Apollo Munich Health Insurance Complaints & Reviews

I am Health insurance Policy Holder and No is [protected], My name is Manmohan Singh Negi Add 592 S/F-01, Niti Khand-1, Indirapuram Gaziabad (U.P), I have taken Health insurance policy from AMHICL .Last year I paid Rs.9800/- for Family coverage, this year without any information company increased it premium to Rs.11146/- Dt. 29/04/2015. After many call Mr. Niraj of Company (Mo.[protected]) has come to my office to collect the cheque, Till today neither I got any policy nor he is picking up phone, even their Customer care not able to trace the policy wherebout. I am mentally harassed and feel cheated by company, I wish to file consumer harassment case against them for disturbing, it cause my health to low point. Manmohan Negi Mo.[protected]

sir i have a policy of apollo munich (optima restore)policy no.AA00099774. last year, 2014 i got this policy about 8500/-, but in this year, 2015 when i get the renewal of this policy they charge me 11146/-. when i complaint about this on their customer care they said that on 20, oct, 2014 this policy was revise so the premium is large.last year my age 35, and now in 2015 my age is 36, i think not more than 12% in a year should be increase in any policy.They didnot intimate me about this revision of policy at the time of purchasing(in 2014) or at the time of revision in oct, 2014.so i have this problem so now i have no choise to port this policy to another company.

Its been around 6 month I have been struggling with Apollomunich service process. I have submitted all the docs what Apollomunich is looking for but they again and again asking for many docs. I have submitted hand written document about the docs what they are looking for but still I have not got the insurance claim amount. They have close my file many times and reopen but not doing anything after that. Please help me to get my claim amount ASAP.

We are the policy holder of Policy No. 160100/11051/[protected] through which we had made a claim for treatment and hospitalisation charges amounting to Rs.50, 347/- on 5th March, 2015. Initially before admission to the hospital we had inquired with our Agent and on customer care number under intimation no.61172 it was assured that the claim will be passed for the said treatment which my wife had undergone. But to our surprise the said claim was rejected. When inquired with other mediclaim health insurance companies they are clearing the said claim then what is reason for rejection please explain. Please look into the matter and revert back at your earliest on positive note. Expecting clearance of my claim from you.

Thanking you, Jignesh V. Parmar.

