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Claim Repudiated Or Claim Rejected? What It Means For Your Health Insurance Coverage

If you have a health insurance policy, you may have encountered the terms claim repudiation and claim rejection. These two different outcomes of your claim process can affect your coverage and benefits. In this guide, we will explain the distinction between claim repudiation and claim rejection in health insurance and what you can do if your claim is either repudiated or rejected.

What Is Claim Repudiation In Health Insurance?

Claim repudiation in health insurance means that your insurer has processed your claim and found it unpayable. This usually happens when your claim is based on grounds or conditions not covered under your policy. For example, if you have a pre-existing medical condition excluded from your policy or undergo a treatment not covered by your policy, your insurer can repudiate your claim. Claim repudiation indicates that your insurer has no liability to pay for your claim and may even take legal action against you or your healthcare provider if any fraud or misrepresentation is involved.

What Is Claim Rejection In Health Insurance?

Claim rejection in health insurance means your insurer has not processed your claim. This usually happens when there are technical errors or discrepancies in your claim submission, such as incomplete documents, delayed reporting, incorrect information, etc. For example, if you fail to submit the required documents within the specified time limit or provide wrong details about your age, occupation, medical history, etc., your insurer can reject your claim. Claim rejection means that your insurer has not evaluated your claim on its merits and may allow you to rectify the errors and reapply for the claim.

What Is The Difference Between Claim Repudiation And Claim Rejection In Health Insurance?

The main difference between claim repudiation and claim rejection in health insurance is that claim repudiation is a final decision based on the policy terms and conditions. In contrast, claim rejection is a preliminary decision based on the claim submission process. Claim repudiation implies that your insurer has no obligation to pay for your claim. In contrast, claim rejection means that your insurer has not assessed your claim yet. Claim repudiation can have serious legal consequences, while claim rejection can be resolved by providing correct and complete information.

What To Do If Your Health Insurance Claim Is Repudiated Or Rejected?

You should not lose hope if your health insurance claim is repudiated or rejected. You can take some steps to challenge or reverse your insurer’s decision. Here are some tips:

– Read your policy document carefully and understand the terms and conditions of your coverage. Check for any exclusions, limitations, waiting periods, co-payments, deductibles, etc., that may affect your claim.

– Contact your insurer and ask why your claim was repudiated or rejected. Request a written explanation & a copy of the relevant documents.

– If you perceive an error or unfair treatment by your insurance provider, you can complain to their grievance redressal officer. Remember to include all pertinent documents and evidence to back up your argument.

– If unsatisfied with your insurer’s response, you can escalate the matter to the Insurance Ombudsman or the Consumer Forum. You can also take legal advice from a lawyer specializing in insurance matters.

– If feasible, engage in discussions with your insurance provider to arrive at a mutually agreeable resolution.


Claim repudiation and claim rejection are two different outcomes of your health insurance claim process that can affect your coverage and benefits. You should know the difference between them and what you can do if your claim is either repudiated or rejected. You should also read your policy document carefully & follow the guidelines for filing a claim to avoid any hassles or disputes with your insurer.

Policyholders can avoid claims repudiation and rejection by opting for a transparent and customer-centric healthcare plan like CarePal Secure. CarePal Secure’s focus on transparency can help ensure that policyholders are well-informed about their coverage, reducing the likelihood of claim repudiation due to fraudulent documentation or incorrect data.

Moreover, CarePal Secure’s customer-centric approach means that policyholders will likely receive the necessary support and guidance when submitting claims, which can help avoid technical errors leading to claim rejection.

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