A short-settled Group Health Insurance claim with OPD and wellness benefits means the insurer has reimbursed less than the actual medical or outpatient expenses incurred by the employee. This often happens due to sub-limits, exclusions on consultations, lab tests, or wellness treatments, or lack of clarity in policy interpretation. Such underpayments can leave employees frustrated and financially burdened, despite having coverage. At Authentic Insurance Brokers India Limited, we help organizations identify the reasons behind short settlements, interpret policy clauses, and liaise with insurers to ensure rightful and full claim payments—maximizing the value of health benefits provided to employees.