Dear Team, Greeting!! I am Adv. Pradeep Jain customer and shareholder of your company. I have been admitted to Smt. Motiben Dalvi Hospital and diagnose with HSP and according I had lodged the claim with your company under the claim id no. 246448/1 but the same has been rejected with strange or unacceptable reason. The brief fact of my case is under: In the month of August-September, 2014 I was getting swelling, cramps, blood clots ad red rashes on my both the leg and below the knee only. I had went to local Municipal hospital and taken a treatment for 1month but not got any relief then I had consulted to my one Dr. Omprakash Gajelli and he has also treated me for more than 1month but the result is same i.e. no relief and under his reference only I had visited to Dr. Girish Vashwani at Bhatia Hospital for consultancy but upto that time the pain become unbearable and due to blood clots I was unable to stand only and after seeing my this condition Dr. Girish advice me to get it admitted under his supervision at Bhatia Hospital only as my condition is day by day getting degrading. But as I am aware that Bhatia Hospital is too costly so I had requested him to admit me in Smt. Motiben Dalvi hospital as he is visiting consultant over there also and price also comparatively too low. I am admitted in Smt. Motiben Dalvi hospital on 17th Decembe, 2014 and before admission as a intimation call I had given to your call center and requested for cashless facility and they had denied the same and stated that if you are getting admitted in any of the well known hospitals such as Bhatia Hospital, Saifee Hospital then they are having this facilities otherwise they are not having. I had explain my all the treatment to call centers and they had confirm me on call that if am admitting in Bhatia or Saifee they are providing me cash less facility but keeping on the faith of your company I had thought why to waste the amount when I can manage the same in lesser amount, only thing I have to claim for reimbursement. But it was shocking and surprising that my claim amount is rejected and giving a few words reason i.e. “hospitalization is not established only oral medications has given” but you claim department is considering all the claim on one footing only i.e. if I had taken a IV my claim would have been passed but they are fail to understand that if IV is not required then why doctor will give IV to the patient and there are many more reasons for getting admitted in hospital is that swelling, cramps, blood clots ad red rashes from last four months is not enough for getting admitted in hospital and that is also without diagnosing the diseases. And if you can peruse my discharge card the Doctor has given a probability of HSP and he is not firm on his decision and that’s why he has not given me any medicine. After my discharge from Smt. Motiben Dalvi hospital and as per Dr. Gisih advice I had waited for near about 20 days but my condition is not improved and hence I had went to KEM (Government run hospital) with my one of the known doctor Mr. Deshmukh and he has done a doppler and advice me to consult Ms. Rohini Samant (Rymotologist) at Hinduja Hospital she has also given me medicine for 15 days but the condition was same then she advice me to bring some blood reports and xray reports and after that also she has prescribe me medicines but things are constant and then she finally advice me to do a skin biopsy test and if you go through her prescription she has mention probabilities of EN and not sure about that and as a last diagnosis for skin biopsy I had visited to Dr. Salman Bhoira refereed by Mr. Omprakash Gajelli and he had advise me that skin biopsy is not required and prescribe me to do two more blood test and after the report he has prescribe me to start one month course of AKT4 (treatment for TB as my monto test was positive) and he was so confident that he told me that after this course all the trouble will be resolve and accordingly I had completed this course and finally after getting fedup from all this things, I had taken a help of Mr. Deshmukh and he advice me start treatment in KEM hospital only and according I had started and as per their Doctor advice I had done with Biopsy also and some blood test also and as per Skin Biopsy I am suffering from LCV and currently my proper treatment is going on. I am cursing myself that why i had not hospitalize in Saifee, Bhatia or Harkisandas hospitals instead of local hospital, only thing was that in these hospital the expenses would be approx more than triple but it was not going from my pocket and even i was able to opt for cashless facility also and not incurred a loss of thousands of Rupees. The person is not admitted in hospital for the joy, when he can be treated from OPD, in my case it was my condition that’s why I had been forced to get it admitted and about this Dr. Girish has also issue a certificate also. Due to this disease and admission in hospital I was unable to attend my office and incur a loss of more than Rs.1, 00, 000/-. The Doctor has an advice that’s why I had admitted in the hospital otherwise I was taking my treatment from the doctors clinic only. And if doctor is advice then you are not having any other option to obey the same and you can’t endanger your life due to your own negligence. I had incur loss from both the side I lost my revenue and my medical expenses is also not reimbursed. All the aforesaid referred document has been submitted to your claim department and do let me know if you need one more set of this documents. After lodging the claim your TPA has approached to me and he has taken some of my snaps which you can refer to understand the physical condition, that would be really helpful for to pass my claim. One further request is to establish one claim settlement department in your officers where you customer can approach and justify his claim, with your current call center no customer is satisfied as every time they are getting some one new person on the line. In the aforesaid circumstances I request you to pass my claim at the earliest otherwise I am not having any other option to approach the IRDA or to take any other legal recourse to get my claim pass which is 100% genuine. Thanking you, Yours faithfully, Adv Pradeep Jain

WORST EXPERIENCE FACED, hate apollo munich I am manisha jakhar covered under apollo munich, ID:[protected], daughter of ramesh kumar was admitted in mata channan devi hospital on 28march 2015 in emergency reason being headache vommit high fever, typhoid and i was suffering from this problem from 14march 2015 with earlier visits being in emergency as well as i went to another doctor as well and with prior checkup i get admitted, at that point of time i had very high fever and now when we are claiming for our right, we are not getting adequate response and out claim is rejected.Take adequate action or we wont consider your plan in future.

i am manisha jakhar covered under apollo munich, ID:[protected], daughter of ramesh kumar was admitted in mata channan devi hospital on 28march 2015 in emergency reason being headache vommit high fever, typhoid and i was suffering from this problem from 14march 2015 with earlier visits being in emergency as well as i went to another doctor as well and with prior checkup i get admitted, at that point of time i had very high fever and now when we are claiming for our right, we are not getting adequate response and out claim is rejected.Take adequate action or we wont consider your plan in future.

