This is to inform you i am the holder of Madhur dairy gandhinagar,and i am claim not to dairy for my mediclaim as a holder and as per dairy association they are already inform to oriental insurance company on 17/06/10.but still no one response from the insurance company. please look into this and resolve ASAP and do the needful.

Regards;
mehul

I am employee of voith hydro Pvt limited noida, i have loged a mediclaim in the month of January’2010 from Paramount Health Services thru your service for my wifes delivery, we got this insurance card issued from our company, although i gave all papers subject to claim but i have not received any communication from your side nor the rejection letter. my PHS ID is UI NOI 20154669 VHPL

• For Policies from Private Health Insurance Companies: You will get a Health Checkup coupon at the time of the renewal of health insurance policy on completion of your three of four claim free years. You need to take this coupon to an authorized diagnostic centre (list, mentioned on the coupon) to undergo the check up.
• For Policies from Public Health Insurance Companies: You need to get the ‘No Claim Confirmation’ from the TPA after completion of the required claim free years. You can get a checkup done free of cost upto 1% of the sum assured. Send your original bills to Health insurance Company for reimbursement.

To read more such information see Why aren’t Diagnostic Tests Covered in Health Insurance?

To read more such information see Why aren’t Diagnostic Tests Covered in Health Insurance?

• You are hospitalized due to findings of the test you took. Also note that the tests are payable only if they are a part of your treatment

• If you require these diagnostic tests as part of the treatment for which you are hospitalized. That is if your doctor ordered some blood tests, x ray tests while your stay in the hospitalization, these are payable.

Note: There may be sub limits on these for example – in National insurance, “Anesthesia, Blood, Oxygen, OT charges, surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs and cost of stent and implant. Maximum limit per illness – 50% of Sum Insured.”

To read more such information see Why aren’t Diagnostic Tests Covered in Health Insurance?

To read more such information see Why aren’t Diagnostic Tests Covered in Health Insurance?

This is to inform you that Karvy had offered a mediclaim policy under the renowed name of National India Insurance. They had given us a pamphlet stating
*from the very first day of policy login all the disease except AIDS, Heart Transplant, Knee Transplant, will be covered.
*pregnancy cover after nine months will be covered.
*there will be no capping
*emergency situation will be covered.
apart from these other few promises were given

we bought the policy, we got the cards but received no policy bond details or any conditions etc. We asked for the policy but they said its available on the net.. We just relied on there pamphlet and their representative’s word. We kept on asking for the policy but got no response.
Now in an emergency, I got my wife admitted in Metro, informed the agency, and when again contacted the agency they replied, there is a waiting period of three months. They asked me to look for the conditions on net, there is a login password, which I havent recieved yet. So how can i know about condition,. Karvy people are not replying. I am feeling very cheated and frustrated.
I want to know few things,
How can a company sell their plans giving wrong information on their pamphelets?
Can a company say no for the policy hard paper and ask their clients to rely on internet?.
If this will happen, how can an internet unfriendly people will come to know about the policy?
Isnt this a proper case of cheating and fraud?
Please look into the matter, so that these people wont cheat anyone again.

Kavindra Sachan
Sahara Samay News Channel,
9811946797
Noida

My mother felt cheated now as she paid hefty amount to these people in last 2 years and they rejected the claim when she really needs it. It looks like Star health Insurance is “only” interested in collecting the insurance (May be, this is the reason for selling it Cheap)?

What is the legal way to handle this issue ? Can anybody guide me ?

Ajay Goel
09840563293

Health insurance covers offered under general insurance, include mainly hospitalization covers either on reimbursement or cashless basis. The Third Party Administrators (TPAs) mainly offer cashless service as they have arrangements with various hospitals, who are the service providers. The TPAs also help in reimbursement claims.

To read more see Health Insurance by Life and General Insurance Cos

Health Insurance policies by life insurance companies are long term plans (over 10, 20 years and above)

One of the prime ways in which life insurance companies tend to sell health policies are mostly in the form of investment plans. These are essentially known as Health ULIP plans. However the difference in these plans and others lies with regard to:

• the hidden charges which are high ,
• a waiting period of three years before which you cannot claim,
• High premium rates.

To read more see Health Insurance by Life and General Insurance Cos