| Address: | 1708 TOWER B GAUR CITY 2 NOAID |
| Website: | www.apexinsurance.co.in |
To,
M/s. Apex Insurance Broking Services Private Limited.
Madhapur, Hyderabad -500081
Kind Attention: - Madam Prachi Sadaphal / Anil Sir
Sr. Manager
Ref: - Claim Number: - HYD-0823-CL-0000604 – Puneet Verma
Respected Sir/ Madam,
Please refer to your trailing email on the subject matter,
We deeply regret the over-delay in approaching your good self now, you can feel and estimate that the social rituals in respect of the deceased son takes time to finally settle down with a little amount of peace in mind, really very sorry.
We, as a family members, have undergone the situation and circumstances in reality during the period since beginning of the illness of Puneet Verma till his last breath.
In brief, as a matter of fact, last year he suffered from jaundice basically and was under regular treatment, but it was not improving, he was taken to the Institute of Liver and Binary Sciences, Vasant Kunj, New Delhi, for specialised treatment, where he was admitted ONLY in GENERAL WARD, with a view to taking his proper investigation and care. Since he improved a lot, he was discharged in FIVE days only and further advised to attend the OPD in hospital regularly in consultation with Senior Doctor Mr. Vinod Arora, which he continued regularly as per doctor’s advice and took the regular medicines and tests as prescribed from time to time.
It was unfortunate on July 22nd and 23rd, 2023, that he fell sick with fever, he was immediately taken for consultation with the family doctor. At the time of consultation, his medical history regarding jaundice, etc. was explained properly as a precautionary measure to the doctor. All the medicines and diet schedules were followed properly as prescribed. However, the next day he was having complaint of loose motions, but the next morning he was good enough and healthy without any doubt and taking all medicines.
Now, next the problem started when his legs started swelling by noon, and by late evening, instead of any improvement, he was unable to stand and walk, and the swelling was increasing, including on his stomach side. Upon this, we decided to take him to the ILBS Hospital, where he was admitted in EMERGENCY on the night of July 27, 2023.
The doctors on duty in the hospital, after studying the investing reports and medicines he was taking at home, as advised by the family doctor. They informed that the “MEFTAL” medicine had not suited his body and reacted strongly, resulting in the present situation at that time. We were further instructed to be careful strictly not to take “MEFTAL” group medicine in the future. He was shifted to the ICU, and after the primary tests dated: - 28th Jul 2023 (test reports appended for your ready reference in sequence date-wise till his treatment in ILBS), the very first report revealed that merely and solely the MEFTAL tablet had very badly affected both the kidneys and advised to go for dialysis. As a result, one of the kidneys improved and started functioning properly. The next day, when they decided to go for the second dialysis, it was found that the second kidney had automatically improved and started functioning properly. as can be studied from the reports appended for your kind perusal. However, due to such an infection/ reaction, it was told to us that his lungs and liver were also effected badly and since the liver was already weak, we may have to go for his liver transplant, and we should be ready for that, Still, that can only be taken up when his health has improved, then only. However, the reports revealed that his bilirubin was reported as 11.9 and his creatinine as 0.99.
It will be appreciated that the improvement in the overall health of Puneet Verma was as good as that the ICU In-charge Doctor Ms. Rakhi, advised him to be shifted to the lower ward i.e., Semi-ICU (HDU), and keep him under observation for two / three days. The test reports continued and revealed the increase in bilirubin, but doctors advised that the treatment of the liver shall be taken up separately, but let him improve here, with a view to shift him to GENERAL WARD. On 4th Aug, 2023, it was decided to shift him to General Ward by evening and was given breakfast properly around 10:00 AM.
We will not hesitate to emphasise here, which may please be noted carefully and clearly without any prejudice, that the patient was not suffering from any other ailments/side effect / after effects of anything else as presumed by your good self(Please excuse and don’t take it otherwise) and was in reality got all of a sudden ill, and went under critical condition day by day, fully and only due to the reaction of the Meftal as it will be revealed from the further treatment and physical condition and reports of the patient from time to time and appended for your ready reference.
It is brought to your kind perusal and taking note of it that, the situation of the patient all of a sudden changed the scenario when around 13:00 Hours on the 4th Aug, 2023, after 3 hours of taking breakfast, we were called and informed that some amount of blood was coming from his mouth, and he has become serious. As such being shifted once again back to the ICU. It was revealed that his liver was punctured at three places and since Doctor Rakhi will come on Monday i.e. 07th Aug, 2023, we are taping the liver at three places, further course of action shall be decided when ICU In charge will come back. As can be seen from the reports appended, the patient’s condition went on critical to critical, and the infection reached to the uncontrollable level.
Upon, return of the Doctor Mrs. Rakhi (HOD – ICU) on 7th August 2023 and studying of the critical condition of the patient, she insisted upon the family to sign the hospital papers/ undertaking to shift the patient to the VENTILATOR and simultaneously insisted for arranging liver transplant. She was uncomfortable for his this condition, but said at the same time that during ventilator treatment, we will not give any treatment for the liver but, rather, simply keep the patient under High Oxygen Pressure, which frankly speaking not felt safe and useful by the family, so she refused.
Upon this, she forced us to take the patient to some other hospital, ultimately, we had to decide to shift the patient.
Firstly, we, with great efforts, were permitted to be admitted in ICU in AIIMS, New Delhi., but again, it was really very unfortunate that before we could get clearance from ILBS, there was reported a BIG FIRE at AIIMS at noon, so we were denied.
Then, we tried for Dr. Ram Manohar Lohia Hospital, New Delhi, where ICU was not available immediately despite our sincere efforts and had to be adjusted in Emergency then after General Ward. Despite all efforts by the team of expert doctors, the infection was uncontrollable since the night of 7th Aug 2023. When he was admitted in RML Hospital, till he breathed his last on the morning of 9th Aug 2023 around 06: 50 AM. However, ICU availability was made for us around 07:30 AM, but he was no more there. The story ends in this way, all the family members, colleagues & friends were not ready for this shock. He was our only son, his wife, mother, sister and father are under extreme sorrow and suffering from unexplainable pain which can be realised by any one of you.
At this stage and under the critical circumstances the scene moved like an episode on the screen, we feel looted by one and all, we don’t know what investigation your team members have carried out at ILBS Hospital and concluded the claim as CLD ethanol. As a matter of fact, if the above circumstances and reports / Facts are put up before any Board of Officers, they will not be able to reject the claim we hope.
It is our humble request to very kindly review the case and adopt a sympathetic view to approve the claim to the extent possible. Family is now running on pension of father only; we have gone under debt beyond our capacity and have been left in no way to come out of it. We went on depositing the amount with the hospital only on the hope that the claim shall be approved by the insurance, our trust has been hit strongly. Ultimately, we are left to suffer for whole life, which is not sustainable under laws of equal natural justice and nature.
Thanking you.
Your faithfully
Father, Mother, Wife
Mr. Ved Prakash Verma, Mrs. Shashi Verma, Mrs. Soniya - [protected] / [protected]
[protected]@yahoo.com, [protected]@gmail.com
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