Dear Sir or Madam: I had applied for a cashless claim vid your claim no. 169016 for an operation, which is crucial for me to be done, as I am diabetic since last 2-3 years. I have been denied the claim on the grounds that I am supposed to submit my first diagnostic report- i.e. when I was first diagnosed with diabetes, which I do not possess anymore as I never thought that it is a prized possession that I should keep me with me all lifelong, and it wasn’t really a happy news. I have been paying this premium since 2011 to Apollo Munich and this policy was overtaken in continuation from my previous medical insurance company. My agent’s name is Mr. Mridul Kataria and code no. is 80154682. I sought help by calling in at the call centre after I was denied the claim, and they registered by complaint/application [no. 1435859]. On enquiring about the progress of my application, I came to know that I have been denied the claim however I would be allowed to be reimbursed for the same. However I do not want a reimbursement, because this is NOT what I signed up for. What I do not understand is that I PAID for “CASHLESS” policy – and if Apollo Munich has failed to keep up with the meaning of the same, I’d like to make them understand that what is exactly a Cashless policy:- Cashless policies mean that the health insurance company settles the bill directly with healthcare provider, whether a hospital or a nursing home. This is to reduce the direct financial burden on insured individual at the time of hospitalization. Therefore, whatever bill is raised by the healthcare provider, Insurance company settles it directly through a Third Party Administrator. Advantages of insurance health cashless facility Cashless health insurance is of great advantage during medical emergencies Cashless health insurance facility reduces a customer’s financial burden and helps him recover with peace of mind. It helps customers who do not have immediate liquid money for pay for their hospitalisation expenses. [Source: MoneyControl.com] I have already paid a premium of 28, 000 INR and I do not understand how can I be told to pay for the operation and then get reimbursed later- if I wanted a service like then why would have I opted for CASHLESS policy? I do not have the money to pay for the operation and it is highly important that I get it done and on the date appointed i.e. 19th March 2015 – Thursday. I would like to avail the service that I paid for – cashless policy and I need to it be done on time. I do NOT want a reimbursement because firstly I do not have the money to pay for the operation and secondly I did not sign up for a policy that would reimburse me but a policy that allows me to avail medical care CASHLESS. Kindly look into the matter and treat it as highly urgent. Yours truly, Rajeev Aggarwal

Name : Paul Robert William Policy no : [protected] I done my Mediclaim in the month of Sep 2012 & i got admitted in the hospital in the month of july 2014 even though i have submitted all my documents to my agent, iam iam still unaware of my claim, everytime i call my agent he used to say there is some problem that the reason they have cancelled it. From Appolo munic i did not get any official mail or any msg, now its almost more than 8months still iam unaware of my claim. kindly resolve my issues.or let me known what further steps should i take. Thanks & regards Robert william

