[Resolved] Apollo Munich Health Insurance — Harassment by Apollo Munich in settling the claim

opagrawal

from Mumbai, Maharashtra

Address:

Mathura, Uttar Pradesh

Apollomunich claims to have a most simplified procedure for claim settlement but its unnecessarily harassing me for my small amount of claim. Since I registered the claim I'm given by the company new and new lists of documents to be obtained from the hospital. They just intend to avoid the payment. On 10th Nov they asked me to get indoor papers from the hospital and after obtaining them on 18th Dec they provided me another list of documents to be submitted. This list apart from other documents which I've already submitted requires a certificate from the doctor and a written explanation from him why he admitted me and why didn't he treated me in OPD. I can't understand what's the sense of seeking any such certificate after more than 2 months of discharge from the hospital and if any such certificate is really required then why didn't they ask me to get such certificate from doctor when giving me list on 10th Nov? How many times will I visit the hospital and request the doctor to give me new and new documents? If suppose I would have fell ill in a city far away from my residence and office then would Apollo send me hospital again and again to get new and new documents. I've already taken 3 days leave from my office just to visit hospital to get documents. How many more leaves need I to take to get clear the claim amount? I've made compalint to customer care and grieavance cell but everyone wore a strange silence on this issue. They even don't think it necessary to comment over it. My Claim id is 227508. Ashish Kumar Agrawal

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Aug 13, 2020

Complaint marked as Resolved

Apollo Munich Health Insurance customer support has been notified about the posted complaint.

Jan 01, 2015

Updated by opagrawal The list of documents required to be submitted is mentioned in claim form and this list is exhaustive. The patient is assumed to collect all the necessary documents as per the list at the time of discharge. He is not expected to visit hospital again to obtain any new document. Still if there is any need then insurance company appoints a investigator to collect any further information from the hospital. In my case investigator was also appointed but he was reluctant in obtaining the documents. He wanted to take bribe from me for filing a positive report but I didn't entertained him as I had belief that my claim would get clear without any bribe and I'd made a written complaint against him but still no response. I've sent 3-4 mail reminder on this issue but they just seek more time to comment over his behaviour. I think this fresh list of documents is result of me not giving bribe to him and complaining about his behaviour. Everything is on record. I've kept in record every conversation between me and the company.

Ashish Agrawal
[protected]
Claim id 227508