Get Quote alt-image
Need Help?
Request a Callback from Us
Thank you for showing interest.
Enter your contact details to proceed.

  • image
  • Thank you!

    We are always available to resolve your queries! You will receive a callback from us.

The time slot chosen for you is 9th March, between 10AM - 12PM

back Back to Blogs

Why Your Group Health Insurance Claim Got Rejected and What to Do About It?

Posted on 06 Aug, 2024
  • Share on
  • icon
  • icon
  • icon

Group health insurance is a crucial component of employee benefits which shields individuals and families from expensive health expenses. Employers generally provide some kind of health coverage which might include various benefits for employees. It is often both financially and emotionally draining to get a health insurance claim denied. To be able to effectively navigate the claims process and obtain the insurance they should have, policyholders have to tackle the root cause of these rejections.

There are lots of reasons that a group health insurance claim is denied. In this blog, we'll explore the key elements you must always keep in mind in case you find yourself in this specific circumstance.

group health insurance

Factors Behind Group Health Insurance Claim Rejections

a) Wrong Information: Submissions of inaccurate or incomplete data like medical codes, policyholder specifics, or therapy specifics usually lead to claim rejections.

b) Non-Covered Services: Trying to get medical interventions outside of the scope of a public health insurance policy results in claim denials. A crucial element to avoiding these kinds of rejections is understanding policy inclusions.

c) Out-of-network providers: Group health insurance plans frequently have a network of providers with which they negotiate more affordable rates. In case you're treated by an out-of-network provider, your claim might be denied or your medical bills might be substantially increased.

d) Lack of Preauthorisation: Certain procedures call for insurance approval. Failing to get this particular authorisation leads to claim dismissals, underscoring the importance of adhering to preauthorisation requirements.

e) Policy Exclusions: Many group health insurance plans define what treatments or problems are excluded from coverage. Making a claim on these excluded elements, rejection is inevitable.

f) Missing documentation: Absent or insufficient documentation -- such as health reports, test results, or invoices -- is one reason for rejecting a claim. It is crucial the documentation be thorough and accurate to avoid this rejection trigger.

g) Late for Filing: Many group health insurance plans establish a limit on the length of time that a claim could be filed for. Your claim will be rejected if you don't submit it within the timeframe.

h) Billing Errors: Healthcare providers' billing mistakes as well as inaccuracies in claim submissions usually lead to rejections by insurance companies. Appropriate review and verification of billing information is crucial to steer clear of this common root cause of claim denials.

Effective solutions for handling claim rejections

1. Review Policy Details: It is possible to deal with claim rejections more efficiently in case you know the coverage deals with exclusions and submission restrictions of your individual health insurance policy.

2. Double-Check Information: In order to reduce rejection risks, it is crucial that your claim is accurate. Prior to filing a claim, the documentation of policy numbers, personal details as well as treatment codes is scrutinised.

3. Seek Preauthorisation: Important preauthorisation for actions required by your insurance policy will help prevent denials of claims due to lack of approval. Checking out with your insurance company before undergoing treatment ensures compliance with all of the protocols.

4. Maintain Complete Records: Documenting all health services and associated expenses provides your claim credibility. The inclusion of detailed records gives you ample evidence to support your claims, strengthening your role in the claim evaluation process.

5. Communicate with the Providers: To get correct billing, you have to keep open lines of communication with providers. Rapidly rectifying inaccuracies with providers prevents claim rejections and facilitates a smooth claim submission process.

6. Appeal Procedure: You need to thoroughly examine the appeals procedure to understand the way your insurance company will handle your claim rejections. You can contest adverse claim decisions by providing more information or clarifications by taking the recommended appeal steps post rejection.

7. Talk with Your HR Department or Insurance agent: In case you need assistance determining exactly why claim rejections are taking place and looking for remediation, you can speak to your company's HR department or even seek guidance from the insurance company. Making use of expert advice guarantees good understanding and resolution of claims discrepancies leading to good claim results.

Conclusion

Encountering a denied group health insurance claim can be disheartening. Your chances of getting your claim approved will increase if you're aware of the typical reasons for rejection and take measures to remedy them. To guarantee a smooth claims process, it is important to review your policy documents and ensure you provide accurate information.

FAQs

1. How can you respond if a group health insurance claim is denied?

If your group health insurance claim is denied, review the rejection letter to learn why the denial happened. Contact your insurance provider to obtain clarification, correct errors, submit additional documentation in case necessary and appeal the decision in case you believe the claim was denied improperly.

2. How can policyholders ward off group health insurance claim rejections?

To avoid claim rejection, policyholders should understand policy coverage, obtain pre-authorization for medical services when required, review information on claim forms and select in-network health providers, and document all communications with the insurance company regarding claims.

Help us know you better!

This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale.ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com. www.icicilombard.com. (Group Health Insurance,4016 , ICIHLGP21381V052021)