Are you a user of insurance
services? Insurance is the prima donna for the protection of an asset from
risks that may occur in the future. But, do you feel disappointed because your
insurance claim was rejected? Do not be sad. Check out 5 reasons why insurance
claims are rejected.
How to Use Insurance
Insurance is a means of
protection to minimize the risk of damage that may occur in the future. The
mechanism of protection from insurance is through an agreed cooperation between
the insurer and the policy owner (individual).
The insurance utilization system
is divided into two, namely direct cost coverage and delayed cost coverage. You
can also read how to choose insurance online.
In the direct coverage system,
activity costs (as agreed in the policy) will be directly borne by the insurer.
Where ana, as the owner of the policy, does not need to pay a penny for the
action.
In the delayed coverage system,
the activity fee needs to be paid independently in advance by the policyholder.
Later, the policy owner can file a reimbursement claim as a form of protection
from the insurance.
However, there are some cases
where insurance claims are rejected. So what’s the cause? Here are 5 possible
reasons why an insurance claim was rejected.
Reasons Why Insurance Claims Are Rejected
Claims Not Included in Policy Cover
The first thing that happens the
most is the limit of insurance coverage. Sometimes the policyholders are not
aware of the details of each selected policy.
For example the case in health
insurance. You do dental treatment (scaling) without treatment. This action is
not considered a health domain according to the policy, but beauty. When you
make a claim, the application is automatically rejected
Incomplete Documents
More cases of rejected insurance
claims are found in the use of reimbursement insurance. Where the policyholder
needs to pay personally first, then submit a replacement claim.
One of the reasons why insurance
claims are rejected is incomplete filing documents. Terms and conditions of
completeness of documents depend on the insurance policy. Is it mandatory to
attach the original receipt, must attach proof of payment in 4 copies, or must
attach a drug prescription.
The Active Period of Insurance Has Ended
Have you checked the validity
period of your insurance? Do not let the reason why your insurance claim is
rejected is that the active period of the insurance corporation has ended and
has not been extended.
This incident is actually rare.
Considering that insurance agents must remind policyholders to extend insurance
that will expire. Insurance renewal can only be done consciously by the owner
of the police and is not automatic.
Unpaid Premium
Another reason why insurance
claims are rejected is unpaid premium arrears. The insurer has the right to
temporarily suspend claims service if it is found that the premium bill is in
arrears.
You should know the mechanism of
this policy at the outset. Especially for those of you who are periodic and
long-term insurance policy holders. Check and pay attention to the cooperation
clauses listed in the policy.
Insurance Agent Communication is Not Optimal
The biggest reason why insurance
claims are rejected is the lack of good communication between the policy owner
and the insurance agent he chooses. The previous 4 reasons could have been
avoided if the communication between the insurance owner and the agent was good
and communicative.
To overcome this problem, make
sure you use the services of the right insurance agent. Where the agent
provides detailed insurance product knowledge to you. It is not only limited to
informing the benefits but also providing detailed information regarding the
obligations of the policy owner
Those are 5 reasons why insurance
claims are rejected. Hope this helps those of you who are looking for the
answer.
