When you submit a health insurance claim after hospitalisation, the insurer may ask for indoor case papers to verify the treatment you received. These records contain details of your hospital stay, including the doctor’s notes, diagnosis, treatment provided and your medical progress during admission. If the hospital does not provide these records or some pages … Read more
You have paid the hospital bill, collected the medical documents and submitted your health insurance reimbursement claim. You expect the insurer to review the expenses and reimburse the eligible amount. Instead, you receive a message saying that your claim has been rejected. It can be frustrating, especially when you have already spent a significant amount … Read more
When you need to make a health insurance claim, the claim form may look like a simple document. But a small mistake in the policy number, treatment details, hospital information, bank details, or dates can create unnecessary queries and delays. This is especially important for reimbursement claims, where you usually submit the claim form along … Read more
Getting your health insurance claim approved is a relief, but the settlement letter that arrives afterward can sometimes be difficult to understand. You may see several figures on the same document — the amount you claimed, the amount approved, deductions, non-payable expenses and the final amount payable. If you are looking at one for the … Read more
Having two health insurance policies can provide an additional layer of financial protection, especially when one policy is not enough to cover a large hospital bill. But when an actual claim arises, things can become confusing. You may wonder which insurer should receive the claim first, whether both policies can be used, and what happens … Read more
Quick Answer Health insurance claim approved but amount reduced means your insurer has accepted the claim but paid only a part of the amount you requested. This usually happens because some expenses are not covered under your policy, certain charges exceed policy limits, or deductions are made according to the policy terms. It doesn’t always … Read more
Quick Answer Health insurance claim under process means your insurer has received the claim and is currently reviewing it. During this stage, the insurance company verifies your policy, medical records, hospital documents, and claim details before making a final decision. This status does not indicate that your claim has been approved or rejected. After submitting … Read more
Quick Answer Health insurance claim on hold means the insurer has temporarily paused processing your claim until certain documents, clarifications, or verification are completed. It does not automatically mean your claim has been rejected. In many cases, once the required information is provided, the claim moves forward for review and may still be approved. Health … Read more
Quick Answer Health insurance claim closed without settlement means the insurer has closed your claim without paying the claimed amount. This doesn’t always mean your claim was rejected due to fraud or policy violations. Sometimes claims are closed because required documents weren’t submitted, the policyholder requested closure, or the insurer didn’t receive a response to … Read more
Quick Answer If your health insurance claim status shows “Query Raised”, don’t panic. It usually means the insurer or TPA needs additional information before making a decision. A query is not a rejection—it is simply a request for clarification or supporting documents. If you respond promptly with the required information, your claim can still be … Read more
