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In India, one in every four people loses their life to heart-related diseases, while three out of five cancer patients do not survive, and millions more battle diabetes, TB, and severe lung diseases — yet even after buying health insurance, getting a claim approved remains a daily struggle. In 2024, only 82 out of 100 people received their health insurance claims, and in 2025, complaints related to claim rejections, delays, and partial settlements jumped by a shocking 41%. From hidden policy clauses and rising premiums to cashless treatment myths, hospital bills, and endless paperwork, this video explains why health insurance claims get rejected and what you must check before buying a policy — including claim settlement ratio, room rent limits, waiting periods, co-payment, exclusions, and network hospitals — so that when illness strikes, you don’t have to fight a second battle just to get your own money back.
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Production: Shruti
Video Editor: Ved
