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Do all the health insurance claims get approved? The answer is no, many persons who have taken health insurance find that their claims are denied by the insuring companies. Here are some pointers to make sure that the claim is not denied?

Give a real picture of your current health situation and if you have any pre-existing medical condition, disclose it to the insuring company. Health insurance firms generally do not insist on medical examination up to a certain age and expect the insurer to give accurate information about his health.

Most insurers have a minimum hospitalization period clause to initiate a claim, normally 24 hours. Conditions vary from company to company. If you are looking for health insurance it is advised to shop around and find the policy which offers such a facility.

With every health insurance insurer there is a clause which explicitly excludes any pre-existing diseases; however they may provide insurance for it if the policy is continued with them for more than a predefined period. Some diseases like cataract, hernia and sinusitis may be covered only after two years. If you have not been able to get pre-existing disease coverage due to continuing renewal of the policy, your claim may be denied.