[Resolved] Royal Sundaram Health Insurance — Health Insurance | |||
I had taken out a health insurance policy from Royal Sundaram thro Citibank group insurance scheme for my entire family and had paid premiums for 3 years and paid approx Rs.60,000 in premiums. My wife was diagnosed with cancer during the 3rd year. Since we were abroad, the treatment was mostly covered by my employer's insurance. She was fully cured by the time we returned to India and only one last procedure remained, costing about Rs.10,000. We had to get this done in Apollo Chennai and to my horror Royal Sundaram refused to entertain the claim on the ground that the entire treatment was neither communicated to them nor had any claim been made on them. I am aghast. If the insured had more than one policy, he is free to choose his insurer. In any case Royal Sundaram only covered treatment in India and there was no rhyme or reason to intimate them when the costs were being picked up by a foreign insurer. The arrogance and reasoning was unbelievable. The policy marketed thro Citibank is a complete rip off. Please stay away from this insurer. Srinivasan r.[protected]@yahoo.com Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 1 Comment | |||
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+91 44 7117 7117 [Corp Office]
Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR), Karapakkam, -, Chennai, Tamil Nadu, India - 600097
If the company refuses the claim, you can approach the Insurance Ombudsman of your area. Pleave siti the web site of Insurance Regulatory and Development Authority (IRDA) where you will get the address of Insurance Ombudsman for different regions. www.irda.gov.in .You should give full details of your claim and reply received from the Insurance company in your complaint to the Ombudsman. The Ombudsman can look in to the complaint and give an award which is generally accepted by the Insurance company.
I can't give an opinion on the merit of your case here as I do not have full details of your policy etc.
Read your policy terms well and see that you have complied with all the conditions laid down there.
The Insurance company is bound to provide you coverage for any treatment that you had taken while in India irrespective of whether you had undergone any treatment while residing abroad and claimed insurance coverage for that from overseas insurer.
So approach the Insurance Ombudsman as early as possible with full details of your claims with Royal Sundaram. There is no fee for that, you can write a complaint with details and send it by Speed Post to the Insurance Ombudsman of your area.