The Causes of Insurance Claims Rejected

Each insurance policy owners will definitely want to get a warranty / best protection in case a disaster happens to the owner of the insurance policy. But what happens if when the accident occurred, but when the owner of the policy to make a claim but was denied by insurers? certainly very disappointed not.

Therefore, it would be nice before we make a claim, first consider the rules that lead to insurance claims we rejected. Well, here are some reasons that make claims rejected by insurers :

1. Misrepresentations of Material
What is meant here is that the customer provide false statements or information, and does not match the reality of customers, both in the form of information about medical history, income, and risk his job.
For example, when completing the registration form, the customer said that the customer does not have such a dangerous medical history of heart disease. But in fact, the customer subsequently died of the disease. When it happens like that, most likely, insurers will reject claims submitted. To remember that, the insurance company would not believe it to you, they certainly will find information, whether the information from you that is true or not.

2. Suicide
In this case, if the family filed a benefit / claim for the death of the policy holder, but after being checked by the insurance company that the policy owner dies by suicide, it stands to reason that the claim filed by the family of the insured will be rejected. In this case, usually the insurance company will only provide benefits / guarantees if the policy holder dies due to illness or an accident that was not intentional.

3. Dead Itself Induced
Death is meant here is different from suicide. For example, there is the policy owner-kebuatn who likes racing on the highway, then it makes it dead because of his behavior. Or the owner of the policy has a habit of getting drunk or using illegal drugs, which made ​​him an overdose and then died. So the question here is really a natural death in the absence of intent, such as activity / act which caused the death occurred.

Of the several reasons above, hopefully there is no more fear of the family insured that the claim will not be denied later they ask. So that they have a policy that really give you the best benefits as expected. May be useful.