What are ways that people invalidate their health insurance claims?
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Asked July 23, 2012
Invalidating your health insurance means that you have reported or performed something that was either false, or contrary to the terms of the policy. Under group insurance, the most common form of health insurance, there are only a limited number of ways to invalidate a claim or your policy, while a private individual health insurance policy will have rules which are quite a bit stricter. If your policy is for private health insurance, the best suggestion is to contact your agent or study your policy carefully, but even then the reasons will usually fall under one of the following categories.
- Activities - Risky behavior increases the risks faced by your insurance company. This might include things like skydiving, mountain climbing, or bungee jumping, among other things. You could call your insurance company and ask them for a list of activities which could void a health insurance claim.
- Behavior - Smoking or drinking may cause a claim to be invalidated if you indicated on your application that you do not do them. Similarly, any behavior which is almost certain to bring you harm, such as eating or drinking poisonous materials, could also cause the claim to be refused and your policy invalidated.
- Fraud - If you accidentally wrote down the wrong birthday on your application, your claim most likely will be accepted. If you had diabetes and indicated on your application that you did not, then your policy could be invalidated, or, at the very least, any claims related to diabetes could be denied. There are quite a few ways to commit insurance fraud, including filing a false claim. The best way to avoid this is to always provide information that is as accurate as you are able to provide.
Answered July 23, 2012 by Anonymous