Apollo Munich Health Insurance — Cashless treatment

Address:	5000091
Website:	www.apollomunichinsurance.com

I took a policy with policy id no: [protected] and name: kunti narayana, for my father on date 22 dec 2015 after year again renewal was done on 23 dec 2016. I have paid high premium of rs 15000/- aprox every year.

Then a fine day my dad went for hospitalization on 06 april @ 10.30pm with chest pain and lrti, he got admitted for 01 day at empaneled hospital for basic observations got treated with iv antibiotics + iv fluids + antacids and then got discharged, our total bill was only 23000/-. For this amount they made hell where it was not more than my premium which paid to them, think what will happen if my hospitalization bill will go for 3l.

Apollo munich will give you fake commitments till you do policy, once it is done they wont care about your health that what the reason to reject my cashless.
While the claiming for cashless they started giving reasons to not to give approval and they ruled out that there is a age discrepancy.

Age discrepancy:

1) why don`t you checked age discrepancy at the time of policy?

2) if so why you granted me a policy & renewed my policy for 2nd year too?

It look like these insurance company willfully reject the cashless facility because they only wanted to full their bank balance, i believe that the ratio of this company is very poor it is not more than 38% what they give approvals.

I with my experience i say that do not go for apollo munich health insurance as the brand shows apollo but actually its not worthy to go with this, they leave you when you are in critical situation.

Worst customer care, worst response, worst policy

People who sit at customer care desks are illiterates including superiors desk.+