If you’re disappointed with the outcome of your claim, don’t worry — you have the right to appeal the decision. Here’s everything you need to know about the process.
When to Appeal
You should consider submitting an appeal if:
The claim decision doesn’t align with your plan coverage.
You have new documents that directly address the reason for denial.
👉 If you’re unsure whether to appeal, contact our Customer Care team for guidance.
Appeal Deadline
Appeals must be submitted within 6 months (180 days) from the date you received your decision.
Documentation Requirements
To strengthen your appeal:
Ensure all documents are clear, relevant, and specific to the denial reason.
Do not resubmit documents already provided.
Steps to Prepare Your Appeal
Plan number – Have your plan number (NI-xxxxxxxxx) ready.
Claim number – Include the specific claim number (CLMxxxxxxxxx) from your decision letter.
Supporting documents – Gather any new evidence that supports your case.
How to Submit Your Appeal
Complete and submit the appeal form.
Once submitted, you’ll receive a confirmation email.
Review Timeline
Most appeals are reviewed within 3 weeks.
Some cases requiring additional investigation (e.g., local law inquiries) may take longer.
Appeal Limits
You can appeal a claim decision up to two times.
Need Help?
Just reach out to our Customer Care Team if you have any further questions. We’d be happy to help!