The difficulty in managing insurance claims is often a scourge for insurance policy holders. Not a few also make it one of the reluctance to buy insurance policies. But the difficulty of handling these claims is not without reason. Everything is in agreement between the insurer and the buyer of the insurance policy, and is legally bound. That is, claims will not be arbitrarily rejected.
And in this article I will discuss what reasons can make an insurance claim be rejected. Therefore you must pay attention to this article to the end, so that you can understand the reason why your insurance claim was rejected. and here are some reasons:
- Claims Are Not Included in the Clause
An insurance policy contains an agreement that covers the criteria for what is entered and is not included in the insurance coverage. In disability insurance, the insurer will make a medical check in advance to the applicant whether he has the right to get the insurance or not.
We take another example. For example, the policy stated that a stroke is a cerebral-vascular attack, is permanently neurological, in more than 24 hours. Even if the doctor diagnoses a policy holder with a stroke but is still less than 24 hours, the insurance claim cannot be submitted because it will definitely be rejected.
- Incomplete Claim Documents
Make sure to know all the documents that must be provided when you want to make a claim. One document that is lacking, insurance will reject the claim. For example for life insurance, a certificate from a doctor is needed. You are also required to fill out a claim form. if you are troubled in making a claim you can contact St Petersburg long term disability lawyer to consult or you can also ask for help from them and later they will help you to handle your problem.
When filling out the form, fill it out honestly and as clearly as possible because the insurance will later check. They will not pay claims if the contents of the claim form prove to contain lies.
Another procedure that is no less important is to make repairs in the partner workshop. The same thing also includes treatment at the hospital referred by insurance. Can not repair or seek treatment outside the insurance referral.
- Submission of Claims Above the Specified Time
Insurance claims can be delayed or even rejected if the handling of claims exceeds the time specified in the policy. Insurance always provides a certain time limit for handling claims. Through that, claims can be rejected. Car insurance claims must be taken care of immediately because the time limit is short, only 3 x 24 hours. As for insurance such as life insurance, the time limit is between 30-60 days.