Sample Letter of Reconsideration for Insurance Claims: Tips and Examples

We’ve all been there – receiving a denial letter for an insurance claim we thought was a sure thing. It can be frustrating, stressful, and sometimes even overwhelming. But what if we told you that there is a way to challenge that decision and get the coverage you deserve? Enter the sample letter of reconsideration for insurance claims. This powerful tool can help you articulate your case to your insurance provider and potentially receive the coverage you were denied. And the best part is, you don’t have to start from scratch. You can easily find examples online and edit them to fit your specific situation. So don’t give up on your claim just yet. Read on to learn more about the letter of reconsideration and how it can help you get the coverage you need.

The Best Structure for a Reconsideration Letter for Insurance Claims

If you’ve had a medical issue that you’ve filed an insurance claim for, but the claim was denied, it’s natural to feel frustrated and disappointed. However, it’s important to know that insurance companies sometimes make errors or miss important information when they review claims. This is why writing a reconsideration letter for insurance claims is so important. Here’s how to structure your letter.

The First Paragraph

In the first paragraph of your letter, you should introduce yourself and explain the reason for your letter. Be clear and concise about the fact that you’re writing to request that your claim be reconsidered. It’s also a good idea to reinforce the importance of your medical issue and the fact that you’re being proactive in pursuing further action.

The Second Paragraph

The second paragraph of your letter should be where you lay out the facts of your medical situation. This should include a clear and detailed explanation of what happened, what treatment you received, and why you believe that your insurance company’s initial decision was incorrect. Be as specific as possible, and include any relevant medical documentation or records that support your case.

The Third Paragraph

In the third paragraph of your letter, it’s a good idea to address any concerns or objections that the insurance company may have raised about your claim. Be sure to address these points directly and provide any additional information or clarification that might be helpful. You should also take this opportunity to offer any solutions or compromises that might be helpful in resolving the issue.

The Closing Paragraph

The closing paragraph of your letter should reiterate your request for reconsideration and express your appreciation for the insurance company’s time and attention. It’s also a good idea to include your contact information, in case they have any further questions or need to follow up with you.

Overall, your reconsideration letter for insurance claims should be well-structured, well-written, and persuasive. By following this basic structure, you can increase your chances of having your claim reconsidered and ultimately approved.

Sample Letter of Reconsideration for Denied Insurance Claim due to Medical Necessity


It is with great sadness that I received the letter denying my insurance claim for the medical procedure I had last month. As someone who has been paying for insurance premiums for years, I was hoping that my claim would be granted. I am writing this letter to appeal the decision and to explain why the procedure was medically necessary.

The procedure I had was recommended by my doctor, who has been monitoring my condition closely for months. I have been diagnosed with a rare form of cancer that requires immediate treatment. My doctor prescribed the procedure to remove the tumor, which was growing rapidly and was putting my life in danger. The procedure was the only option left to me, and my doctor assured me that it was the best course of action.

I understand that insurance companies have to protect themselves against fraudulent claims, but I hope that you can reconsider my case. The procedure was not something I chose to do for cosmetic reasons or out of vanity. It was a life-saving intervention that I needed to survive. Please look into my case once again and grant my claim so that I can focus on my recovery without worrying about the financial impact of the procedure.

Thank you for your time and consideration.


[Your Name]

Sample Letter of Reconsideration for Denied Insurance Claim due to Lack of Information

Dear Insurance Company,

I am writing to request a reconsideration of my denied insurance claim for the medical procedure I underwent last month. After receiving your letter stating the claim was denied due to insufficient information, I realized that my doctor’s office had neglected to submit certain documents.

I understand the insurance industry involves strict guidelines and procedures to follow. However, the lack of information was not the result of negligence on my part. My doctor’s office made an honest mistake, and we are prepared to provide you with the necessary documentation to support my claim.

The medical procedure I underwent was crucial for my health and wellbeing. I had been experiencing persistent pain that impacted my ability to perform regular activities. The treatment my doctor prescribed was the best option for my condition. The procedure helped me regain my mobility and alleviate the discomfort that had been unbearable for months.

Please reconsider my claim and accept the additional documents that I will provide on behalf of my doctor’s office. Your reconsideration and prompt action are much appreciated, and I trust we can resolve this matter quickly.

Thank you for your time and assistance.

