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Why Insurance Claims Get Rejected (And How to Make Sure Yours Doesn’t)

Claims can be declined or delayed where the event is outside cover, material information was not disclosed, premiums or cover were not in force, or required evidence is missing.

What to check

Review the stated reason against the proposal, policy schedule, exclusions, payment history and submitted documents. Ask for the decision in writing.

What could change the answer

Not every delay is a rejection, and not every rejection is correct. NIIRA 2025 and NAICOM’s complaints processes provide a regulatory framework for claims handling.

A practical next step

Reply with the missing evidence or a focused written challenge, then escalate through the insurer and NAICOM if the issue remains unresolved.

Reviewed 2026-09-09