Most health insurance claims are held back due to one reason or the other. But, according to insurers, the primary cause of discord is incomplete sharing of information at the time of taking the policy. Says Mukesh Kumar, executive director, HDFC ERGO General Insurance: “You need to submit all bills, receipts, prescriptions, reports and other documents to the insurer in case of reimbursement claims.” Documentation aside, the problem stems from the long list of exclusions that are listed in a policy, which more often than not is not read or understood. There are other factors that can impact your claim as well. For instance, there are sub-limits and caps when it comes to health insurance policies. Sub-limits are what the policy will pay for, say, an ambulance service or room rents, and capping is the maximum it would pay for such facilities. Some insurers even have disease specific sub-limits and capping, and one should definitely read the policy before signing up for it. In fact, for these very reasons, never take an insurance policy only based on the premiums that you need to pay. While a policy may seem inexpensive on the face of it, you will land up paying a huge price at the time of a claim, which is when you really need the policy to work.