Top 5 Reasons Insurance Claims Get Rejected in India (And How to Avoid Them)

Blog post description.

4/9/20251 min read

Top 5 Reasons Insurance Claims Get Rejected in India (And How to Avoid Them)

Intro:
Insurance claims get rejected more often than you’d expect—many for small mistakes. Here’s what you need to know to avoid heartbreak when filing your claim.

1. Incomplete or Incorrect Documentation

Missing documents like hospital bills, FIR, or policy details are the #1 reason for claim denial.

Pro Tip: Keep a checklist of required documents and double-check before submitting.

2. Non-Disclosure of Pre-Existing Conditions

Not declaring a health condition at the time of buying insurance can lead to rejection later.

Pro Tip: Always declare everything honestly while filling the proposal form.

3. Policy Exclusions

Each policy has certain exclusions—like waiting periods, specific treatments, or activities.

Pro Tip: Read your policy document carefully or consult an expert like FairClaim to interpret it.

4. Delayed Claim Filing

Filing a claim beyond the stipulated timeline (usually 30 days) can lead to automatic rejection.

Pro Tip: Always initiate the claim process ASAP and keep proof of submission.

5. Incorrect Claim Amount

Claiming more than the actual loss or medical expense may lead to partial or full rejection.

Pro Tip: Keep bills, prescriptions, and estimates organized and submit accurate figures.