Religare Health Insurance — Health insurance claim rejection on irrelevant grounds | |||||
We have health insurance from religare health insurance for my parents (father & mother) of which the policy no is 10416470.I upendra kumar prajapati is the policy holder and i have opted this insurance online when i was in australia, while lodging the application online i missed to check the check box which states that either of my parents have hypertension as i was not aware of this. Unfortunately my father met a random accident when he skidded in the bathroom and had a hip fracture at sagar at our residence. He was unable to even stand up. On consulting to a local doctor, we got an impression that it could be a critical fracture. We without any delayed booked an appointment with dr.Sangatani at ortho relief hospital nagpur and get treated. He diagnosed and confirmed the neck femur bone breakage and adviced operation. My father got operated and had to stay there for a week approximately, on his return to residence. We have submitted all the invoices, medical certificate, fitness certificate and the insurance format which religare team recommended. After waiting and consistently chasing for a long time, we get a response that the claims were rejected. On our inquiry the reason given was that, hypertension was undeclared while applying for the heath insurance. I would like to highlight that, 1) the accident was due to random skidding and per the hospital pre-admission check there was no symptom of hypertension. 2) reason of claim rejection mentioned was unjustified as the treatment was of tehe hip bone fracture and not of hyper tention 3) before the policy approval the religare has asked the policy holder to visit a local pathology to get the check-up done which include, blood test, urine test, hypertension and few other test on getting those right the police was approved by religare team hence at later stage its unnecessary to reject based on those grounds. I request the authority to kindly end up this monopoly by the insurance companies and made the process transparent. I also request to get me my amount reimbursed and get the claim approved. Was this information helpful? | |||||
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Religare Enterprises customer support has been notified about the posted complaint. | |||||
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Religare Health Insurance — Health insurance claim rejection on baseless ground
We have health insurance from religare health insurance for my parents (father & mother) of which the policy no is 10416470.I upendra kumar prajapati is the policy holder and i have opted this insurance online when i was in australia, while lodging the application online i missed to check the check box which states that either of my parents have hypertension as i was not aware of this. Unfortunately my father met a random accident when he skidded in the bathroom and had a hip fracture at sagar at our residence. He was unable to even stand up. On consulting to a local doctor, we got an impression that it could be a critical fracture. We without any delayed booked an appointment with dr.Sangatani at ortho relief hospital nagpur and get treated. He diagnosed and confirmed the neck femur bone breakage and adviced operation. My father got operated and had to stay there for a week approximately, on his return to residence. We have submitted all the invoices, medical certificate, fitness certificate and the insurance format which religare team recommended. After waiting and consistently chasing for a long time, we get a response that the claims were rejected. On our inquiry the reason given was that, hypertension was undeclared while applying for the heath insurance. I would like to highlight that, 1) the accident was due to random skidding and per the hospital pre-admission check there was no symptom of hypertension. 2) reason of claim rejection mentioned was unjustified as the treatment was of the hip bone fracture and not of hyper tention 3) before the policy approval the religare has asked the policy holder to visit a local pathology to get the check-up done which include, blood test, urine test, hypertension and few other test on getting those right the police was approved by religare team hence at later stage its unnecessary to reject based on those grounds. I request the authority to kindly end up this monopoly by the insurance companies and made the process transparent. I also request to get me my amount reimbursed and get the claim approved.