Customer trust in health insurers is waning, with a significant rise in unexplained claim rejections and a continued reliance on reimbursement routes. Policyholders are increasingly frustrated by insurers revisiting underwriting at claim time, leading to dissatisfaction. A substantial gap exists between cashless and reimbursement claims, with many forced to borrow funds for upfront hospital payments. Clearer communication and comprehensive medical verification at onboarding are crucial for rebuilding confidence.