Common Claim Mistakes

Common Reasons for Insurance Claim Rejections

Many claims are rejected due to non-disclosure, underinsurance, or incomplete documentation.

Claim rejections often arise from preventable issues.

Top Reasons:

1. Non-disclosure at proposal stage

2. Underinsurance & Average Clause

3. Policy exclusions not understood

4. Late claim intimation

5. Incomplete documentation

6. Warranty breach

7. Misclassification of assets

8. Coverage mismatch

9. Incorrect sum insured basis

10. Procedural non-compliance

Preventive Strategy:

At SKD, we conduct:
• Policy wording review before binding
• Sum insured validation exercises
• Risk engineering coordination
• Periodic compliance reminders

The objective is to eliminate technical vulnerabilities before they become claim disputes.