Make sure claims get paid

Insurance only helps if the claim is paid. Most rejected claims come from avoidable mistakes:

• Tell the truth on the application, including health conditions. Hiding something can void the policy.
• Read the exclusions before you sign.
• Tell your family what cover you have and where the documents are.
• Report claims quickly and keep copies of everything.
• Buy only from companies licensed by the Insurance Regulatory Authority (IRA).

If a claim is unfairly delayed or rejected, you can complain to the insurer and then to the IRA.