It is typical for an insurance company to reject many claims on the first submission as a matter of fact to see how many will pursue the claim. They therefore pay fewer claims (many people will just pay themselves), and the ones they do pay , they gain interest on the money they hold while the claim is being appealed. I am a health care provider in the States, and I REALLY believe it is SOP for MANY companies... not ALL claims, but a predetermined number of them (random). See RAINMAKER, the book by Grisham, or the movie.