[Resolved]  Max Bupa Health Insurance — Have a heart attack MB denies cash less. Dr says take no tension . MB says donot worry we are there and will ensure that you remain in tension

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New Delhi, Delhi

Claim number 101932 On facing a Heart attack situation i got admitted to Hospital and was advised for Angio and then carried out angioplasty and cashless was denied by Max Bupa . however i paid the bills and submitted my claim on 20.9.2014 and while I was waiting for the settlement ( as per their norms it gets settled with 15-21 working days) and was surprised to see the status update as on 28.10.2014 raising an objection . Infect the answer to the objection has already been given in the forms filled during the verification visit of their representative. It seems that the objection has been raised just to cover up the gap on the part of Max Buda. While I tried to explore the same with ONLINE CHAT with one of their representative Mr Prashant and the same is also enclosed. While going through the chat, I am quite surprised that the person is not ready to answer to the specific query raised by me but he is trying to best deviate from the topic. On again and again asking the specific question he still was not in a position to answer and further on being cornered that as per your answer only, why things have not moved or still not moving, he has no reply. This means that the ONLINE chat is just a time waste and the people sitting there has no knowledge or even authority to reply. They are just there may be to get new customers with their company but are unable to handle the existing clients. ( one must go through the attached chat and analyse the replies of Max Bupa representative) Max Bupa must mention on their site that existing customers should not try any means of approaching the MaxBupa, they just should remains on the mercy of MAXBUPA people. This is certainly not expected from the company like MaxBupa. When its time to take policy the agents and even company people are there to reply all queries but when it comes to the claims, they all are there BUT for cashless denial as well as raising the objections only and that too beyond time limits being prescribed by themselves only. Utterly disappointed with the MAXBUPA service and will not recommend this name to any one . It seems that Max Bupa feels that patients go intentionally for Heart attack to have the claim from them. And MAX BUPA TEAM is there for not to provide support and cooperation AND stand there to deny everything. Under disappointment and that too after the Angioplasty. This itself is more disturbing and Doctor says do not take tension and Max Bupa says do not listen to doctor we will not leave anything unturned for keeping you in tension. I am not sure as how long they will take to settle the claim and moreover will they settle or not and leave a heart attack patient to keep writing them or follow to various consumer forums and consumer courts. They are there to take premium for the policy with the main intention that incase the claim comes, they will first deny cashless and then keep the patient in tension for the rest of life. While taking the Max Bupa policy, people should be prepared to let them be harrassed by the company.