Yes, claims can be delayed if pre-existing conditions are not disclosed or if they fall under a waiting period that is stipulated in the policy.

Yes, you can request a review or resubmit a short-settled claim, provided you have sufficient evidence to prove the shortfall and that it was not a result of policy limitations.

To avoid mistakes, ensure you submit all required documents, provide accurate details, and review your policy thoroughly to understand coverage and exclusions. Keep copies of all communications and follow up with the insurer for any clarifications.

Review your policy document carefully, paying attention to details such as coverage dates, premium amounts, benefits, exclusions, and any riders. You can also consult an expert or customer support for clarification.

Common examples include selling a policy without disclosing terms, pushing inappropriate products for a customer’s needs, misrepresenting policy benefits, and hiding critical exclusions or limitations.

Typically, you’ll need the policy document, claim form, identification proof, medical or hospitalization records, invoices, and any supporting documents related to the claim event.

Yes, you can appeal a rejected claim by submitting a formal request to the insurance company along with any supporting documents that address the reason for denial. It’s important to act within the appeal period specified by the insurer.

Review your policy document for a list of covered treatments or contact your insurer directly to verify whether specific treatments are included under your plan.

Yes, you can change your insurance plan during the renewal period or through a porting option, allowing you to switch to another provider with better coverage, subject to certain conditions.

Review your policy to understand the reasons for the increase, such as age-related adjustments or changes in coverage. Contact your insurer for clarification or consider switching plans if it no longer meets your needs.

You can track the status of your insurance complaint through the insurer's customer support, online portals, or mobile apps, where updates on the resolution process are usually provided.

No, we do not charge a registration fee. You can reach out to us without any upfront cost to initiate your case.

A success fee is a payment you make to us if we successfully resolve your case. This fee is usually a percentage of the amount recovered or settled.

The time to resolve an insurance issue can vary depending on the complexity of the case. On average, it can take a few weeks to a few months, depending on the responsiveness of the insurer and the nature of the issue.

In most cases, everything can be handled online or over the phone. However, there may be situations where an in-person meeting or document verification is required.

Yes, most health insurance policies have a waiting period, especially for pre-existing conditions or specific treatments. The waiting period duration varies by policy.

If admitted to an out-of-network hospital, inform your insurance provider immediately. You may need to pay the hospital directly and later claim reimbursement, provided your policy allows for out-of-network coverage.

Pre-hospitalization claims cover medical expenses incurred before hospital admission, while post-hospitalization claims cover follow-up treatments and medical costs after discharge, as per the policy terms.

Yes, smoking can increase your insurance premiums and may limit the coverage you receive, as smokers are generally considered higher-risk by insurers. It’s important to disclose your smoking habits when applying for a policy.