Apollo Munich Health Insurance — Cashless Claim ID 188553

Address:

Hyderabad, Andhra Pradesh

I have purchased a health policy from Apollo Munich in the year 2013 which was Optima Restore Family Floater. Best as stated in the policy was cashless treatment across India with good number of hospital network. But all this has changed when we apply for a claim. Best: I don't find any. Worst: They wont approve your claim, its a straight away rejection. Customer executives over the phone show so much pity on the consumer like "I am very sorry for the rejection". But when you ask for their superiors every one are busy all the time with other customers on the call. Will propose for a Call back from superiors which won't happen in this life time. Needed a document from previous illness from the year 2011, As if we or the local doctor maintain a database of illness and the paperwork.Explained the situation and gave a declaration when asked about previous illness but also got rejected for the claim.Don't fool your self for a cashless treatment from Apollo Munich Health Insurance, first of all don't buy the policy from Apollo Munich Insurance, try any other insurance company.