Company is not settling my reimbursement claim, i had mail and handover all the necessary document to the company, even though they are not approving my claim My Policy no 170100/11001/AA00050352, My Name : Kiran Vishwanath Tilekar My Name is Kiran Vishwanath Tilekar, having your health Insurance policy, policy no 170100/11001/AA00050352, I was admitted in Jahangir Hospital on 31.08.2014 because of Dengu fever and I done my treatment there and paid the bill. First I had applied for cashless claim but it was rejected due to non disclose of facts and for the same I had send an e-mail from hospital to apollo but my cashless claim was not approved and I received Email from Mukesh Pandey, customer relationship Management Team, cashless facility cannot be granted due to non dis closer of facts and you can go for reimbursement. The nondisclosure fact which has been observed is hypertension from 6 months which was actually from 3 month before. But in Hospital Documentation they had recorded wrongly that my hypertension is from 6 months & for the same I had submitted letter from Jahangir Hospital’s Doctor who recorded wrongly in hospital documentation and also submitted the doctor’s prescription and first consultation letter from doctor for hypertension. So please consider the fact and it is the fault of hospital record and not my so please consider the fact and approve my claim. And then I applied for reimbursement claim and submitted the all hospital documents & my hypertension consultation papers in that reimbursement claim. And after that i received the letter from Appolo saying that Submission of Documents for Claim Id 217556/1, UHID : [protected], the documents which I have to submit are Cancelled cheque copy (Huvepharma Sea Pune) & All previous case papers of Hypertension. After that I submitted Cancelled cheque copy, Previous consultation report in Apollo Munich Pune office, but pune office, didn't forward my document to main office and on 13.10.2014 i received letter from apollo saying your documents not received hence we regret to inform you that your claim has been closed. (Letter is actually received by post on 28.10.2014) Before receiving this letter, i had called your call center of Apollo they said documents required is still pending then i visited pune office for inquiry about why my documents not submitted to your main office, then pune office executive said that your documents has already been submitted. I submitted all the documents needed but pune office not forwarded to main office and apollo had sent me claim closure letter. after that i email all the document to apollo and apollo is saying that submit the first consultation prescription then i submitted the first consultation prisciription then alos they are saying submit the first consultation proscription. I want my claim amount from apollo that's it. I Am attaching the email convesession with apollo munich On 14 January 2015 at 13:24, customer service <[protected]@apollomunichinsurance.com> wrote: Dear Mr. Tilekar, Greetings from Apollo Munich. With reference to your concern, please note that we have reviewed the case again but the submitted documents cannot be consider. Kindly arrange for the 1st consultation prescription for further process. For any further query, you can get in touch with us on our toll-free[protected] or write to us [protected]@apollomunichinsurance.com. You may also contact our nearest branch (for complete list of branches visit www.apollomunichinsurance.com). We look forward to providing you uncomplicated health insurance services. Regards, Ankita Prasad, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website - http://www.apollomunichinsurance.com “Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”. From: customer service Sent: Monday, January 12, 2015 4:37 PM To: 'kiran tilekar' Cc: [protected]@apollomunichinsurance.com; Nilesh Tilekar Subject: RE: Regarding Claim Reimbursement (Claim ID : 217556/1) or complaint no. 1271740 Dear Mr. Tilekar, Please accept our sincere apology for the delay in response. With reference to your mail below, would like to inform that the issue has been forwarded to the team concerned for necessary action and the same is currently under process. We will surely get back to you and request you to kindly co-operate with us. For further assistance, please feel free to write us. We look forward to providing you uncomplicated health insurance services. Regards, Ankita Prasad, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website - http://www.apollomunichinsurance.com From: kiran tilekar [mailto:[protected]@gmail.com] Sent: Friday, January 09, 2015 6:29 PM To: customer service Cc: [protected]@apollomunichinsurance.com; Nilesh Tilekar Subject: Re: Regarding Claim Reimbursement (Claim ID : 217556/1) or complaint no. 1164605 Dear All It has been 10 days, I haven't received any reply regarding my claim status. On 30 December 2014 at 10:38, customer service <[protected]@apollomunichinsurance.com> wrote: Dear Mr. Tilekar, Greetings from Apollo Munich. With reference to your case Id: 1271740, please note that the claim request and the documents are being reviewed by the respective team and the updated status regarding the same can be confirmed within 6-7 working days. For any further query, you can get in touch with us on our toll-free[protected] or write to us [protected]@apollomunichinsurance.com. You may also contact our nearest branch (for complete list of branches visit www.apollomunichinsurance.com). We look forward to providing you uncomplicated health insurance services. Regards, Ankita Prasad, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website - http://www.apollomunichinsurance.com “Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”. From: customer service Sent: Tuesday, December 16, 2014 1:29 PM To: 'kiran tilekar' Cc: '[protected]@apollomunichinsurance.com'; 'Nilesh Tilekar' Subject: RE: Regarding Claim Reimbursement (Claim ID : 217556/1) or complaint no. 1164605 Dear Mr. Tilekar, Thank you for contacting Apollo Munich. The case number for your below mentioned concern raised on 14/Dec/2014 is 1271740. We assure you an appropriate response within a maximum of two weeks’ time If you do not hear from us within two weeks of this e-mail or not happy with the resolution, you may write [protected]@apollomunichinsurance.com . Please refer to the policy wording and / or visit our website www.apollomunichinsurance.com to know the “Grievance Redressal Procedure”. Do remember to quote the case number mentioned above for ease of identification. We look forward to providing you uncomplicated health insurance services. Regards, Ankita Prasad, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website - http://www.apollomunichinsurance.com “Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”. From: kiran tilekar [mailto:[protected]@gmail.com] Sent: Sunday, December 14, 2014 7:50 PM To: customer service Cc: [protected]@apollomunichinsurance.com; Nilesh Tilekar Subject: Re: Regarding Claim Reimbursement (Claim ID : 217556/1) or complaint no. 1164605 Dear Sir, I am submitting The first consultation prescription paper that you wanted. please pass my claim as early as possible. Regards Kiran Tilekar [protected] On 10 December 2014 at 12:39, customer service <[protected]@apollomunichinsurance.com> wrote: