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The number one reason for denial of medical claim is due to misconception of the policy holders about medical insurance.In most cases, it has been seen that people having undergone simple medical tests have opted for medical claim, where as medical insurance is only for TREATMENT of illness/disease encountered by the policy holder. The second best reason is "Pre-existing Disease" i.e. existence of disease before taking the policy,which have been concealed. Even if it is declared, there are exclusions for say lst year,2nd year or even 4th year depending on the type of disease. Staying 24 hours in hospital/nursing home is mandatory, where as it has been seen that patient have been discharged on the same day of admission,excepting day care facility for few diseases.Not filling up the claim form properly,TPA's insistence on continuity of policy information from the insurance also delay the process.

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Isidro O'Keefe

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2y ago

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What do you think the number one reason is for a denied medical claim and why?

The number one reason for denial of medical claim is due to misconception of the policy holders about medical insurance.In most cases, it has been seen that people having undergone simple medical tests have opted for medical claim, where as medical insurance is only for TREATMENT of illness/disease encountered by the policy holder. The second best reason is "Pre-existing Disease" i.e. existence of disease before taking the policy,which have been concealed. Even if it is declared, there are exclusions for say lst year,2nd year or even 4th year depending on the type of disease. Staying 24 hours in hospital/nursing home is mandatory, where as it has been seen that patient have been discharged on the same day of admission,excepting day care facility for few diseases.Not filling up the claim form properly,TPA's insistence on continuity of policy information from the insurance also delay the process.


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