Aditya Birla Health Insurance — Cashless Claim Delayed 48+ Hours - Patient Stranded at Apollo Hospital Chennai

Address: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013

Website: www.adityabirlacapital.com/healthinsurance

I am filing this complaint against Aditya Birla Health Insurance for gross delay in cashless claim processing.

FACTS:
- Policy Type: Group Health Insurance (via Bajaj Allianz collaboration)
- Hospital: Apollo Hospital, Chennai
- Patient Status: Medically fit for discharge
- Delay Duration: 48+ hours and counting

IRDAI VIOLATION:
As per IRDAI Master Circular 2024, discharge authorization must be provided within 3 hours. Aditya Birla Health Insurance has taken 48+ hours with no resolution.

ISSUES FACED:
1. Claim requests rejected repeatedly without proper review
2. Team demanding documents already submitted multiple times via email
3. Asking for irrelevant documents unrelated to treatment
4. All documents have been attested by treating doctors at Apollo Hospital
5. Endless loop: reject → ask documents → reject → ask again

ESCALATIONS ATTEMPTED (NO RESPONSE):
- care.[protected]@adityabirlacapital.com
- carehead.[protected]@adityabirlacapital.com
- gro.[protected]@adityabirlacapital.com
- Toll-free:[protected]

IMPACT:
Patient stranded in hospital bed. Family in severe mental and financial distress.

REQUEST:
1. Immediate cashless claim approval
2. Compensation for additional hospital stay due to insurer delay
3. Action against negligent claim processing team