Monday 26 December 2011

Some of the Reasons for Claim Denial


Answer correctly to the Medical questions:
One of the main factors that can lead to a Claim denial is Improper answering to medical questions in Insurance application. While answering make sure you understand the questions well, If not ask the insurance agent. Use insurance company's help line to contact with experienced medical staff to clear your doubt. If you are not sure about your medical condition, then consult a doctor.

Recently a senior couple was billed $107000 despite having a travel health insurance only because of pre-existed heart condition, atrial fibrillation, which wasn’t disclosed on the insurance application.

So Never give incorrect answers to the questions, Always disclose any relevant information about your medical history while answering to insurance application. Failure to disclose can lead to some unfortunate surprises which may result in denial of your claim.


Understand Your policy
Usually travellers purchase Travel Health Insurance for peace of mind. First of all insured must understand the insurance policy that they had purchased. They should be aware of which all conditions are covered by the policy. Claiming for a medical condition or illness which is not covered by the policy can lead to denial of the claim.

Insured must make sure  which all pre existing conditions are covered by Insurance policy:
Pre-existing medical conditions attempt to address any medical condition that an insured had prior to travel, and therefore is not covered by the emergency nature of the travel insurance policy. Read my previous article to know about Pre-Existing conditions and its definitions.


Confirm the scope of your insurance policy:
Your provincial insurance policy will cover only a very small fraction of medical expense that could happen in an outside country trip. So make sure to insure yourself with a good travel insurance plan provided by a reputed and trust worthy private insurance company. Check how to choose the travel insurance.


Some Travel Health Insurance Tips

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