[Resolved] United India Insurance / Mediclaim

[Resolved] United India Insurance / Mediclaim — Settlement of Claim

B bankim doshi from Pune, Maharashtra

Complain Against Medi- Claim Policy o[censored]nited India Assurance Co. Ltd. I am holding medi claim insurance policy o[censored]nited India since almost 10 year for Rs. 5 lacs which was converted to Rs. 7, 50, 000/- since past two year under their cash less scheme Recently I undergo for the by-pass surgery for which request was made to the company for the settlement of the claim amount for Rs. 3, 60, 000/- to the hospital but I was been told that insurance company will not bear any charges more then Rs. 2, 00, 000/- as per the new term and condition issued by the head office. I like to know feed back from company that if you have upper ceiling of Rs. 2 lacs then why they had issued the policy which is worth of Rs. 7, 50, 000/- and charge the premium to the client. Also like to know that why you had not inform separately to each of the policy holder regards to the same since in most case such wording mention in term and condition of the policy never read by policy holder at the same time agent of the company also not inform to client regards to the same I was also inform that due to representation made by several people the rule which was brought in was removed, but the same will be applicable only to those policy which will be renewed from March 2009 onward. Again this is wrong on part of insurance company because when you had not change any premium or any other details then why it should be for all the policy holder rather then just new policy I will also glad if any one at this forum can reply a solution to get the claim my email ID is [protected]@tcmail.co.in Was this information helpful? No (0) Yes (0)
Aug 13, 2020 Complaint marked as Resolved
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Comments

Rakesh Chheda

from Delhi, Delhi

Dear Anjana,
It is really embarrassing/pathetic when the time comes to reimbursement it all goes at snails pace.

Even I have faced the same thing..reimbursement aside, they don't even bother to call/mail either end sufferer/client, but however it is not same incase while collecting premiums & are done at Jet's pace.

Actually this could be my perception with my case, but you we should let such authorities do these mistakes.

I suggest to submitt the greviance same in writing...to respective branch from where the policy was brought & also mail [protected]@uiic.co.in see the response.

You know their slogan...We cover & you Recover.. I think it is they cover & recover both.

Wish good health...

----
Regards,

Rakesh.HC

Ashwin H Kapatel

from Kolkata, West Bengal

Dear Sir,
My director has renued their Family Mediclaim from your Mehsana Branch.The insured amount of each members are different & paid premium on the total insured amount.My director Sir has recently under go for Coronary Angiography.At SAL hospital Now we have requested Sattlement Amount of Rs.3, 20, 000 Now received Sattlement Intimation Voucher from your Co.of Rs.2, 00, 000/- (Rupees Two lacs Only.)
I have informed by insurance company that company bear only Rs.2, 00, 000/- because upper limit fixed by company for some medical treatment from the year 2007.
Then why don't intimated by your agent or staff at the time of renewal of policy.If any one has coordinated for the same then why we pay premium of insured amount of Rs.3, 00, 000/-
Please reply by returned mail.for what to do ?
Rgards
Ashwin H Ka'patel
[protected]

farzana

from Thiruvananthapuram, Kerala

i was working as an insurance co-ordiantor for a hospital for over 8 yrs.from my xperience what i realised is that the insurance co is the real beneficiary.pts come to hospital with the impression they are fully covered by the insurance.but the fact is that when hosp applies for cashless authorisation, the amt sanctioned is less than even the actual xpense.there r even pts who resist to pay and keeps that portion above the authorised amt pending in hospital with promise to pay on review and even lose for follow up, making the pending irrecoverably pending.worse is when authorised amt is above the actual bill.in that case what happens is when the hospital receives the cheque, a good amnt will be disallowed from the actual claimed amt with a note that those are not covered under the policy.how will the hospital get the details abt every individuals policy details?the key is vigorous follow up from both the hosp side and pt side for their respective claims.never give up..wish u all a good health .
farzana

mrvenky005

from Mumbai, Maharashtra

Venkat Narayan (Mob:[protected] / [protected]) e-mail : [protected]@gmail.com

I had, on 30th May, 2010. purchased a LG cookie mobile phone which carried a free insurance policy against loss/theft of the handset from United India Insurance, handed within packed box.

On 02nd July, my handset was stolen. On the same day, I had lodged a Police FIR and blocked the Airtel Sim card and procured a duplicate, since these were preconditions the the Policy. On the very next day, I had couriered the claim-form with notarised copies of complete documentation with my e-mail id and alternate phone-contant-numbers.

After waiting for 18 days with no acknowledgement from the insurance company, I have also e-mailed a request to atleast acknowledge receipt of my claim and to intimate to me the fate of my claim.

In reply, I have complete silence from the Company. Apparently, both the Insurance company and the LG are luring gullible customers with fake insurance-policies that actually mean NOTHING. It is most shocking to find a PSU insurance company functioning like this.

Venkat Narayan, Navi Mumbai