Because once you do, you’ll never fall for a wrongful rejection again.
Insurance companies are built on paperwork. Policies, clauses, sub-clauses, and terms—many of which are designed to confuse you, not protect you.
Most people never fully read their policies. And those who try often find themselves lost in a sea of jargon like:
➡️ Pre-existing condition
➡️ Material misrepresentation
➡️ Reasonable and customary charges
➡️ Force majeure
➡️ Exclusions
➡️ Indemnity limits
Let’s be real—this isn’t by accident.
It’s by design.
At iClaimSupport, we decode the fine print for you, and against insurers who misuse it.
🧠 Why Understanding the Fine Print Matters
A single misunderstood term can lead to:
- A valid claim being denied
- A much lower payout than you deserve
- A delayed process that costs you time, money, and peace of mind
Insurers often use these terms to shift the blame back to you:
“You didn’t disclose this.”
“That wasn’t covered.”
“This falls under an exclusion.”
“It’s outside the indemnity cap.”
Translation?
We found a technical way to not pay you.
🚨 5 Common Insurance Terms They Use Against You (and What They Actually Mean)
1. Material Misrepresentation
They’ll say you “withheld key information.” But what qualifies as “material”? It’s often vague, and we’ve successfully challenged dozens of such rejections.
2. Reasonable and Customary
Used in health insurance to cap reimbursement on treatments. The problem? It’s based on arbitrary internal benchmarks, not actual medical bills.
3. Exclusions
This is where they hide the “gotchas.” Some policies exclude entire categories like natural disasters, dental surgery, or even theft. We help interpret and challenge these when misapplied.
4. Pre-Existing Conditions
Often invoked in health claims—even when the condition was undiagnosed. We use medical records and interpretation to push back.
5. Force Majeure
Popular after COVID, this is a way to deny claims due to “unforeseeable events.” But that doesn’t give them a blanket right. We analyze whether it’s actually enforceable.
🛡️ How We Help You Cut Through the Fog
At iClaimSupport, we go clause-by-clause through your insurance policy and:
✅ Translate every confusing term
✅ Assess how it was applied to your claim
✅ Identify if the term was misused
✅ Draft a response to challenge wrongful interpretation
We’ve helped clients overturn denials that were based on pure wordplay—and nothing else.
🧾 Real Case, Real Result:
Claim Denied: Health insurance rejection due to “non-disclosure of prior ailment.”
Reality: The ailment wasn’t diagnosed at the time of policy issuance.
What We Did:
- Obtained diagnostic history from hospitals
- Cited IRDAI norms on non-disclosure
- Sent a response with documentation
Outcome: Claim fully paid within 3 weeks.
⚖️ Insurance Is a Contract—Not a Puzzle
You shouldn’t need a law degree to understand your insurance policy.
But unfortunately, that’s the game insurers play.
And that’s why we exist.
