Why your health insurance claim may be rejected and what you need to watch for

When Mumbai resident Parth Nagda’s father was hospitalised for heart ailment in 2025, he was not worried about the expenses as his family floater plan covered his parents. However, his health insurer rejected the claim, citing non-disclosure of pre-existing chronic kidney disease.

“My father never had kidney-related issues until then. The nephrologist had merely flagged the high creatinine levels (an indicator of kidney function) at the time of admission,” explains Nagda.