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7 Tips for Writing an Insurance Appeal Letter

We have put up a insurance appeal letter writing tips specially designed to guide you.

  • Be ProfessionalKeep your appeal as professional as possible. Stay away from angry or threatening words or phrases, and use polite words like “reconsider” when asking an insurance company for the assessment of your claim.
  • Format and languageAppeal letters are used to put across a writer’s point of view. Hence, the language used in the letter should be able to convince the reader to accept the writer’s appeal. Use a concise appropriate subject line.
  • Your identificationIntroduce yourself with your policy number, group number, claim number or the other codes of identification to help the concerned department recognizing you.This would indicate the reference numbers, previous photocopies, supporting documents etc. to be briefed up.
  • SalutationUse appropriate salutations such as Dear Mr./Ms. (last name), when name of the addressee is known. In all other cases, use Dear Sir/Madam.
  • Body of the letterStart your request by mentioning the nature of your appeal and a brief description on the reasons as to why you are making the appeal to the concerned authorities.Elaborate the reasons of appeal in second paragraph. You may also write down the efforts being taken by you to cope up with the problem.In the last paragraph clearly state how the acceptance of appeal can benefit you and be open to discuss the appeal personally, if required.
  • Specify the reasonSpecify information based on facts. Mention why you believe the decision was wrong and treatment should be provided.What you are actually asking the insurance company to do is to ask the insurer about reconsidering the denial and approve coverage for the procedure in a timely manner.
  • Conclude the appeal letterClose your request by thanking the addressee in advance or for sparing some quality time to go through your letter. Use ‘Sincerely’, followed by your name and signature.

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