Insurance Claim Tips & Guides

Expert articles on health insurance claims, TPA processes, rejection reasons, ombudsman complaints — by Dr. Bharat.

Health Insurance

Top 10 Reasons Health Insurance Claims Get Rejected in India

Find out the most common reasons insurers reject health claims and how to avoid or challenge each one.

Read More
Cashless Claims

What to Do After Cashless Claim Denial — Step by Step Guide

Your cashless claim was denied at the hospital. Here is exactly what to do next — during and after discharge.

Read More
Claim Tips

How to Reduce Room Rent Proportionate Deductions in Health Claims

Room rent deductions can reduce your claim by 30–40%. Understand how they work and how to challenge them.

Read More
Policy Basics

Cashless vs Reimbursement Claims — Which Is Better and Why?

Understanding the difference between cashless and reimbursement claims — and when reimbursement works better.

Read More
Grievance Support

How to File an Insurance Ombudsman Complaint in India (2025 Guide)

The ombudsman is free, fast, and binding on insurers. Here is a complete step-by-step guide to filing your complaint.

Read More
Policy Basics

Understanding Pre-Existing Disease Clauses in Health Insurance

PED clauses are the most common rejection ground. Know exactly what they mean and your rights as a policyholder.

Read More

Need Immediate Help With Your Claim?

Share your rejection letter on WhatsApp — expert review within 24 hours. Pan India service.

Chat on WhatsApp