How to Write an Appeal Letter to Insurance Company

We take insurance policies to handle unseen and unpredicted situations that may befall on us unannounced. However, though we pay the insurance premium regularly, there are chances of our file for claims being denied by the insurance company. If you too have been denied of your claim to recover medical expenses, or accidental charges of your vehicle, write an appeal letter. It is your right to appeal against the decision. The insurance companies receive hundreds of such appeal letters daily and appealing is accepted.

Follow these instructions on how to write an appeal letter to insurance company:

• Whether your claim for medical, automobile or any other policy has been rejected, the company will send back the documents and the copies along with the reason of rejection. If it is the medical expenses, talk to the doctor who has treated you. The doctor will introduce you to his case manager. The manager is an experienced person in handling issues with the insurance company and you will get complete assistance from him. There are case managers to assist insured clients in other fields as well. Meet the concerned person for your automobile and other claims. Prepare a file of necessary documents that are essential in supporting your claims.
• Mention your insurance policy number and the case reference number in the letter. State that you are appealing against the denial of the claim for (insert the claim name). Include the reason why the company seems your case ineligible for the payment.
• State facts proving how the denial is wrong. If you have read the insurance clause thoroughly and you believe that your filed claim is right according to it, mention it. Though the company has legal experts with them, the reason for rejection may be due to some clerical error in inputing the code or the policy number. Such occasions are rare, but you should not leave any slightest of the chance.
• Hold your calm and don't use any language that may put you in trouble. You will not get success in the first attempt. Hence, keep proof of every correspondence you are making with the insurance company. It may come in use if there is a need to take legal steps.

Be it any reason to write the appeal letter to the insurance company, these tips can be applied for all of them.