Lic Of India — Claim settlement

Address:	Mumbai City, Maharashtra
Website:	www.licindia.in

I submitted a claim (claim ref. no.[protected] for hospitalization with lic of india. i had an infection which was not getting cured via opd and hence i got admitted. i was hospitalized between 27 jan 2016 to 30 jan 2016. i had submitted all the required documents for pre and post hospitalization. however, all that was reimbursed to me was daily cash benefit for 2 days.

The explanation provided to me was that i was eligible only for the daily cash benefit. the expenses for medicines, bed charges, etc are not applicable as i did not undergo any surgery.

Additionally, the policy document/ terms & conditions doesn't mention any of the above explanation. the document only provides the list of diseases not covered. no where in the document, it is mentioned that if one gets admitted and surgery is not done, the charges like medicines etc will not be eligible for claim. i was also not given the clause number based on which my hospitalization was discarded.

Kindly help in assisting me to resolve this issue.

Regards,
Ramya
([protected])