Why Claims Fail in India
“The claim doesn’t fail at the hospital. It fails on the day the policy is bought.”
Top reasons (from national reports + real cases):
- Non-disclosure of pre-existing conditions
- Room rent proportionate deduction
- Sub-limits for cataract, piles, stone, etc.
- Hidden co-payment
- Exclusions unknown to the customer
- Wrong TPA selection
- Weak hospital network acceptance
- Insufficient documentation
- PED waiting period violations
When you buy a policy without deep understanding,
you inherit a risk you cannot see until it is too late.
Our goal:
Eliminate that risk before the illness arrives.