Life insurance ek aisa promise hota hai jo hum apni family ke future ke liye karte hain. Jab hum policy lete hain, tab sochte hain ki “agar mere saath kuch bhi ho jaata hai, to meri family financially secure rahegi.” Lekin jab claim reject ho jaata hai, tab sirf paison ka nuksaan nahi hota, balki bharose ka bhi nuksaan hota hai.
Isliye yeh samajhna bahut zaroori hai ki life insurance claim reject kyun hota hai, taaki aap ya aapki family ko future me kisi bhi tarah ki problem ka saamna na karna pade.
Is blog me main aapko life insurance claim rejected hone ke main reasons simple aur Hinglish language me samjhaunga, taaki aap aware rahein aur sahi planning kar sakein.
1. Non-Disclosure ya Galat Information Dena
Life insurance claim rejection ka sabse bada reason hota hai non-disclosure, yaani policy lete waqt important information chhupana.
👉 Jaise:
Smoking ya tobacco habit chhupana
Alcohol consumption hide karna
Pehle se koi serious illness (BP, diabetes, heart problem) na batana
Pehle li gayi policies ka detail na dena
Insurance company underwriting ke time aapki information par depend karti hai. Agar baad me claim ke time yeh pata chalta hai ki information galat thi ya incomplete thi, to claim reject ho sakta hai.
Lesson:
Policy lete waqt sach bolna hi sabse sasti aur safest planning hoti hai.
2. Policy Lapse Hone Ke Baad Death
Agar policy ka premium time par pay nahi hua aur policy lapse ho gayi, to death ke baad claim payable nahi hota.
Bahut log yeh sochte hain ki “thoda late bhar denge” ya “agle mahine de denge”, lekin isi choti si galti ka nateeja bahut bada ho sakta hai.
👉 Lapse policy me:
Death claim reject ho jaata hai
Sirf revival ke baad hi protection milti hai
Lesson:
Premium payment ko kabhi bhi lightly na lein. Auto-debit aur reminder ka use karein.
3. Suicide Clause (Initial Period)
Almost sabhi life insurance policies me suicide clause hota hai. Agar policy ke initial 12 ya 24 months ke andar suicide hota hai, to full claim amount payable nahi hota.
👉 Is case me:
Sirf premium refund ho sakta hai
Sum assured ka benefit nahi milta
Lesson:
Policy document ko dhyaan se padhein aur family ko bhi basic rules samjha dein.
4. Nominee Details Galat Ya Update Na Karna
Bahut se log policy lete waqt nominee ka naam daalte hain, lekin baad me:
Shaadi ho jaati hai
Bachche ho jaate hain
Ya nominee ki death ho jaati hai
Aur nominee update nahi karte. Claim ke time yahi cheez dispute create karti hai aur claim delay ya reject bhi ho sakta hai.
Lesson:
Life ke har major stage par nominee update karna bahut zaroori hai.
5. Policy Terms & Conditions Follow Na Karna
Har policy ke apne terms & conditions hote hain. Agar unka violation hota hai, to claim reject ho sakta hai.
👉 Jaise:
Risky activities ka non-disclosure
Policy exclusions ko ignore karna
Fraud ya false documents submit karna
Insurance company investigation karti hai, especially early claims me.
Lesson:
Policy sirf lena hi kaafi nahi, use samajhna bhi zaroori hai.
6. Early Claim (Initial Years Me Death)
Agar policy ke first 2–3 saal ke andar death ho jaati hai, to claim ko early claim maana jaata hai. Is case me insurance company detailed investigation karti hai.
Agar koi bhi mismatch milta hai:
Medical history
Income proof
Proposal form details
To claim reject hone ka risk badh jaata hai.
Lesson:
Proposal form ko khud bharein, bina samjhe sign na karein.
7. Income Proof Ya Financial Misrepresentation
Agar policy lete waqt income zyada dikha di gayi ho aur actual income match na kare, to insurance company claim ke time is par objection raise kar sakti hai.
👉 Result:
Claim amount reduce ho sakta hai
Ya claim reject bhi ho sakta hai
Lesson:
Insurance planning hamesha income ke hisaab se karein, over-insurance se bachein.
8. Death Cause Policy Coverage Ke Bahar Hona
Kuch deaths policy exclusions me aati hain, jaise:
Illegal activities
Criminal acts
War-related reasons
In cases me claim reject ho sakta hai.
Lesson:
Policy exclusions ko clearly samajhna zaroori hai.
9. Claim Documents Incomplete Ya Delay
Bahut baar claim reject nahi hota, balki documents incomplete hone ki wajah se delay ya deny ho jaata hai.
👉 Jaise:
Death certificate
Policy bond
ID proof
Medical reports
Lesson:
Documents ko systematically submit karein aur professional guidance lein.
10. Galat Guidance Ya Agent Ki Laparwahi
Kai baar policy galat suggest ho jaati hai ya proposal form agent bhar deta hai bina sahi explanation ke. Iska nuksaan ultimately customer ko hota hai.
Lesson:
Hamesha trusted aur experienced advisor ke saath hi insurance planning karein.
Emotional Reality
Sochiye, jab family apne sabse important member ko kho chuki hoti hai, aur us waqt agar claim reject ho jaaye, to dard aur stress dono badh jaate hain. Life insurance ka purpose hi family ko stress-free future dena hota hai, na ki unhe legal aur financial fight me daalna.
Conclusion
Life insurance claim rejection zyada tar galtiyon aur awareness ki kami ki wajah se hota hai. Agar aap:
Sahi information dete hain
Policy active rakhte hain
Nominee update karte hain
Policy ko samajhkar lete hain
To claim rejection ka risk kaafi had tak kam ho jaata hai.
Call To Action (CTA)
Agar aap chahte hain ki aapki life insurance policy future me 100% safe aur claim-friendly ho, ya aap apni existing policy ka review karwana chahte hain, to aaj hi connect karein.
📞 Call / WhatsApp:
9828418672 | 8949846892
📧 Email:
ajay96890@gmail.com
Main aapko sahi guidance ke saath aisi insurance planning karne me madad karunga, jisme aapki family ko claim rejection ka dar na rahe.
Yaad rakhiye:
Life insurance sirf policy nahi, parivaar ke future ka bharosa hota hai.
