Aditya Birla Health Insurance — Shameful wrongful denial & harassment by aditya birla health insurance

I am publicly exposing the predatory and unethical claim rejection tactics of Aditya Birla Health Insurance Co. Ltd. (@AdityaBirlaHealth / @ABHealthIns / @AdityaBirlaCapital).
Despite paying premiums for an Activ One MAX policy with explicit Day-1 Chronic Care Cover, my legitimate claims and pre-authorization requests (Claim ID:[protected], Pre-Auth IDs:[protected] &[protected] have been repeatedly rejected on baseless, shifting, and contradictory grounds.
THE REALITY OF THE CASE:
Emergency Admission & Surgery: I was admitted as an emergency inpatient at Galaxy Hospital for acute, severe lower leg cellulitis and deep soft-tissue infection requiring active surgical debridement and MICU monitoring.
False Non-Disclosure Allegations: ABHI repudiated my claim alleging non-disclosure of Diabetes and Hypertension—conditions that were explicitly declared at proposal stage and accepted on my policy schedule.
Ignored Optional Covers: I purchased the Day-1 Chronic Care Optional Cover, which explicitly waives waiting periods for listed chronic conditions starting July 15, 2026.
Deliberate Blindness to Medical Proof: For ongoing pre-auth requests, their desk team claims the duration of my traumatic leg injury cannot be ascertained—despite submitting proof 10+ times via their app, TPA forms, doctor summaries, and self-declarations showing injury on Aug 9th and first consultation on Aug 17th.
Absurd Friction Tactics: To stall further, they are demanding additional documents—including a policy copy that their own system issued.
Instead of supporting a policyholder during a severe medical emergency, Aditya Birla Health Insurance has subjected me to 3 months of severe mental agony, harassment, and financial trauma.
I am taking this matter to the Consumer Disputes Redressal Commission, IRDAI (Bima Bharosa), National Medical Commission, and the Ministry of Health and Family Welfare.
Think twice before trusting Aditya Birla Capital with your health or family's security.
#AdityaBirlaHealthInsurance #AdityaBirlaCapital #InsuranceScam #IRDAI #ConsumerCourt #ConsumerProtection #HealthInsurance #BimaBharosa #UnfairTradePractices #PublicAwareness