Dear Mr. Kiran Tilekar, Greetings from Apollo Munich. With reference to your case Id: 1164605, would like to inform that case cannot be re-opened based on the documents submitted to us. Kindly provide First Consultation Prescription Paper in order to get the case processed. If you are not happy with the resolution, you may write to [protected]@apollomunichinsurance.com . Please refer the policy wording and / or visit our website www.apollomunichinsurance.com to know the “Grievance Redressal Procedure”. For any further query, you can get in touch with us on our toll-free[protected] or write to us [protected]@apollomunichinsurance.com. You may also contact our nearest branch (for complete list of branches visit www.apollomunichinsurance.com). We look forward to providing you uncomplicated health insurance services. Regards, Ankita Prasad, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website - http://www.apollomunichinsurance.com “Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”. From: kiran tilekar [mailto:[protected]@gmail.com] Sent: Monday, December 08, 2014 6:19 PM To: customer service; [protected]@apollomunichinsurance.com Cc: Nilesh Tilekar Subject: Re: Regarding Claim Reimbursement (Claim ID : 217556/1) or complaint no. 1164605 Dear Sir, It has been ten days, we didn't receive any reply from you. On 28 November 2014 at 16:46, customer service <[protected]@apollomunichinsurance.com> wrote: Dear Mr. Kiran Tilekar, At the outset please accept our sincere apology for the inconvenience cause to you. We would like to update you that we have already raised your complaint 1164605 to the concerned team for necessary action and the same is currently under process. We will surely get back to you and request you to kindly co-operate with us. In case you need any further assistance, Please feel free to write back to us. We look forward to providing you uncomplicated health insurance services. Regards, Mukesh Pandey, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website -www.apollomunichinsurance.com From: kiran tilekar [mailto:[protected]@gmail.com] Sent: Thursday, November 27, 2014 6:52 PM To: customer service; [protected]@apollomunichinsurance.com Cc: Nilesh Tilekar Subject: Re: Regarding Claim Reimbursement (Claim ID : 217556/1) Dear Sir What type of first consultation paper you need that i don't know, i already had submitted the first prescription which doctor gives me at first time and also the declaration from doctor about the consultation on hypertension. When i had gone to doctor to consult first time on hypertension he only gives me the prescription of medicine and give advice nothing else he give. so please treat this declaration report as a consultation and pass my claim as early as possible other wise i have to go to consumer court and lounge a complaint against apollomunic. and please clear me that what is connection between the hyper tension and dengue?????. i dont know why you are not passing my claim ?????? On 24 November 2014 at 11:37, customer service <[protected]@apollomunichinsurance.com> wrote: Dear Mr. Kiran Tilekar, Greetings from Apollo Munich. With reference to your case id 1164605, please be informed that claim cannot be re-opened based on the documents submitted. Kindly provide First Consultation Prescription Paper inorder to get the case processed further. For any further query, you can get in touch with us on our toll-free[protected] or write to us [protected]@apollomunichinsurance.com. You may also contact our nearest branch (for complete list of branches visit www.apollomunichinsurance.com). We look forward to providing you uncomplicated health insurance services. Regards, Mukesh Pandey, Customer Relationship Management Team Apollo Munich Health Insurance Company Limited iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon -122016, HARYANA Website -www.apollomunichinsurance.com From: kiran tilekar [mailto:[protected]@gmail.com] Sent: Friday, November 21, 2014 3:46 PM To: [protected]@apollomunichinsurance.com; customer service Cc: Nilesh Tilekar Subject: Fwd: Regarding Claim Reimbursement (Claim ID : 217556/1) Dear sir/madam I had sent a mail on 31.10.2014 regarding the following issue of reimbursement but after 21 days i got a called from apollo call center, and executive who called said that in your mail, there are no attachments in your mail, so i am forwarding the same mail which i sent earlier now i had to really say that look for attachment. [protected] Forwarded message ------- From: kiran tilekar <[protected]@gmail.com> Date: 31 October 2014 19:46 Subject: Regarding Claim Reimbursement (Claim ID : 217556/1) To: [protected]@apollomunichinsurance.com, [protected]@apollomunichinsurance.com My Name is Kiran Vishwanath Tilekar, having your health Insurance policy, policy no 170100/11001/AA00050352, I was admitted in Jahangir Hospital on 31.08.2014 because of Dengu fever and I done my treatment there and paid the bill. First I had applied for cashless claim but it was rejected due to non discloser of facts and for the same I had send an e-mail from hospital to you but my cashless claim was not approved and I received Email from Mukesh Pandey, customer relationship Management Team, cashless facility cannot be granted due to non discloser of facts and you can go for reimbursement. The nondisclosure fact which has been observed is hypertension from 6 months which was actually from 3 month before. But in Hospital Documentation they had recorded wrongly that my hypertension is from 6 months & for the same I had submitted letter from Jahangir Hospital’s Doctor who recorded wrongly in hospital documentation and also submitted the doctor’s prescription and first consultation letter from doctor for hypertension. So please consider the fact and it is the fault of hospital record and not my so please consider the fact and approve my claim. And then I applied for reimbursement claim and submitted the all hospital documents & my hypertension consultation papers in that reimbursement claim. And after that i received the letter from you saying that Submission of Documents for Claim Id 217556/1, UHID : [protected], the documents which I have to submit are Cancelled cheque copy (Huvepharma Sea Pune) & All previous case papers of Hypertension. After that I submitted Cancelled cheque copy, Previous consultation report in Apollo Munich Pune office, (acknowledgement of all document submitted attached), but pune office, didn't forward my document to main office and on 13.10.2014 i received letter from apollo saying your documents not received hence we regret to inform you that your claim has been closed. (Letter is actually received by post on 28.10.2014) Before receiving this letter, i had called your call center they said documents required is still pending then i visited pune office for inquiry about why my documents not submitted to your main office, then pune office executive said that your documents has already been submitted. What we have to do in this case you tell me???????? I submitted all the documents needed but pune office not forwarded to main office and apollo had sent me claim closure letter. If my claim is not passed from you then i will go consumer court and launch a complaint against apollo munich. So please update me about the same. Thanks & Regards Kiran Tilekar

