Apollo Munich Health Insurance — Re-enforcement of the policy and settling the claim of the Case Id [1697070]/ Policy Number [AA[protected]] CRM: 0002312

Address:

Rajkot, Gujarat

With the above mentioned subject I would like to draw you attention to the episode undergone by me To begin with, Last year in the month of January I took your company’s health insurance policy. As per telecom with the third party insurance seller (Policy bazar) I quoted EVERYTHING that was asked and EVEN disclosed my pre medical history. Here, during the conversation with the agent, I was informed that, since my age was 26 (during the inception of the policy, - Age in Approx.) I need not to undergo any medical checkup neither the past history is required. In the midst of the conversation I even revealed about my hospitalization during the year 2013 but again, he quoted that, it is not required to be mentioned. Now under the same scene, I received my policy wordings and they were in concern with guidance given by the third party insurance seller and I approved it by sending a concern via mail during the same clock I received the mail. Being very specific, though I quoted to the third party about the pre hospitalization, I was mis-leaded saying that, mentioning pre-history due to young age is not required and hence I sent my concern for accepting the same via mail With the pace of time I renewed it again in the month of January 2015. Unfortunately, in the month of June-July 2015 I got hospitalized on account of acute stomach pain. I took my initial treatment from WOCKHARDT hospital Rajkot. Here, as per rules all the papers were sent to the company but even though the cashless claim was rejected. I underwent treatment for GALL BLADDER under PHYSICIAN AND SURGON of the same hospital. At this junction I saw the policy wordings where it was mentioned that this treatment had waiting period of around 2 years and the rejection of the claim due to this reason was justifiable. Moreover, to clarify, doctors even mailed to the company that, my current hospitalization had nothing to do with my past hospitalization history To my surprise, I got a letter which stated that claim was rejected and policy was terminated due to non-revealing of the fact that I had G6PD deficiency wherein, I already mentioned about my past hospitalization to the agent during taking of the policy. Meanwhile, during the treatment, doctors mentioned I was having cancer spot (initial stage) in the gall bladder and due to which they made up the decision for removal of gall bladder and the connecting bile duct along with small part of wall of the leaver. Traumatic situation it was!. Fuel to the fire was added by the termination of policy Then on, after my surgery, I tried connecting to the company via mail but did not get any appropriate revert. On the 3rd of August 2015 received policy termination letter. Not stopping here, I kept on following the company officials via mail from the month of July onwards Secondly, I asked your company and the third party seller to provide the VOICE RECORDINGS taken during the time of taking the policy. But no one reverting on the same. On the other hand, they are charging time for no reason and are reverting very late. On this note, I would urge the company to look into the matter and re-enforce the policy and settle the claim as this surgery was done on the parameters of cancer Regards Nimit Jagdishbhai Ganatra