Yours truly,

[Your Name]

Sample Letter of Reconsideration for Denied Car Insurance Claim due to Miscommunication

Dear Insurance Company,

I received a letter from your company stating that my claim for the car accident on June 1st had been denied. The reason for denial was that I had missed the deadline for filing the claim. However, I would like to clarify that this was due to a miscommunication with my insurance agent, and I would like to request a reconsideration of my claim.

On June 5th, I called my insurance agent to report the incident and file a claim. During the call, I explained that I had been hospitalized due to the injuries I suffered in the accident and that I was unable to provide all the necessary information immediately. My insurance agent assured me that I had time to send the accident report and medical records and that I would be reimbursed after the necessary paperwork was completed.

As a loyal customer for many years, I trusted and relied on my insurance company to honor that understanding. However, your letter denying my claim has made it clear that a misunderstanding occurred. I am willing to provide all necessary documents and data to support my claim, and I hope that you will reconsider your decision to deny my claim.

Thank you for your kind attention to my situation, and I look forward to hearing from you soon.

Sincerely yours,

[Your Name]

Sample Letter of Reconsideration for Denied Life Insurance Claim due to Health Information

Dear Insurance Company,

I am writing to appeal your decision to deny my claim for the life insurance policy I had. I received your letter stating my claim was denied based on health information. I would like to request a reconsideration of my claim.

I understand the importance of disclosing all my medical history when applying for an insurance policy. Still, I feel like some critical information regarding my health was miscommunicated, which led to the denial of my claim. The condition listed in the policy’s exclusion was something I had declared to my insurance agent, but it was not the primary reason for my death. The actual cause of death was related to the organ failure, not the pre-existing condition, and I believe this fact was not fully considered at the time of the decision.

Please reconsider my case, and I will be happy to provide additional medical records and statements from my doctors if required. I hope we can resolve this issue and get the benefits that my family and I are entitled to receive.

Thank you for your time and attention,

Best regards,

[Your Name]

Sample Letter of Reconsideration for Denied Car Insurance Claim due to Lack of Evidence


I am writing to request a reconsideration of my denied insurance claim for the car accident I was involved in. The claim for the damages to my vehicle was denied due to the lack of evidence of the other driver’s negligence. I know that the decision is based on evidence provided to the insurance company, and I believe I can provide further evidence that the other driver is entirely at fault.

The accident occurred on August 1st, when I was driving through an intersection with a green light. The other driver was turning left and failed to stop at the stop sign on their path. The collision caused significant damage to my vehicle, and I suffered personal injuries as well. Unfortunately, at the time, my phone camera was not working, and I could not take a photo of the other driver’s license plate, which is required to file a report with the police.

However, a witness who had been standing on the adjacent sidewalk made a statement to the police officer who showed up at the scene. I have obtained a copy of the police report, which includes contact information for the witness. I have submitted this information to the claim adjuster, but it seems to have gone unnoticed or has not been assessed as yet.

Therefore, I request your reconsideration of my case and the additional evidence I have provided. I appreciate your help in resolving this matter and hope to hear back from you soon.


[Your Name]

Sample Letter of Reconsideration for Denied Property Insurance Claim due to Conflict on Coverage

Dear Insurance Company,

I submitted a claim for damage to my property caused by the recent hurricane. However, I received a letter from your company stating that my claim was denied due to a conflict in coverage. I am writing to request a reconsideration of my claim.

As a long-time customer of your company, I understand the importance of being well-informed of the coverage for my policies. However, at the time of purchase, I was not adequately explained the specifics and details of the policy concerning the coverage I was seeking. Moreover, I was misguided that obtaining additional policies would enhance my protection and coverage.

The damage to my property was substantial and would have been extremely difficult for me to pay for out of pocket. I urge you to reconsider my case and seek a satisfactory resolution to the matter. I am willing to cooperate and provide all necessary documentation to support my claim.

Thank you for your understanding and cooperation.

Best regards,

[Your Name]

Sample Letter of Reconsideration for Denied Health Insurance Claim due to Incorrect Billing Code

Dear Insurance Company,

I am writing this letter to request a reconsideration for my denied insurance claim for the medical procedure I underwent last month. Your letter stated that the claim was denied due to an incorrect billing code. However, I believe there has been an honest mistake, and the correct code could make the difference in your decision.

The procedure was medically necessary due to my ongoing health condition which requires regular monitoring, and this was the most effective treatment prescribed by my doctor. The incorrect billing code should not have any bearing on determining the medical necessity of the procedure I had.

