Apollo Munich Health Insurance — Claim rejected by Apollo Munich on unreasonable grounds- Claim ID 466287

Address:	Gurgaon, Haryana, 110016
Website:	www.apollomunichinsurance.com

I Rajiv katwal having an insurance policy with Apollo Munich, my policy no is AA00340824. I have a filed a Claim on 14th October 2016 with the insurance company.My claim id is 466287

First, I have faced a lot of issues in relation to document submission and follow ups, the customer care team of Apollo Munich is fooling the customers and giving illogical reasons. i I have filed approx. 15 complaints with Apollo Munich regarding document submission and delay in claim settlement.

In spite of sending all the documents related to my medical case and after a long trouble faced by me as mentioned above, my claim was finally processed and has been rejected on the reasons that need for hospitalization is not established.

I am extremely disappointed by Apollo Munich and feeling like cheated by the company.

I would like to highlight my case to the grievance cell in details:

I was down with fever and having throat problem from 27th of September 2016 I visited a clinic in my area and took medicines for 3 days but after 3 days i was not feeling well then I consulted Dr Arjun Rastogi (M.D Consultant) in Neptune Hospital on 30 September 2016. On the very next day I felt severe pain in my throat and was unable to take any food and even water so I called up Dr. Arjun Rastogi and informed him about my situation, then he referred me to Dr. Sandeep Sindhu (M.S. ENT) who is a Sr. consultant in Apollo Hospital and Neptune Hospital on 1st October he checked me and gave me medicines. On 2nd October morning I again felt severe pain and some blood came from my mouth I informed the same to the doctor and then he advised me to get hospitalized after that i was hospitalized in Neptune Hospital till 6th October 2016.

As mentioned in my Indoor case paper History sheet report that at the time of admission i was having following problems:

Severe pain in throat
Difficulty in Swallowing (Odynepgagia)
Blood Stained Sputum
Fever
Cough and Cold
Ulcerative Pharyngitis
I am unable to understand in spite of all the above problems how hospitalization in not justified. If a senior doctor like Dr. Sandeep Sindhu who is also a consultant in Apollo Hospital has treated me and hospitalized me is not justifiable. Does Apollo Munich is challenging the integrity of the hospital and the doctor.

In today's time where even a person with fever is hospitalized and have no issues in getting their claims. I have suffered a lot beside fever and my claim is rejected I am feeling like cheated by the company. Is this for the customer takes insurance policy or Apollo Munich policy is like this that when patient is about to die then only they allow patients to get hospitalized.

This a pure case of consumer harassment and I hope some top officials of the company look into these matter and get my genuine claim released as soon as possible because if this is the kind of services the company is providing to its customers then sorry to say its is depleting the company's brand and cheating the customers should be the main logo of the company.
Rajiv
Ph no: [protected] (company can contact me on this number in case company feel to help their customers which is not the case until now)