Health insurance claims in India can be rejected/repudiated for various reasons, including :

• Pre-existing conditions:

  Health Insurance Claims may be denied if the policyholder has a pre-existing medical condition that was not disclosed at the time of purchasing the policy either innocently or knowingly

• Switching of Insurance company:

  Since health insurance is portable so in case of claims after porting there may be complexities

• Waiting periods:

  Certain policies have waiting periods for specific illnesses or treatments. If a claim is made during this waiting period, it may be rejected.

• Incorrect information

  Providing inaccurate or incomplete information during the policy application can lead to claim repudiation

• Policy exclusions:

  Policies often have exclusions for certain medical conditions or treatments. If the claim falls under these exclusions, it may be rejected

• Non-disclosure of material facts:

  Failure to disclose material facts related to health or medical history during the application process can result in claim repudiation

• Policy lapse:

  If the policyholder fails to pay premiums and the policy lapses, any claims made during that period may not be honoured.