Definitions #
When an insurance company refuses to pay a healthcare claim submitted by a provider, often due to errors, lack of authorization, or medical necessity issues.
Technical An insurer's refusal to reimburse a submitted medical claim, based on payer-specific rules such as coding errors, missing documentation, or failure to meet medical necessity criteria.
Example The hospital's billing team appealed the claim denial because the insurer wrongly cited lack of pre-authorization.
Collocations #
- claim denial reason code 标准化代码,说明拒绝原因(如 CO-16)
- denial management 系统性流程,识别、分析和预防拒赔
- appeal a denial 提交上诉请求,要求保险公司重新审查
- initial denial rate 首次提交被拒赔的比例(KPI)
Real Business Examples #
- The claim denial letter cited missing prior authorization for the MRI procedure.
- We reduced our initial denial rate by 15% after implementing automated eligibility checks.
- The patient's appeal overturned the claim denial due to timely filing exception.
Register & Variants #
- Register: formal
- BrE/AmE: 全球通用
Synonyms & Antonyms #
- Synonyms: claim rejection, insurer refusal
- Antonyms: claim approval, claim payment
Common Errors #
- 认为 denial 等于 rejection,两者可互换 在保险语境中,denial 指拒赔决定,rejection 有时指提交格式错误被拒收;应区分开
- 错过 appeal deadline 而不及时行动 通常必须在上次决定后 30-180 天内提出上诉,逾期可能丧失权利
Confusable Terms #
- Claim Rejection vs Claim Denial
- 通常指因格式或技术问题被拒收,未进入医学审查阶段
- Appeal vs Claim Denial
- 是拒赔后的补救流程,不是拒赔本身
Frequently Asked Questions
什么原因最常见??
编码错误、缺乏预授权、医疗必要性不充分、文件不完整
上诉期通常多长??
视保险公司而定,一般在拒赔信上注明,通常 90 天或 180 天内
Published: 2026-09-24 Category: Medical Billing