27 November 2025

Описание: A recent client’s claim was denied due to liver cirrhosis from alcohol consumption. Many don’t realize that health insurance companies can reject claims if the ROOT CAUSE of your condition is intoxicating substances.
🚫 High-Risk Conditions:
• Liver cirrhosis (from alcohol)
• Kidney failure (substance abuse)
• Lung cancer (excessive smoking)
If your diagnosis is directly linked to alcohol, drugs, or smoking, insurers may invoke the “intoxicating substance clause” and deny your claim.
#insurancetips #insuranceclaims #livercirrhosis #claimrejection