Royal Sundaram Health Insurance — Refusal Of Claim on false grounds
Kind Attn. Mr.Ajay Bhimbat,
Dear Mr Bhimbat,
RE POLICY # HO OOOO[protected] CLAIM HR 00028464
I take this opportunity to put to your kind attention that i am a policy holder for the last 3 years and never taken any claim against the policy. Since the last 2 years i started getting some pain in my legs and back, slowly it started progressing during walking. and i was prescribed pain killers etc. The pain started getting worse and upon investigation was diagnosed with ostoperosis arthertis.
I was advise a hip replacement surgery and underwent the same at Max Institute in New Delhi. Now it was the time to apply for my claim as a right because this is what we insure ourself for. Any eventuality etc etc. Right from the start first they refused the cashless facility suggesting me to go for reimbursement. The mental and financial agony caused to me on account of the refusal just before my operation was not enough as when i applied for the reimbursement that was also refused on flimsy grounds that it appears to be a pre existing condition. It is clearly unfair to handle patients aking for relief in this manner. Would i have waited to take a insurance claim for 3 years and then get myself treated? My physical condidion is much more important to me than financial matters. It is a trauma going through surgery but this financial burden added to it.
What is the use of getting Insured when your officers are insensitive and unjust to genuine claims. I wish to express my regret and unhappiness over this episode and request you to kindly depute a responsible person to take care of my claim in a right and just manner.
Your intervention would be very much appreciated in this regards.
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