Oriental Insurance Company — Medical claim rejected stating pre-existing disease

Address:Bangalore, Karnataka

Policy Number : 423200/48/2014/877 Type : Individual TPA : GHPL Claim Number : 3819 My mother was hospitalized in Feb 2014 due to heart stroke and she balloon angioplasty . I submitted all the medical bills and supporting documents to the tpa (GHPL, Bangalore) for the medical claim processing. After submission, I had to keep on chasing them to get the status of my claim . Later they mentioned claim got rejected due to "Pre-existing disease". Not sure, how can they conclude like that. When I escalated the issue to the higher authorities, they asked me to submit supporting documents ( supporting no PED). Again I submitted the supporting documents ( from the Hospital) saying there was no pre-existing disease. I didn't get proper response for the next 3-4 months. Whenever I am calling them, either they are telling "No updates yet from the insurance company" or "claim got rejected". More than 1 year, I have been chasing them and pathetic experience .
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