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Common reasons travel insurance claims are rejected

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Published on August 17, 2021. EST READ TIME: 3 minutes



The situation we all dread is when your insurance claims are rejected by your insurance provider. When it comes to travel insurance, not only is it stressful but also a huge obstacle for your holiday. Fortunately, you can avoid this situation by preparing in advance for scenarios in which your claim for medical insurance for travel will likely get rejected.

Common reasons for Claim Rejection

1. Claim Exclusions:

   Among the most common reasons for claims getting rejected is that your claim is not included in your policy document as a valid reason. Be sure to check the exclusions and inclusions in your travel insurance policy before buying it so that you are equipped to know when to file a claim.

2. Missing Bills:

   Any claim you choose to register has to be well substantiated with the necessary proof. Your evidence can be in the form of the associated paperwork, bills, tickets, and more. Ensure you keep medical bills for any international treatment you receive so that you can file a claim accordingly.

3. Undeclared Medical Conditions:

    If you file a claim for a medical condition that was not disclosed prior to buying your travel insurance policy, your claim is likely to be rejected by your insurer. Be carefulwhile filling your application form to prevent this outcome from occurring.

4. Engaging in Adventurous Activities: 

   Any claims for  medical insurance for travel when the policyholder was engaged in adventure-related activities are usually rejected by insurers. In cases where you have fallen sick as a result of partaking in an adventurous activity, your claim is still likely to be rejected.

5. New Rules:

   Any changes in policy rules that have come into effect can result in your claims being rejected if they violate those rules. These outcomes are quite rare but you should be up-to-date with your policy’s structure and updates.

6. Incorrect form details:

    Filling out form details that do not match your application form is likely to be another reason for claim rejection. This is why consistency across your paperwork is vital. Be sure to fill out your details as filled in your original documents to avoid claim rejection.

7. Pre-approval by the insurer: 

   Pre-approval doesn’t guarantee that your insurer will cover that medical service. You still have to file a claim once the service is provided. There is an approval time period after which your insurer will let you know whether or not they can cover your medical service.

Points to keep in mind to avoid claim rejections

1. Withholding medical details:

   Under any circumstance, avoid withholding any medical data of yours when applying for a travel insurance policy. This kind of data is necessary for situations where a pre-existing medical condition crops up at a time when your policy is active. If this condition was undisclosed, your insurer can reject your claim.

2. Lack of policy cover for adventure sport activities:

   Travel insurance policies do not cover any illness or accidents that are related to partaking in adventure sports. You should be wary of this before you sign up for such sports and only do so with significant precaution. Even in circumstances where a prior medical condition is aggravated due to adventure activities, your claims will be rejected.

3. Note Claim Exclusions:

   During the application period for any insurance policy, always look at claim exclusions. This is essential to make sure you are well prepared to see if the policy is suited to your needs and preferences. Being aware of any claim exclusions also ensures that you do not file any claims that are likely to be rejected in the future.

Conclusion

Travel insurance is a very handy financial tool, to keep your holiday stress-free. There are many circumstances in which this policy is applicable, but also select circumstances in which claims can be rejected. Being aware of these scenarios can prevent you from learning about your policy the hard way. Always be mindful of policy inclusions and exclusions beforehand so you can avoid or be equipped to deal with claim rejection.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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