Mdindia Healthcare Services — Settlement of claims

Address:	Bangalore, Karnataka, 560076
Website:	[email protected]

My policy No.620701/34/15/[protected]. In this policy I am getting SMSes
from MD India about the submission of cashless scheme and settlements. But the SMSes do not contain the nature of queries raised by you with the hospital and also the sum (amount) involved. I suggest that your SMSes should contain these details for the benefit of the insurer as these corporate hospitals do not properly interact with the patients either on the billing or the necessity of certain tests. In fact they simply take signatures of attendants and proceed with the treatment of the patient without informing the expenses involved from time to time i.e without bothering about their capacity to bear the same. Also the various charges are not displayed in any prominent place for the benefit / information of patients. The attendants sign all papers in emergency (having no time for application of mind at that time) and the same are taken as a cover by the hospitals should there be any questions. This is what I found here. In my above mentioned policy neither the hospital nor MD India informed me the amounts/queries involved between the hospital and MD India. You may take cover on some pretext or the other. The attendants of the patients are normally under stress and may omit to enquire. But as a matter of caution you should disclose these particulars too. In my case the mere ignorance of the pattern of charges linking to the category of the bed cost me about Rs.41, 000/- As against the bill of the hospital for about Rs.60, 00/- You allowed about Rs.19000/- . You can imagine the value of the amount lost for a senior citizen. The Banks send smses to its customers, from to time, not to disclose the PIN / Pass words etc. as a matter of precaution. Similarly, you should disclose in the sms these important details too. Otherwise what purpose the SMS will serve? I am going to write separately on this to you as well as the Insurance Company. Meanwhile, pl. ponder over this and implement my suggestion/ address the complaint...K B Rama Murthy