What are some common examples of insurance mis-selling?
Common examples include selling policies without full disclosure, misrepresenting benefits, or recommending unsuitable products for the customer's needs.
Why do insurance companies reject claims?
Claims may be rejected due to policy exclusions, non-disclosure of information, lapsed premiums, or filing after the claim deadline.
Can an insurance claim be delayed due to pre-existing conditions?
Yes, insurance claims can be delayed if pre-existing conditions were not properly disclosed during policy purchase. The insurer may need additional time to investigate and verify medical history.
Can a short-settled claim be re-submitted for payment?
Yes, if you believe your claim was short-settled, you can request a review and re-submit with additional documentation supporting your claim amount.
What is a success fee?
A success fee is a percentage of the recovered amount that we charge only after successfully resolving your case. This fee is discussed and agreed upon upfront.
How long will it take to resolve my insurance-related problem?
Resolution time depends on case complexity and insurer response, typically 30-90 days. We work to expedite the process while ensuring thorough handling.
Do I have to meet anyone during the resolution of my case?
Most cases can be handled remotely through phone, email and our online portal. In-person meetings are optional and scheduled only if needed.
What is the pre and post hospitalization claim?
Pre and post hospitalization claims cover medical expenses incurred before and after hospitalization. The coverage period varies by policy, typically 30-60 days pre and 60-90 days post hospitalization.
Does smoking affect insurance plans?
Yes, smoking status affects insurance premiums and coverage. Smokers generally pay higher premiums due to increased health risks. Non-disclosure of smoking habits can lead to claim rejection.
Is there a waiting period before filing a claim under a health insurance policy?
Yes, most health insurance policies have waiting periods: 30 days for general claims, 2-4 years for pre-existing conditions, and specific waiting periods for certain treatments/procedures.