Today I get to know that there is no such cashless facility is being provided by Apollo munich when I am ask to deposit 10, 000 INR just as a security before get admission at the max hospital patparganj (because initial approval come less than actual estimation). When I contacted customer helpline number today with hope to get solution of this, I get a reply that "Sir you don't need to worry about money just get your treatment at the hospital". and when I tell him that they( Max hospital patparganj, the admission department) are asking me to deposit 10000 INR as a security then he ask me to let him talk to Max hospital admission department. After having conversation of both of them, I got surprised with the reply of Apollo munich representative, he replied that sir you have to deposited 10000. When I ask his to hand over call to senior, then he said his senior is busy can't connect to him now and cut the phone. I You(Apollo munich) left me with no choice except to return to home even after having a policy of 3, 00, 000 Optima restore. This is the first time I approach for the claim in the last 4, 5 years of continue policy. Now I realised that, It was like a fool arguing with the Max hospital department representative to get cashless facility which doest not exist in reality. I will definitely discourage this and ask people not to go for Apollo munich facility.

My Policy details: [protected]-04 Easy Health Individual Standard 09-Dec-2014 to 08-Dec-2015 This company can't even deliver the document like receipt even after repeated requests. I had to call their call center 4 times but none of them helped owing to their pathetic system and processes. Their website provides no proper information and like other insurance providers, they dont even provide the recipts online. When this company cannot even deliver the doucments, I doubt they can handle calims to our satisfaction. This company is the worst managed and better avoid it.

