Life Insurance Corporation of India [LIC] — my medical insurance claim

Address:

New Delhi, Delhi, 110019

Patient name: promila arun bij
Claim number:[protected]
Policy number:[protected]
Patient's member uhid: [protected]
Date of admission in hospital: 11th july 2019
Date of discharge: 13th july 2019
Diagnosis: acute ischemic stroke
Hospital: artemis hospital gurgaon
Total expense at the time of discharge: inr 81000.00
Claim settled by life insurance on 4th november 2019 for only inr 45794.00

My grievance:
I was discharged from the hospital on 13th july at 12:00 noon. The settlement did not come from life insurance (Tpa) till late evening. I could not have waited in the corridors with holter machine attached to my chest all day so we had to pay the bill ourselves and leave the hospital. Later in the evening we got a message that inr 65000+ has been approved by tps/life insurance department but we could not avail that as we had already paid at the hospital. Later we submitted all the documents for reimbursement. This was done on 14th august 2019. This is when my nightmare started. Every time i would send someone to their office in east of kailash or noida to check on the update; i would get to hear "you have not deposited this document or that document" which would finally be found in their file. Either they would say, we have sent you a query letter and you have not responded... So one excuse or the other but i kept submitting the documents again and again as per their demand and kept following up by visits and phones. Finally the settlement came into my account as late as on 4th november i. E. After 2 and half months and that too only for inr 45794.00. I fail to understand why and how did it reduce by almost 20000 rupees from the last approval. Why did it take so long when they already had approved the payment on 13th july itself. I am firstly a retired person and on top of it a brain stroke patient trying to recover, do you think this kind of stress and attitude will be helpful to me. I have been diligently paying my annual subscriptions for last decade and this is what i get that too for such a small amount? Will someone come forward and take the responsibility of treating us citizens with little better attitude? Is this why we are loyal to our national insurance and not going to private players in the same domain? It is highly unacceptable and i feel so helpless. I have now spend inr 20000.00 more on my follow-up treatment i. E. Mri of the brain and spine + ecg + blood tests. How should i apply for reimbursement of the same? I hope somebody will take necessary action to settle my complaint.