Top 7 Reasons Jiski Wajah Se Insurance Claims Reject Ho Jaate Hain
Sabse common claim rejection reasons aur unko avoid karne ke practical steps — directly hamare audit team ke experience se.
Ek genuine claim ka reject hona ek customer ke liye trust-breaking moment hota hai. Hamari audit team ne 10,000+ policies ko analyze karke yeh 7 most common rejection reasons identify kiye hain.
1. Late Intimation
Most insurers 24–48 hours ke andar incident intimation maangte hain. Late report = automatic rejection grounds. Solution: hamesha tatkal WhatsApp/email se insurer ko intimate karein, even before FIR.
2. Policy Lapse / Gap
Expired policy ke time hua incident cover nahi hota. Early renewal aur reminders se 100% avoid kiya jaa sakta hai.
3. Misrepresentation in Proposal
Pre-existing diseases hide karna, vehicle commercial use chhupana — yeh sab claim time pe pakda jaata hai.
4. Wrong Add-on Selection
Zero-dep, engine protect, RTI — sahi add-ons na hone se claim partial milti hai. Audit yeh sab pehle hi flag karta hai.
5. Documentation Gaps
FIR, PUC, fitness certificate, driving license — har ek detail matter karti hai.
6. Exclusions Misunderstood
Natural calamities, riots, war — policy ke fine print ko ignore karna common mistake hai.
7. Surveyor Report Discrepancy
Surveyor ki report ke saath aapki version match na ho toh claim deduct hoti hai. Professional claim assistance yeh resolve karta hai.
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