# Why Your Insurance Claim Might Be Rejected (And How to Ensure 100% Payout) | Paisa Vaisa

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Text version: https://stenobird.com/podcast/paisa-vaisa-with-anupam-gupta-1043050/why-your-insurance-claim-might-be-rejected-and-how-to-ensure-100-payout-paisa-vaisa.md
Podcast: [Paisa Vaisa with Anupam Gupta](https://stenobird.com/podcast/paisa-vaisa-with-anupam-gupta-1043050)
Published: 2026-01-19T00:30:00+00:00
Episode link: https://omny.fm/shows/paisa-vaisa-with-anupam-gupta/why-your-insurance-claim-might-be-rejected-and-how-to-ensure-100-payout-paisa-vaisa
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Duration seconds: 2931

## Resource

Is your health insurance actually working for you, or are you just paying premiums? In this episode of Paisa Vaisa, host Anupam Gupta sits down with Mayank Bathwal, CEO of Aditya Birla Health Insurance, to demystify the complex world of Indian health insurance. From the "Missing Middle" population to the rise of wellness-linked policies, we explore how the industry is changing and how you can benefit. In this video, you will learn: The Reality of Claims: Why 15% to 20% of claims are linked to fraud, waste, or abuse, and how this impacts your premium costs. Reimbursement Red Flags: What a "360-degree investigation" is and why reimbursement cases invite more scrutiny than cashless ones. The Cashless Advantage: Why cashless settlement is significantly higher in some states but struggles in places like Gujarat and Maharashtra. Earning Your Premium Back: How you can literally get 100% of your premium back by maintaining a healthy lifestyle and tracking your steps. Pro-Tips for Claims: The one thing you MUST do yourself when filing an application to ensure your claim never gets rejected. Don't miss the insights on the future of Health Tech, AI, and how a personal health coach provided by your insurer can help you reverse lifestyle diseases. From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram See omnystudio.com/listener for privacy information.

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## Transcript

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