[Resolved]  Bajaj Allianz — Claim denied

Address:

New Delhi, Delhi

Hello I have purchased general health insurance of Bajaj Allianz in May month. They told me that in case of due to any illness if i will be admitted to hospital at least for 24 hrs..they will reimburse all charges of hospital..including fees, medicines, Dr fees..n all.. On 25th of july, 2015 i have got a pain in my lower abdomen..which was unbearable.i was in office so they took me to the neelkanth hospital which is located in Gurgaon..there dr gave me injection for the pain and he suggested me to investigate this test...then i couldn't get time for that due to some issues On Tuesday 28th july again i got pain so i have taken some pain killers..then on Wednesday i went to BLK hospital in karol bagh, new delhi..in emergency due to that pain only..and i was suffering from 100° fever as well..there they dint give any first aid for the pain and fever..and they took me on wheel chair and left me at 1st floor..i have waited for half an hour over ther only but i dint have any idea that what is the process now..so i have asked myself to some receptionists that what should i do Then she has registered me for the OPD with 750 rs.and sent me to urology and renal department there i met to Dr.aaditya pradhan...still i was having with pain along with fever and was crying with that pain..and he also sent me for the test CT scan which was cost 7670/- it took around 2 hrs..still nobody cared for the pain and fever..and even they asked me to drink a lot of water to get some pressure o[censored]rine..that tym it was lyk i want to die with the pain now it is along with urine pressure which pain cant be described..then in ct scan there was nothing ..i went to the hospital at 10.30 am and around 4'o clock i got the tset and reports and all of ct scan...still i dint get any first aid for pain..then dr.pradhan referred me to gastrologist..there i have again paid 700/- for the registration then i met to dr.sanjay khanna...then he examined and couldn't get though the reason of pain so after looking about the unbearable pain he asked me to get admitted..then got through admissions procedures...where i have been asked to take the estimation according to mediclaim sum insured..then they said that approval will come within 4-5 hrs..so i have deposited 15000 as security amount..and got admitted..there i was pain killers, other medicines during admission...till 3 days they were continuously taking test...ultrasound, blood test, urine test, x ray and all... Ultrasound i have given 3-4 times But they still dint get through the reason of pain(isn't it strange??) On third day they took my pelvis part x ray which was my last test on saturday 1st august.. On the same day Dr.Pradhan came to me and his behaviour was a bit strange..and he asked me to get discharge..then i asked wat about pain he said take some medicines wich i wil suggest...i asked wat about fever..he said take crocin...i asked daily?? He said yes if you have fever then take medicines I was shocked at that moment..then i asked about x ray..he said he wil send the orthopaedics specialist Then he came to me in the evening he also said that there is nothing which shows the pain...he dint even refer to the x ray...so i asked myself that pls atleast once go through the x ray...then in x ray he got some clues of pain..that i have so much lack of vitamin D, calcium and Greece of bones Due to these reasons i am having continuously pain in my pelvis part and back side...and fever also..which has been started at very early in my body..then i got discharge order by the d.pradhan And the insurance company was waiting for the discharge summary because they said that they will give the approval on discharged only So at the end they denied to approve the claim Reason:- i was admitted to the hospital by myself just to get the investigation of the pain.. While in real i got admitted by the dr after looking at the pain because with that pain they couldn't sent me to the home.. Now please tell me that if i have any illness and i go to the dr.or hospital then after giving first aid won't they examine the reason of continuous illness?? They said the reason of admitting to the hospital was invalid I could stay at home by that pain and come again and again to get examined the reason of that.. Is it ryt or wrong?? Here as per my concerns both are reasons of my complaint Hospital and Insurance company as well But hospital people at least in the end gave me some relief But because of insurance company my heart was crying a lotttt...so kindly help me to get justice If they are saying that they wil give claim incase of admissions in hospital for 24 hrs Then they should stay with there words..they are just sucking blood from the throat of people