In 2021, there was an incident where the insurance company denied a claim: Philip was hospitalized for nephrotic syndrome and due to an oversight, the doctor mistakenly wrote "sick for about 15 days" instead of "sick for more than 15 years". This action led to a denial of the claim to the insurance company, and after several failed attempts to explain to the insurance company, the family had no choice but to take the insurance company and the hospital to court.

Fortunately, after a few twists and turns, the Phillips family finally got their claim paid. Many people would be surprised to see this case: How can an insurance company deny a claim for a minor mistake? The truth is that most insurance companies often deny claims for very minor things, and this practice has caused inconvenience to many consumers. However, is it true that insurance companies deny claims because they don't want to pay, and is it really because they are unreliable?

When you have an unfortunate accident, your greatest fear is to be denied a claim by your insurance company. This article summarizes the cases of past claims and compiles some common reasons for the denial of claims. Failure to inform the insured is the main reason for the denial of insurance claims. Some insured people choose to conceal their physical condition when filling out the health notification questionnaire when purchasing life insurance. There are even some policyholders who deliberately conceal their illnesses to cheat on their insurance when they have them. When the policyholder does not tell the truth about his or her health, the insurance company will simply refuse to settle the claim. When taking out an insurance policy, the insurance company will usually ask about our health condition, which is also known as health notification. If you take out an insurance policy without reading the health notice, or if you conceal the situation when it comes to the health notice, the insurance company will probably not pay out even if you have an accident. If you are insured during the waiting period, you will not be able to receive a claim from the insurance company.

Insurance generally doesn't pay out for illnesses that occur during the waiting period. This is a tricky issue if you have a medical condition, but have only detected an abnormality in your medical examination and have not been formally diagnosed with the disease. Since this is a complex situation and may have some impact on the claim, you need to analyze the response depending on your specific situation. For example, if you are physically examined for a lung nodule and hospitalized for surgery during the waiting period, this expense for hospitalization and surgery will not be reimbursed. Life insurance, however, has little impact, and even if there are health abnormalities during the waiting period, death after the waiting period is usually reimbursed.

（Writer：Yoman）