Even after you have thoroughly researched the market and chosen your cheap health insurance policy, there will come a time when you have to make a claim for the insurance. Whether the insurer has to pay out to an individual or to a company it is advisable that the company pays out quickly and efficiently. Any mismanagement or payment delay means the customer looks elsewhere for good and cheap insurance cover. However, the insurance company will not make a payment for claims which are fraudulent or incorrect at the time of filling out the application form. It is inadvisable to make claims for illnesses which were prevalent before the time of application.