Hi Grievance Team, My cashless request was * 1305393.* *i want to complain regarding this whole procedure .* *I made a wrong decision to take apollo munich insurance. * *my husband was admitted in orbit hospital gurgaon with the symptoms of nausea, vomiting, abdominal pain* *doctor provisional diagonsed for gastritis With UTI .but After all the test .it detected as proper URINARY INFECTIONS AND LEVER FATTY ACIDS.* *please check medicines name .it clearly shows it for UTI disease not for kidney stone* as per your policy UTI and Lever fatty acids is covered after 30 days but your apollo munich team and doctors rejected my request fistly reason was this gastritis disease covered after 2 years so when doctor had been sent final diaonsed report executives told me its valid and it will be in positive way. after within 5 seconds again rejected with reason there is some kidney stone 3.5 mm. *here i[censored] read above points some manipulation for rejecting my request* *how can you reject my request with 2 reasons which is not valid* *i was in hospital in a bad situation .i made 100 calls to apollo munich customer care, they told its sunday non working* *day .it was really a mentall harassed for me .* apollo munich gurgaon team leaders name amit kumar.and one floor manager literally used harsh language and told me its a non working day and we dont have doctors here In short without investigating proper report and medicines report .how can you rejected my cashless request. after that i discharged my husband from hospital . apollo munich executives told me for reimbursement claim *today we went to apollo munich gurgaon office sector-14 for claim reimbursement .* *we met with one of your employee name rahul .i asked for claim form.he told me there is no generator no printer* *SEE how apollo munich insurance company works* *now you please suggest how i can i fill my claim form * *i AM REALLY DISAPPOINTED FOR THE SAME .really a bad and mentall harassing experience * *looking forward for a positive response* *Thanks and Regards* *Preeti Srivastava*

Apollomunich claims to have a most simplified procedure for claim settlement but its unnecessarily harassing me for my small amount of claim. Since I registered the claim I'm given by the company new and new lists of documents to be obtained from the hospital. They just intend to avoid the payment. On 10th Nov they asked me to get indoor papers from the hospital and after obtaining them on 18th Dec they provided me another list of documents to be submitted. This list apart from other documents which I've already submitted requires a certificate from the doctor and a written explanation from him why he admitted me and why didn't he treated me in OPD. I can't understand what's the sense of seeking any such certificate after more than 2 months of discharge from the hospital and if any such certificate is really required then why didn't they ask me to get such certificate from doctor when giving me list on 10th Nov? How many times will I visit the hospital and request the doctor to give me new and new documents? If suppose I would have fell ill in a city far away from my residence and office then would Apollo send me hospital again and again to get new and new documents. I've already taken 3 days leave from my office just to visit hospital to get documents. How many more leaves need I to take to get clear the claim amount? I've made compalint to customer care and grieavance cell but everyone wore a strange silence on this issue. They even don't think it necessary to comment over it. My Claim id is 227508. Ashish Kumar Agrawal

I have a policy numbered [protected], which expires on 29 Dec 2014. I had emailed the Customer service on 8th Dec 2014, requesting them to not to renew the policy and cancel my standing instructions. On 18th dec my account was debited with renewal premium. Today, I called the Customer care to file a complaint, but I was bluntly refused any help, and asked to visit their branchbranch because the call center had no authority to act

Ms.Rajani employee of apollo munich visited our company SML-ISUZU and according to the plan explained by her, i request her to to make two policy of RS -4500 per head, but do not know how exactly she made policy. I am repenting that why I had trusted her for the creating the policy.she made commitment that we will get 2500 reimbursement in the end of the year .which is wrong.

