5 Common Insurance Claim Mistakes to Avoid

A good insurance policy is only as strong as the claim it settles. Most claim rejections in India happen not because of technicalities, but because of simple, avoidable mistakes by policyholders. Here are the five most common ones we see at Vityam.

1. Delayed claim intimation

Most insurers require claim intimation within 24–48 hours. Delay here is the single most common reason for claim disputes. Always notify your Vityam executive or the insurer's 24/7 helpline the moment a covered event occurs.

2. Non-disclosure at the time of buying

Hiding pre-existing illness, tobacco use or family medical history is an open invitation for claim rejection. Insurers cross-verify with hospitals; disclose everything.

3. Incomplete documentation

Missing FIR, discharge summary, original bills, or policy copy delays settlements. Keep a claim checklist — your Vityam advisor shares one for every policy type.

4. Using non-network hospitals for cashless claims

If you want cashless, go to a network hospital. Otherwise, you'll pay out of pocket and file a reimbursement claim — slower and requires full documentation.

5. Not reading exclusions

Every policy has waiting periods and exclusions — especially for cosmetic treatments, infertility, certain mental health conditions, or adventure sports. Read the "What is not covered" section at issuance, not at claim time.