Claim Denied? Reasons Why Insurers Say NO

Undisclosed Medical History

Hiding existing illnesses can cause denial. Always declare pre-existing conditions before buying your policy.

Missing Evidence & Documents

No police report for theft? No hospital bills? Insurers may not pay if you don’t have official paperwork proving your lo

Filing Your Claim Too Late

Insurers have strict deadlines. Report emergencies and thefts to them immediately to avoid an automatic rejection.

Ignoring Travel Advisories

Travelling to a destination with an active government "do not travel" warning automatically voids most insurance cover.

Expenses Arising from Reckless Behaviour

Claims are almost always denied if you were under the influence of drugs or alcohol when the injury or loss occurred.

Unauthorised Medical Care

Treatment received from unauthorised healthcare facilities may result in the claim being rejected.

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