What Your Insurer Hopes
You Never Ask

Non-disclosure, wrong hospital, missed deadlines — the 9 most common reasons insurers use to deny legitimate claims.

Yes. A condition diagnosed after policy start can still be treated as pre-existing if symptoms existed before.

Step-by-step: what to do in the next 2 hours if the TPA rejects your cashless request at a network hospital.

IRDAI grievance portal, Insurance Ombudsman, consumer court — the three escalation paths and when to use each.

The proportionate deduction rule — how a room rent sub-limit can reduce your entire claim, not just the room charges.

Insurers investigate. Social media, medical records, pharmacy histories — what they check and what you must declare.

Fine print, investigation delays, TPA pressure tactics — the playbook insurers use and how to counter each one.

Verbal promises not in the policy, wrong product sold, premium hiding — how to identify mis-selling and get a refund.

Third Party Administrators process your claims — but their incentives aren't always aligned with yours.

After 60 continuous months, insurers cannot reject claims for non-disclosure except fraud.

Risk loading, medical underwriting at renewal, age-based increases — what's legal, what's not, and how to push back.

By city tier, family size, and age — the cover amounts that actually make sense given medical inflation.

The floater trap: if your eldest member claims, the entire family's cover is exhausted.

Get ₹50 lakh cover for ₹3,000 a year. The most underutilised insurance product in India.

Initial 30 days, PED 36 months, specific disease 24 months — the waiting period map and how to reduce them.

A ₹5 lakh policy with a 20% co-pay is really a ₹4 lakh policy. The maths explained.

Restore sounds great — but most policies restore only for a different illness. The fine print that determines if it helps.

NCB, cumulative bonus, Booster+ — how unused cover accumulates and what happens when you make a claim.

Cataract, chemotherapy, dialysis — the daycare procedures IRDAI mandates all health policies must cover.

Domiciliary hospitalisation — when home treatment qualifies for a claim and the documentation you need.

IRDAI portability rules mean you can switch insurers and carry forward your waiting period history.

Missing renewal by even one day can reset your entire waiting period history. What to do if it happens.

Co-pay clauses, sub-limits, pre-existing disease exclusions — why senior citizen policies need extra scrutiny.