A rejected health insurance claim can feel frustrating and confusing—especially during a time of need. But don’t worry, a rejection doesn’t always mean the end of the road. The first step is to understand the reason for the rejection. It could be due to incomplete documentation, a pre-existing condition not disclosed, a treatment not covered, or crossing policy limits. Carefully read the rejection letter and cross-check it with your policy terms. If you believe the rejection is unfair or a misunderstanding, you have the right to file an appeal. Submit a written complaint with supporting medical documents, bills, and a clear explanation. Keep communication with your insurer polite and professional, and ask for an acknowledgment of your grievance. If the issue still isn’t resolved, you can escalate it to the Insurance Ombudsman or the IRDAI Grievance Cell for further review. Remember, knowing your policy and keeping all medical records organized can help you avoid rejection in the first place. At Apna Ashiana, we guide families not only in choosing the right policy but also in understanding how to handle claims confidently.