<h1>Avoid Health Insurance Claim Denials: Check Coverage, Waiting Periods, Exclusions, Disclosures, Lifetime Renewability and No-Claim Benefits</h1> The article highlights legal risks and consumer-protection issues when purchasing health insurance: buyers must assess coverage needs, understand waiting periods, exclusions, sub-limits, co-payments and network hospital arrangements, and disclose pre-existing conditions truthfully to avoid claim denials or policy cancellations. It warns against selecting policies solely by low premium without reviewing contract terms, and emphasizes the importance of lifetime renewability and benefits like no-claim bonuses for long-term protection. Legally, prospective insureds should read policy documents carefully, seek clear disclosures from insurers or intermediaries, and document representations to reduce dispute and denial risk.