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. |