To dated[protected]
1. General manager
Insurance regulatory and development authority of india (Irdai)
Consumer affairs deptt - grievance redressal cell.
Syno. 115/1, financial district, nanakramguda,
Goachibowli, hydrabad-500032.
2. Medi assist india customer care,
Sri krishna arcade, 47/1, 9th cross
1st main road, sakki industrial layout, 3rd phase, j p nagar
Banglore distt., karnataka. 560078
3. Axis bank limited.
6th floor, axis house, bombay mill compound,
P b marg, worli, mumbai-400025.
4. Mr. Y k rao, chief manager
The oriental insurance co. Ltd.
Customer service deptt
4th floor agarwal house,
Asaf ali road, new delhi-110002
Sub: - complaint regarding denial of claim no 17850073 policy no 124500/48/2018/3711_p (Medi assist tpa pvt. Ltd.)
Dear sir/mam,
My name is ankit garg. I have a group medi claim policy from the oriental insurance co. Ltd tpa by medi assist insurance tpa private limited through axis bank employee no. 29428 policy no. 124500/48/2018/3711_p medi assist id [protected] policy period was from 01/10/2017 to 30/09/2018.
The dependent in this policy was my wife who’s insurance was free and my parents who’s premium was born by me as per company policy.
My mother smt neeru garg medi assist id [protected] insured in the same policy was admitted in hospital rameshwar dass memorial hospital jagadhri doctor parveen garg on 15 august 2018 which was not on panel of medi assist. She was suffering with pneumonitis right side. As per the medi assist policy for the claim i have intimated to them regarding her admission on the same day under intimation no. 10655216. My mother was diagnose by the doctor for 10 days and was discharged from hospital on 24 august 2018. At the time of discharge we have taken all the necessary documents regarding her admission, diagnoses, reports, bills, case summary, discharge sheet, payment receipts etc to submit to medi assist. All the required original documents with x - ray reports was dispatched to medi assist and received by them on 15th september 2018 as per one-month policy after discharge tracking ref no was mum00318498. The same duly acknowledged. The claim status was showing as in progress. Although in one shot we have completed all the documents. Even then medi assist demand an addition requirement from hospital on 18th september 2018 against which we have taken the same from doctor and courier them on 20th sep 2018 which was received by them on 22 september 2018 under pod no. 79949782 skyline courier. After receipt of the letter the claim status was showing as in progress till 09 january 2019.in this period i have contacted to them several times through toll free no., e-mails, and was tracking on medi app and on link provided by them. I was given the information that your claim was under investigation in the month of october, november.in december i come to know that the positive investigation report is submitted by the investigator as he visit in the hospital and cross check all the bills, reports, discharge summery, diagnose, id proofs of my mother etc and found ok. Again i started tracking my claim. Many - many times it happens that the call centre people make my call on hold for a very long time and then disconnected without giving any status. I have send many trail mails on [protected]@mediassistindia.com but except two three times i did not get any response. Now on 28th december 2018 they again request a letter from the hospital stating the recommendation of 10 days hospitalisation from the doctor which we have send to them on 31/12/2018 under pod no. 83786448 received to them on 03/01/2019.
Now on 11th january i come to know that my claim is being denied by medi assist due to the clause 5.5 claim documents not submitted within three months and on maximum 3 reminders.
I just want to know my fault where i am lacking. Every time when they demanded a document from us, i provided the same within 10 days. Investigation process takes approx. 2 months then where is my fault that i have not completed all documents within 3 months. Even when they demanded letter from hospital on 28th december 2018 (Which was not required) and if required why not asked earlier in last three months, i have provided them within 10 days.
Again i called them up to recheck the same on 11th jan 2019 and register a complaint on their toll free number against complaint no. 5966013. On which they ask me to wait for 3 working days and the claim will get approved. Still the same is showing as denied.
Now whenever i am trying to contact them on their toll free number they are just putting my call on hold. On mail no response is given. Even medi assist customer care escalations is not picking my phone. Is this the way to treat a customer query? I did not create a forged admission of my mother. You can check it at any time. Then why my claim is denied.
My claim is denied intentionally by medi assist and just to pass three months to apply clause no 5.5 they took 2 months of investigation. And still demanding more documents.
My request to all of you to please look into the matter and resolve as soon as earliest possible to avoid any legal escalations in consumer court.
For more information if you require any documents regarding claim, please contact me on below number or on mail.
Hard copy send today
Regards
Ankit garg
[protected]
[protected]@gmail.com
Medi Assist India customer support has been notified about the posted complaint.