{"id":785,"date":"2018-08-21T10:51:07","date_gmt":"2018-08-21T05:21:07","guid":{"rendered":"http:\/\/www.parinitasharma.com\/?p=785"},"modified":"2021-10-16T00:17:12","modified_gmt":"2021-10-15T18:47:12","slug":"4-common-reasons-for-rejection-of-your-life-insurance-claim","status":"publish","type":"post","link":"https:\/\/www.parinitasharma.com\/blog\/4-common-reasons-for-rejection-of-your-life-insurance-claim\/","title":{"rendered":"4 common reasons for rejection of your life insurance claim"},"content":{"rendered":"<p>Let\u2019s discuss the 4 common reasons for rejection of life insurance claims:<\/p>\n<p>1. Hiding medical history, lifestyle and family information<br \/>\nPay special attention to sections related to lifestyle, medical and family history. Chopra advised, \u201cDo not miss or hide information related to your health and lifestyle, especially smoking and alcohol-related questions. In case you consume cigarettes occasionally, you cannot declare yourself as a non-smoker in the proposal form.\u201d<\/p>\n<p>Agarwal added, \u201cHiding wrong deeds like smoking or alcohol consumption just to pay a low premium will definitely lead to a claim rejection. Hiding any medical history with the fear of the policy getting rejected can be a cause for claim rejection.\u201d It\u2019s important to inform the insurer in case of any lifestyle or medical changes like if you start smoking.<\/p>\n<p>2. Concealing pre-existing diseases \u201cThis information plays a significant role when a customer wishes to attach some health-related riders\/add-ons, like critical illness rider, with the basic term or life insurance plan. Being a health-related cover, it is very important to disclose any pre-existing condition,\u201d said Chopra. Currently, new term insurance plans come with inbuilt critical illness benefits.<\/p>\n<p>3. Delay in claim filing<br \/>\nChopra cautioned that delay in filing the claim beyond a stipulated period could raise unnecessary suspicion. &#8220;The insurer can call for prolonged investigations.\u201d Such activities can take an additional time and can be a cause for claim rejection.<\/p>\n<p>4. Policy lapse<br \/>\nThe first criteria for getting your claim approved is that the policy should be in-force. Chopra said, \u201cYou must always pay your premiums on time to keep your policy in force. An insurer will reject your claim if your policy has lapsed due to non-payment of premiums.\u201d If due to any unavoidable circumstances you miss the due date of your premium payment, you should pay for the same during the grace period. If a claim is made even a day after the policy lapses, the insurance company will reject the claim.<figure id=\"attachment_787\" aria-describedby=\"caption-attachment-787\" style=\"width: 300px\" class=\"wp-caption alignnone\"><img width=\"300\" height=\"182\" data-public-id=\"smartlife\/IMG_20180821_104720_7871f1d8\/IMG_20180821_104720_7871f1d8.jpg\" fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/res.cloudinary.com\/dohr9kzty\/images\/w_300,h_182,c_scale\/v1634323646\/smartlife\/IMG_20180821_104720_7871f1d8\/IMG_20180821_104720_7871f1d8.jpg?_i=AA\" alt=\"\" class=\"size-medium wp-post-785 wp-image-787\" data-format=\"jpg\" data-transformations=\"\" data-version=\"1634323646\" data-seo=\"1\" srcset=\"https:\/\/res.cloudinary.com\/dohr9kzty\/images\/w_300,h_182,c_scale\/v1634323646\/smartlife\/IMG_20180821_104720_7871f1d8\/IMG_20180821_104720_7871f1d8.jpg?_i=AA 300w, https:\/\/res.cloudinary.com\/dohr9kzty\/images\/v1634323646\/smartlife\/IMG_20180821_104720_7871f1d8\/IMG_20180821_104720_7871f1d8.jpg?_i=AA 711w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-787\" class=\"wp-caption-text\">Zindgi Ke Sath bhi or Zindgi ke baad bhi<\/figcaption><\/figure>Jio<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s discuss the 4 common reasons for rejection of life insurance claims: 1. Hiding medical history, lifestyle and family information Pay special attention to sections related to lifestyle, medical and family history. Chopra advised, \u201cDo not miss or hide information related to your health and lifestyle, especially smoking and alcohol-related questions. 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