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MYTHS ASSOCIATED WITH MEDICAL CLAIMS

Updated: Jan 17, 2022


Due to need of consumer awareness, respective myths associated with

medical claims deter the insured from taking an informed decision.

Some of these common myths include



MYTHS

FACTS

​Medical treatments taken at a

non-network hospital cannot be

claimed

It can be claimed through

reimbursement process

If in case claim has been denial

once, the adjudication cannot be

contested

​A denial claim can be contested if

you can assure the insurance

company that your claim is

genuine

Out patients expenditure are not

covered under a health insurance

policy

​​​Out patients expenditure are

covered in the health insurance

policy so it is important to refer to

the policy documents and policy

plans carefully

The insured needs to pay the

difference of room rent in the

medical claim

The insured taken by higher room

needs to pay the room rent

according to the proportionate

deduction applicable in the policy

​Health insurance purchased just before a surgery will cover the costs

​Medical health policies often have a clause for a waiting period before making any claims. Also, pre-existing diseases will be covered post completing the waiting period, hence read the policy wordings.


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