Approximately 25% of health insurance claims face rejection due to the policyholder failing to disclose pre-existing conditions such as diabetes or hypertension during the purchase. An additional 25% of rejections occur when policyholders are uninformed about coverage terms and attempt to claim for outpatient department (OPD) or other treatments not covered by the policy. Furthermore, a significant portion of claims (16%) is declined because the claimant did not respond to inquiries.
