1. Why do insurance companies reject applications in the first place?

There are three main categories of rejections:

A) Formal rejection

If something is missing, unclear, or implausible, then something is missing.

Examples:

• "missing documents"

• "not reported in time"

• "no evidence of cause"

These rejections are often reversible once additional documents are submitted.

B) Legal/contractual rejection

This concerns clauses, e.g.:

• uninsured risk

• exclusion

• not an insured event

• Incorrect category (e.g., buildings instead of household goods)

Often a matter of interpretation , depending on the tariff.

C) Medical-technical rejection (e.g. accident & occupational disability)

Then it gets more technical, e.g.:

• no typical accident sequence

• no permanent damage

• pre-existing conditions

• Participation

An external audit is almost always worthwhile in these cases.

2. Which sentence structures should you know?

If you read one of these, you'll know where this is headed:

❗ “Not an insured event” → Tariff issue
❗ “Exclusion according to § …” → Contract clause
❗ “Cooperation” → in case of disability/accident
❗ “Proof not provided” → Documents missing
❗ “Not reported immediately” → Deadlines
❗ “Intent” → Liability
❗ “No prospect of success” → Legal expenses insurance

Many of them are vulnerable – but only with structure.

3. What you should do first after a rejection

No romance here, just a clean plan:

1. Photograph/scan the rejection

Important: entire text , including the back.

2. Clarify the type of damage

What was it?

• Burglary

• Water damage

• Accident

• Liability

• Legal protection

• Illness/Disability

Each category has different rules.

3. Identify the affected insurance company

Home contents insurance? Liability insurance? Building insurance? Legal expenses insurance? Disability insurance?

Many people confuse this → it leads to false expectations.

4. Check deadlines

Crazy, but true:

➡ Some appeals have deadlines.

Legal protection = often 3 months.
Disability insurance = also deadlines for subsequent notification.

4. When is a rejection correct?

Correct means: contractually sound and properly justified .

Examples:

✔ Simple theft only → not burglary
✔ Key on the table → no forced entry
✔ Planned surgery was prior to the contract → pre-existing condition
✔ Legal dispute began before the contract was signed → pre-contractual

Then there is little room for maneuver – but there are exceptions .

5. When is a rejection wrong or questionable?

This is where the "exciting" part begins.

Rejections are often wrong when:

✔ Wrong type of insurance was chosen
✔ Incorrect statements about terms and conditions are included
✔ Deadlines were applied incorrectly
✔ Diagnoses were interpreted differently
✔ Burglary was classified as "simple theft"
✔ Evidence is actually sufficient
✔ Opposing party was poorly identified
✔ Medical reports are missing
✔ Damage amount was incorrectly estimated

We see this all the time.

6. What you should never do

Three mistakes cost people thousands of euros every year:

❌ Mistake 1: Accepting a rejection without checking it

Insurance companies factor this into their calculations.

❌ Mistake 2: Responding emotionally

“That’s outrageous!” achieves exactly 0.

❌ Mistake 3: Ignoring rejection

Then deadlines expire and it's over.

7. Mini-objection without legal drama (for 90% of cases)

You can send this sentence respectfully and objectively :

"Please provide me with the specific clause, including the relevant section, from the insurance terms and conditions on which the rejection is based, as well as the exact date of the accepted claim.
Furthermore, please inform me which documents are still required for the review."

This text triggers two things:

1. The insurance company must define the case.

2. The insurance company must provide a more detailed explanation.

Many rejections fall apart at this point.

8. When is professional help worthwhile?

To be honest: not always.
But it's especially worthwhile in the following cases:

✔ Burglary vs. Theft
✔ Water Damage vs. Tap Water
✔ Employment Law (Legal Expenses Insurance)
✔ Pre-existing Conditions (Disability/Accident)
✔ Liability with Allegation of Intentional Malpractice
✔ Contributory Negligence (Disability/Accident)
✔ Medical Disputes

This is not about "paper," but about interpretation and expert opinions .

Conclusion – without fabric softener

A rejection does not mean:

❌ "You won't get any money"
❌ "The insurance company is right"
❌ "Case closed"

But mostly:

➡ “We’ll try it without payment first.”

There are reasons for it, but also ways to counteract it.

📲 Have the rejection checked via WhatsApp

If you are unsure about the accuracy:

• Rejection photographing

• Briefly explain what happened

• Include the policy/contract number

Upload here: 015771621006

We'll tell you:

✔ Is it correct
? ✔ Is an appeal worthwhile?
✔ What additional information can you provide?
✔ What deadlines apply
? ✔ How can you argue your case?

No legal drama. No insurance jargon.