[Resolved]  TTK Healthcare Tpa Pvt. Ltd — TTK authorized letter and amount has been withdrawn without any specific reason after the surgical process

Address:

Bangalore, Karnataka

I am an employee of HealthAsyst Bangalore(1356). Few month backs (2months), i faced some nasal problems , for which i had consulted Manipal
hospital for a check up as it was closer to my office. After undergoing few diagnostic tests , they have identified it as "B/L Sinonasal Polyposis With Pan Sinus".


My Dr Girish Rai recommended to resolve this problem through a surgery called Endoscopic Fronte ethmoidectateral Surgery (surgical removal ) and suggested to do the operation at the earliest. .

Based on this, I had send a pre-authorization request through Manipal Hospital after consultation with the ENT Department for getting Insurance Approval on 19-Jun-2010 from TTK. As I received the approval on 20-June-2010 for Rs.20000 from TTK through SMS and the hospital received the same via fax. Hence I decided to get the further treatment at Manipal itself, else I was planning to get the surgery done in my native.

Based on these, I got myself admitted for surgery on 24-Jun-2010 and i availed myself the cashless facility.

The surgery happened on 25-June-2010 and when i was about to be discharged from the hospital on the next day, i was told to pay-up Rs.32,517 from my pocket as TTK had withdrawn the earlier approval they had sent which put me off both mentally and financially.

The reason for denial as per TTK was due to a 2 year exclusion as per policy terms and conditions and hence cashless access was denied.

I would like to know why a sum was approved without checking the policy terms and conditions, there negligence is making me suffer financially, else I would have planned it in a better way. .If I had been properly intimated about this i would have opted for a surgery in my native place at the fraction of cost, that too at a later date . I suspect a foul play and feel cheated and robbed by two institutions.

Because of all this I had to avail a lone which has to be repaid now. Kindly look into this and get the back to me .