For many people, insurance claims feel like a gamble. You pay premiums regularly, follow the rules, but when it’s time to claim, the company says “Sorry, your claim is rejected.” 😞

It’s frustrating, disheartening—and unfortunately, all too common in India.

But here’s the good news: most claim rejections are easily preventable. And with the right knowledge (and platform like BimaVista), you can ensure your claims are honored quickly, fairly, and smoothly.

Let’s break it down.

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📉 Top 5 Reasons Why Claims Get Rejected in India

1. ❌ Incomplete or False Information at the Time of Buying

Many people don’t disclose pre-existing diseases or habits like smoking, thinking it’ll save them money.

But insurers verify everything during a claim—and if anything’s found false, the claim is rejected.

✅ BimaVista Tip: Always fill the proposal form yourself, and be 100% honest. We help you understand what matters and what doesn’t.

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2. 📜 Policy Lapse Due to Non-Payment

If your premium isn’t paid on time, your policy lapses—making you ineligible for any benefits.

✅ BimaVista Tip: We send timely reminders for renewals, and offer auto-pay options to keep your policy active.

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3. 🕒 Waiting Period Not Completed

Many health insurance policies have waiting periods for:

• Pre-existing diseases

• Maternity

• Specific surgeries (like cataract, hernia)

Claims made during this period are automatically rejected.

✅ BimaVista Tip: We highlight waiting periods clearly before you buy—so there are no surprises.

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4. 🛠️ Wrong or Delayed Claim Submission

Sometimes claims are rejected due to:

• Incorrect documentation

• Late filing (especially in reimbursement cases)

• Missing reports or bills

✅ BimaVista Tip: We offer guided claim support—step-by-step instructions, real-time tracking, and help if you’re stuck.

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5. 🧾 Claiming for an Excluded Condition

All policies have exclusions—like cosmetic surgery, dental care, or injuries from illegal activity.

Many people don’t read this and file claims that are never going to be accepted.

✅ BimaVista Tip: We highlight all inclusions and exclusions in simple language so you know exactly what’s covered.

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💡 How BimaVista Helps You Avoid Claim Trouble — Before It Even Starts

Here’s why claims are more successful when you buy from BimaVista:

🔍 Transparent Plans
No fine print traps. We decode insurance terms into plain, understandable language.

📋 Policy Match Tool
Our smart filters help you pick the right plan based on your lifestyle, needs, and medical history.

📲 Claim Tracking Dashboard
Track claim status in real-time—no need to call agents or wait for emails.

🤝 Human Help When You Need It
Facing issues? Our support team steps in to guide you or coordinate with the insurer.

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✅ Bonus: Checklist for a Smooth Claim Experience

Before Filing a Claim:

• ✔️ Check if the condition is covered

• ✔️ Make sure your premium is up to date

• ✔️ Collect and scan all required documents

• ✔️ Inform the insurer within the time limit

• ✔️ Keep communication in writing

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🏁 Conclusion: With the Right Knowledge, You’re Always Covered

Insurance isn’t supposed to scare you. It’s supposed to support you when you need it most.

At BimaVista, our mission is to remove the fear around claims and replace it with confidence. We stand with you from policy purchase to claim payout.

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👉 Visit bimavista.com and experience insurance that’s fair, friendly, and fully transparent.
🛡️ BimaVista — Because your protection should never come with conditions.