From under-insuring to hiding medical history, these common mistakes can get your claim rejected. Here's how to avoid them.
A health policy is only as good as the moment you claim on it. These seven mistakes are the most common reasons people end up underinsured — or worse, with a rejected claim.
1. Buying too little cover
A ₹3–5 lakh policy sounds fine until a single hospitalisation in a metro city crosses it. Aim for ₹10 lakh+ and use a super top-up to reach ₹25 lakh–₹1 crore affordably.
2. Hiding your medical history
Not declaring a pre-existing condition to get a lower premium is the fastest route to a rejected claim. Always disclose everything — insurers can and do check.
3. Ignoring the waiting period
Pre-existing diseases are typically covered only after 2–3 years. If you have a condition, choose a plan with the shortest waiting period rather than the cheapest premium.
4. Overlooking room-rent limits
If your policy caps room rent, a pricier room can proportionally reduce your entire claim. Prefer plans with no room-rent capping.
5. Only comparing premiums
The cheapest plan is rarely the best. Weigh the claim-settlement ratio, network hospitals, sub-limits and restoration benefits — not just price.
6. Forgetting to add parents correctly
Adding elderly parents to your floater can spike the premium for everyone. A dedicated senior-citizen plan is often cheaper and better for them.
7. Not reviewing cover yearly
Your needs change — marriage, a child, a bigger income. Revisit your cover at each renewal and top it up as life grows.
Unsure if your current cover is enough? A free advisory call can spot gaps in minutes — no obligation to switch.