Religare Insurance — complaint no. [protected]

Address:	174315
Website:	www.religarehealthinsurance.com

Dear insurance team

As per complaint no. [protected] provided by you (Bearing irda token no.[protected] for processing of cashless facility al no. 80171369 of travel insurance policy no. 11907261.

I would like to know below queries from you that as per your communicated on dated 03/05/2018 (In reference to my communication on dated april 27, 2018.), you are only reply us that “patient is a known case of hypertension and thalassemia prior inception of the policy. However, this medical condition was not disclosed at the time of applying for the policy with us”

1. Hypertension is not the disease, it was the only symptoms due to chest congestion you can ask/verify from the doctor vishal sharma (Treating doctor) from where we have taken treatment (Document for the same already submitted). Even you can see the discharge advise no medication advice for bp. If he has disease if bp than why not doctor recommended the medication of hypertension.

2. Where in our document it was mentioned the case of thalaseemia to patient was existing disease which i had not disclose

I already explained you that during the admission of mr. Dev raj on 2017 at alchemist hospital he was suffering from high cough due to chest congestion which i mentioned during the purchase of policy.

I want the voice recording during online purchase of policy, which you told that our voice is recorded in recording line. During purchase of policy and in the policy document you never asked to providing the discharge summary of inpatient record history of mr, dev raj or any client, where as when we are applying for new claim of insurance you are asking us for providing the discharge summary also you had forcing to submit more than 48 months older record of mr. Dev raj during verifying the cashless claim and your team member told it is required otherwise claim will rejected.

Your behaviour during processing of claim is very impolite. I believe on the religare insurance co. That such a big company dealing appropriately, but now i feel you try to manipulate your rules that we are hiding the medical condition of patient at the time of applying for the policy. If such are the case than you are cheating the innocent people who are honest and providing the all information during purchase of policy. If any person suffering from breathing that

“ ek aam admi doctor ko bolta hai ki dr, mujhe sans lene main problem hai, meri chest main kuch jama hua hai (Sputum) he did not know the medical terminology or during treatment doctor start checkup with heart beat, throat, blood pressure etc.