Non-disclosure of material facts
An insurer may question whether a fact was withheld at proposal stage. Whether a non-disclosure justifies rejection depends on the policy, facts, applicable law and underwriting evidence.
Get this reviewed →Understand your rejection
Why insurance claims get rejected and what to check.
Plain-English explanations to help you prepare for a free case review. These general guides cannot determine whether your individual claim is payable.
Pre-existing disease
The timing of diagnosis, medical evidence, waiting periods and policy terms can be relevant. The stated ground needs to be checked against the actual medical record.
Get this reviewed →Exclusions
An exclusion may apply to a specific loss. The question is what the clause says and whether it fits the circumstances and disclosures.
Get this reviewed →Delay in intimation
Late notice can require an explanation. The effect of delay depends on the policy, facts and applicable claim-handling requirements.
Get this reviewed →Insufficient documents
The requested records may be missing or impossible to obtain. A precise explanation and alternative evidence may help clarify the claim.
Get this reviewed →Short-paid settlement
Sub-limits, deductions and valuation can lead to a lower payout. The calculation and policy wording should be examined.
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