The main reason for health insurance policy is protection against medical expenses However, the insurer may deny your claim:
• If you have a pre-existing disease not disclosed when the policy was issued.
• Incomplete documentation and erroneous information
• Intimation of hospitalization not received in the stipulated time
• Tests are experimental or unproven
• Claim related to maternity, waiting period, hospitalization not required, less than 24-hour hospitalization
• Diagnostic tests do not require treatment
• Fraud
• Violates exclusions listed in the policy
This can be avoided by adhering to policy terms and conditions.