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Dear Sir,
My director has renued their Family Mediclaim from your Mehsana Branch.The insured amount of each members are different & paid premium on the total insured amount.My director Sir has recently under go for Coronary Angiography.At SAL hospital Now we have requested Sattlement Amount of Rs.3, 20, 000 Now received Sattlement Intimation Voucher from your Co.of Rs.2, 00, 000/- (Rupees Two lacs Only.)
I have informed by insurance company that company bear only Rs.2, 00, 000/- because upper limit fixed by company for some medical treatment from the year 2007.
Then why don't intimated by your agent or staff at the time of renewal of policy.If any one has coordinated for the same then why we pay premium of insured amount of Rs.3, 00, 000/-
Please reply by returned mail.for what to do ?
Rgards
Ashwin H Ka'patel
[protected]
My director has renued their Family Mediclaim from your Mehsana Branch.The insured amount of each members are different & paid premium on the total insured amount.My director Sir has recently under go for Coronary Angiography.At SAL hospital Now we have requested Sattlement Amount of Rs.3, 20, 000 Now received Sattlement Intimation Voucher from your Co.of Rs.2, 00, 000/- (Rupees Two lacs Only.)
I have informed by insurance company that company bear only Rs.2, 00, 000/- because upper limit fixed by company for some medical treatment from the year 2007.
Then why don't intimated by your agent or staff at the time of renewal of policy.If any one has coordinated for the same then why we pay premium of insured amount of Rs.3, 00, 000/-
Please reply by returned mail.for what to do ?
Rgards
Ashwin H Ka'patel
[protected]
i was working as an insurance co-ordiantor for a hospital for over 8 yrs.from my xperience what i realised is that the insurance co is the real beneficiary.pts come to hospital with the impression they are fully covered by the insurance.but the fact is that when hosp applies for cashless authorisation, the amt sanctioned is less than even the actual xpense.there r even pts who resist to pay and keeps that portion above the authorised amt pending in hospital with promise to pay on review and even lose for follow up, making the pending irrecoverably pending.worse is when authorised amt is above the actual bill.in that case what happens is when the hospital receives the cheque, a good amnt will be disallowed from the actual claimed amt with a note that those are not covered under the policy.how will the hospital get the details abt every individuals policy details?the key is vigorous follow up from both the hosp side and pt side for their respective claims.never give up..wish u all a good health .
farzana
farzana
Venkat Narayan (Mob:[protected] / [protected]) e-mail : [protected]@gmail.com
I had, on 30th May, 2010. purchased a LG cookie mobile phone which carried a free insurance policy against loss/theft of the handset from United India Insurance, handed within packed box.
On 02nd July, my handset was stolen. On the same day, I had lodged a Police FIR and blocked the Airtel Sim card and procured a duplicate, since these were preconditions the the Policy. On the very next day, I had couriered the claim-form with notarised copies of complete documentation with my e-mail id and alternate phone-contant-numbers.
After waiting for 18 days with no acknowledgement from the insurance company, I have also e-mailed a request to atleast acknowledge receipt of my claim and to intimate to me the fate of my claim.
In reply, I have complete silence from the Company. Apparently, both the Insurance company and the LG are luring gullible customers with fake insurance-policies that actually mean NOTHING. It is most shocking to find a PSU insurance company functioning like this.
Venkat Narayan, Navi Mumbai
I had, on 30th May, 2010. purchased a LG cookie mobile phone which carried a free insurance policy against loss/theft of the handset from United India Insurance, handed within packed box.
On 02nd July, my handset was stolen. On the same day, I had lodged a Police FIR and blocked the Airtel Sim card and procured a duplicate, since these were preconditions the the Policy. On the very next day, I had couriered the claim-form with notarised copies of complete documentation with my e-mail id and alternate phone-contant-numbers.
After waiting for 18 days with no acknowledgement from the insurance company, I have also e-mailed a request to atleast acknowledge receipt of my claim and to intimate to me the fate of my claim.
In reply, I have complete silence from the Company. Apparently, both the Insurance company and the LG are luring gullible customers with fake insurance-policies that actually mean NOTHING. It is most shocking to find a PSU insurance company functioning like this.
Venkat Narayan, Navi Mumbai
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It is really embarrassing/pathetic when the time comes to reimbursement it all goes at snails pace.
Even I have faced the same thing..reimbursement aside, they don't even bother to call/mail either end sufferer/client, but however it is not same incase while collecting premiums & are done at Jet's pace.
Actually this could be my perception with my case, but you we should let such authorities do these mistakes.
I suggest to submitt the greviance same in writing...to respective branch from where the policy was brought & also mail [protected]@uiic.co.in see the response.
You know their slogan...We cover & you Recover.. I think it is they cover & recover both.
Wish good health...
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Regards,
Rakesh.HC