each insurance has a certain deadline that can determine whether your claim is accepted or rejected.

For those of you who want to submit a car claim, you must contact the insurance company for a maximum of 3 × 24 hours, so if you are past this deadline, your claim is definitely rejected.

If you want to make a health claim, make sure you submit a maximum of 30 days, and for life insurance claims, a maximum of 60 days. All conditions are different for each insurance, so make sure you do your research first.

3. In accordance with Claim Conditions

When you make a health insurance purchase, make sure you read the terms and conditions on the policy sheet. It could be that insurance claims are rejected because the things you submit are exceptions. In life insurance, for example, those that include exceptions are death due to suicide, death due to court sentences, and death due to criminal acts. While in health insurance, which includes exceptions are certain medications, for example treatment due to childbirth or related to the womb, such as miscarriage.

Source: https://www.cigna.co.id/health-wellness/mengapa-klaim-asurance-bisa-rejected