దేశంలో ఇన్స్యూరెన్స్ పాలసీ క్లెయిమ్స్ పరిస్థితి చాలా దారుణంగా ఉందని “లోకల్ సర్కిల్ సర్వే “ అంటోంది

Описание: A March 2026 LocalCircles survey of over 54,000 health insurance policyholders across 323 Indian districts reveals significant consumer distress, with over 4 in 10 respondents reporting claim rejections or partial approvals for invalid reasons. Furthermore, 5 in 10 claimants experienced delays of 6–48 hours for claim approval and discharge, while premiums have risen by 50–200% over the last three years.

Key Survey Findings (March 2026):
Claim Rejections/Partial Approvals: More than 40% of claimants reported that their claims were rejected or only partially approved by insurance companies.
Approval Delays: 50% of policyholders experienced delays of 6 to 48 hours for final approval during discharge.
Rising Costs: 7 in 10 policyholders saw their premiums increase by 50–200% over the last three years.
Consumer Sentiment: Many policyholders feel they are paying more for less coverage, with a 41% increase in health insurance complaints in FY2025.
Data Transparency: 93% of respondents support mandatory disclosure of detailed claim/cancellation data by insurance companies on their websites.

Common Issues Cited:
Pre-existing Conditions: Frequent rejections based on, often disputed, pre-existing disease clauses.
Complex Process: Delays in, or confusion surrounding, the cashless claim process.
Documentation Hurdles: Challenges in getting claims processed, leading to long, stressful wait times at hospitals.

The survey highlights a growing disparity between rising costs and the quality of service, with many consumers facing financial stress due to both high premiums and non-settlement of claims