What can a policyholder do if their claim is denied due to pre-existing conditions?

If a policyholder's claim is denied due to pre-existing conditions, one constructive action they can take is to submit additional documentation proving eligibility. This approach involves providing further evidence that may not have been initially considered and can strengthen their case for the claim. Additional documentation may include medical records, treatment history, or clarifications that support the claim, potentially altering the insurer's decision regarding the pre-existing condition stipulation.

This option is proactive and demonstrates the policyholder's understanding of their rights and the claims process. By engaging in this way, the policyholder opens a channel for communication with the insurer, which may lead to a revised evaluation of their claim and a possible reversal of the denial.