I have a claim pending with apollo munich and they are in no mood to settle it down i was admitted in the hospital on 17th august and discharged on 26th i submitted all my document on 2nd september then i received a letter from company asking for some more documents which i submitted after 4 days letter that is on 27th september from then i have been calling and mailing them but there is no reply from there side and there customer care is pathetic when ever i call them they have only 1 reply "sir its under process" meanwhile there investigator visited the hospital doctor and even done the photography of the medical stores from where the medicine were bought now after 2 more month they are asking me some douments which are as follows Particulars of Details / Documents Required Amount Status Requirement Type Please provide the all past treatment records taken as off now. 29215 Pending Mandatory Please provide the hospital registration certificate with detail of no of beds, operation theater, Nursing and consultant . 29215 Pending Mandatory Please provide the Indoor case papers with treatment chart, vital chart, progress note, history sheet...etc. 29215 Pending Mandatory Please provide the Treating doctor certificate regarding Etiology of Ailment in this case. 29215 Pending Mandatory Please provide the treating doctor certificate regarding prolong hospitalization in this case. 29215 Pending Mandatory Please provide the Xerox copy of treating doctor registration certificate. 29215 Pending Mandatory Please provide the Xerox copy of medicine stock register from hospital. 29215 Pending Mandatory Please provide the Xerox copy of registration certificate. 29215 Pending Mandatory Previous treatment records prior to hospitalization including 1st consultation letter. 29215 Pending Mandatory Treating doctors certificate for Past history duration of DM When diagnosed for the 1st time. 29215 Pending Mandatory now tell me when there investigator has already visited there then why are they asking these documents and why will the hospital give such document this clearly indicates they dont want to settle the claim and even more i dont know what kind of process they follow that they take 2 months to investigate and if i submitt the documents somehow then they will take 2 more months and again ask for some other document i am puzzled just for a claim of 29000 they have taken so much time please help me

Dear Sir/Madam NAME : AMITABH DUTTA INSURANCE ID: [protected] PA ID : 150580 This is in regards to a cashless claim. I was admitted in Indian Spinal Injuries Centre for 7 days suffering from Dengue Fever. But the Final Authorizations letter was sent only for 3 days. My question is on what basis Authorization is give end for only 3 days. On asking customer care on this, they replied that in my discharge papers somewhere it's written I was well 4 days before. Hence only for there days. On explaining that, they have miss interpreted the document and it's say that I was well 4 days before I got admitted in hospital, under the discharge summary heading "History of illness". Customer care had registered an complaint as "Deductions in cashless raised" case ID : 1212787. 1. Till now I have not received any information. Just an mail that says my case has been handled, and nothing else. 2. I think Apollo Munich look for any excuse to not to settle claims. You have all the documents and explanation from doctors. Detail how I was suffering from high grade fever and low platelets count, still you miss interpret one line of doc and find excuse to not settle claims. It was horrifying experience, I had better experience with Iffco Tokyo. Apollo Munich should not make tall claims of hassle free claim settlement. I have all the docs, if require. I am not attaching here as file size and format is in PDF

I have Apollo Munich Health Insurance for last two years, now they are changed my premium previously they charged around 5000 for 3lack individual policy now this year they ask for 5700 for one year . I feel cheated they are fraud . Please give suggestion, how I can go to consumer court ? I want to tech them a lesson.

Dear sir,

All the formalities have been processed
And i am sure that LIU is not done before police verification
Both Police Verification and LIU has been done last month
Since then i am receiving the same reply from everyofficial that PVR is pending
And it does not take one long month for uploading thereports. If it needs me to personally go to every official and beg for theirservice its not possible.
I am following it up with all the officials andregulatories.
Please help me in this case