I would like to request your team to review my claim again. I have confirmed with my medical provider, who has assured me that the billing code will be corrected accordingly. If there is any additional information that you require, please don’t hesitate to ask. I respect the rigorous procedures that your company follows, and I hope to hear back from you soon.

Thank you for your time and consideration to my request.

Best regards,

[Your Name]

Tips for Writing a Convincing Letter of Reconsideration for Insurance Claims

A letter of reconsideration for insurance claims is a formal document that requests the insurance company to review their decision and reconsider their claim. If your insurance claim has been rejected, it is natural to feel disheartened, but there is no need to lose hope. You can appeal the rejection by writing a compelling letter of reconsideration. Below are some tips to help you write a convincing letter of reconsideration that increases the chances of success.

Firstly, do your research thoroughly. Understand why your claim was rejected, what is required for re-evaluation, and what specific documentation is needed to prove your claim. This information can be obtained by referring to your policy documents, reaching out to the customer service team, or consulting an insurance lawyer. Once you have all the information, leverage it to bolster your argument in the letter of reconsideration.

Secondly, be clear, precise, and honest in your writing. Express your thoughts succinctly, and do not try to beat around the bush. Focus on essential points, such as the rejection of your claim, the reason given for the rejection, and the supporting documentation that proves your claim. Remember to attach relevant documents to the letter; failing to do so can result in a delayed response or the rejection of your reconsideration request.

Thirdly, approach the letter as professionally as possible. Address the letter to the correct person or department, and ensure you include all necessary information, such as your claim number and policy number. Use proper salutations and close the letter politely, indicating that you look forward to hearing back soon. Even if you feel frustrated by the rejection of your claim, it is important not to vent or express your emotions excessively in the letter.

Lastly, be patient. Processing a reconsideration request takes time, and so it may be several weeks before you hear back from the insurance company. However, following up politely and in a timely manner can be beneficial, as it signals your commitment to your case. Consider calling the customer service center or sending a follow-up email if you do not hear back after a few weeks. It is essential to remain calm and diplomatic throughout the process to increase the chances of your claim being reconsidered.

In conclusion, writing a letter of reconsideration for insurance claims can be challenging, but if you follow the tips shared here, you can increase your chances of success. Research thoroughly, write a clear and concise letter, approach the letter professionally, and remain patient throughout the process. These simple steps can help to persuade the insurance company to reconsider their decision and get you the compensation you deserve.

Frequently Asked Questions

What is a sample letter of reconsideration for insurance claims?

A sample letter of reconsideration for insurance claims is a template letter that you can use to appeal a denial of a claim. It serves as a guide to structure and language, helping you craft a persuasive letter that can convince the insurance company to reconsider.

What should I include in my letter of reconsideration?

Your letter of reconsideration should include important details about your claim such as the policy number, date of claim, and a summary of what happened. You should explain why you believe the claim was unfairly denied and provide any additional evidence that supports your case.

Will sending a letter of reconsideration guarantee that my claim will be approved?

No, the insurance company is not obligated to reverse their decision. However, sending a well-crafted letter of reconsideration can increase your chances of getting your claim approved.

How long does it typically take for the insurance company to respond to a letter of reconsideration?

The response time can vary depending on the insurance company and the complexity of your case. It is best to follow up with the insurance company if you do not receive a response within a reasonable amount of time.

Can I hire a lawyer to help with my letter of reconsideration?

Yes, you can hire a lawyer to provide legal advice and help draft your letter of reconsideration. A lawyer can also represent you in any legal proceedings related to your claim.

What are some common reasons that insurance claims are denied?

Insurance claims can be denied for a variety of reasons, including insufficient documentation, policy exclusions, ethical breaches, and any discrepancies related to the claim.

Is it possible to file a lawsuit if my letter of reconsideration is denied?

Yes, you can file a lawsuit if you believe that your claim was unfairly denied, and you have exhausted all other appeal options. It is best to consult with a lawyer before pursuing legal action.

Thanks for reading, and good luck with your insurance claim. Remember to remain composed when writing your reconsideration letter and focus on the facts. Explain your situation clearly and provide any supporting documentation to back up your claim. Keep in mind that insurance companies are always looking for ways to minimize their payouts, so it’s essential to present a solid case. If you found this guide helpful, be sure to visit us again for more useful tips and tricks. Happy writing!