Health Insurance Appeal Letter


The cost of availing health services and medicines is quite high in the society we live in today. Therefore most people rely on health insurance to cover their health expenditures. In a time of critical necessity, it is important to write a Health Insurance Appeal Letter to the concerned insurer to request them to cover the expense of the medical procedure concerned. Such letters are written on a daily basis by the insured to the insurer seeking their help in covering the expenditure in medical costs for which they have paid the annual premium.

A few things need to be kept in mind while writing such a letter. The letter must be written in a polite manner. Do use a firm tone while pleading your case but do not sound too authoritative. Use formal language that is devoid of any spelling or grammatical mistakes. Also, remember to furnish all necessary details of the illness that requires the medical procedure, the time of notification sent to the insurer, insurance number, installments of premiums paid, etc.

Sample Letter:

Following is a sample of Health Insurance Appeal Letter.



800, A-11, Casa Isles
Jaypee Wish Town
Sector 128, Noida
Uttar Pradesh 201303

May 13th, 2017


The Manager,
General Shompo Insurance,
Kasturba Gandhi Marg
Rohini, New Delhi 110058

SUBJECT: Health Insurance Appeal

Dear Mr. Singh,

I must notify you with sorrow that the health of my friend has further deteriorated from our last conversation regarding his current medical condition. He is unable to write to you owing to the same. The doctors have advised immediate surgical procedure to remove his appendix. Failure to do the same might result in his appendix bursting within his body. The hospital has given an estimate of Rs. 100,000 for the same. My friend, Mr. Atul Srivastava, is currently unable to bear the expense.

As I have been given to understand and as was stated by you in our previous conversation, my friend has paid all his installment premiums timely during all annual dues. He has been constant in payment of all additional dues as well. Now he is in dire need of your help to be able to undergo this above mentioned surgical procedure to be fit again. Kindly reply at the earliest and see to it that his medical expenses are covered by his insurance with your company. I have enclosed all details of his insurance particulars including insurance number, doctor’s advice, hospital estimate.

Looking forward to a timely affirmative reply from you.


Amishent Patel
(on behalf of Mr. Atul Srivastava)

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