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Claims
Common Health Insurance Claim Mistakes
BimaParichay Awareness Team · 4 August 2026 · 4 min read
Most claim friction comes from a small number of avoidable issues — and almost all of them are decided long before the hospital visit.
Mistakes seen most often
- Not disclosing existing medical conditions at the time of purchase.
- Assuming a hospital is in the network without checking.
- Missing the intimation timeline mentioned in the policy.
- Incomplete documents — missing discharge summary, investigation reports or original bills.
- Not knowing about sub-limits, co-payment or a deductible until discharge.
- Letting the policy lapse and losing continuity.
Simple habits that help
Keep a soft copy of the policy schedule, the insurer or TPA helpline number and the health card on your phone. Inform the insurer as early as possible, ideally before a planned admission.
An honest caveat
No preparation guarantees a claim outcome. Claim decisions are made by the insurer under the policy terms and applicable regulation. Preparation reduces avoidable problems; it does not override the contract.
Check what your own policy says
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