[Resolved]  Apollo Munich Health Insurance — claim rejection for claim id 1164895 of thelikicherla seetapathi rao covered under uhid no. [protected]

Address: Advocate, District courts, Vizianagram 53503, Vizianagaram, Andhra Pradesh

I have taken insurance policy for rs 5 00 000.00, before issuing policy they
Have conducted pre medical test and after being satisfied with the findings
They have issued policy, by eliminating claim to prostrate and any related claims. I was hospitalized at hyderabad at sri sri holistic mr mr19022081 and admitted on 07.09.2019 and discharged on 08.09.2019 with complaint of shortness of breath associated with sweatings since 1 day, chest discomfort since 07.09.2019. I have claimed rs. 21100.00 which later disallowed on the ground that i have not produced 1. All prescriptions of joint pain since 30 years, though i have complied other two items.

On 02.07.2018 i consulted dr. M. Shankar rao, orthopedic for knee pain at right leg, he prescribed some tablets, after its use i was relieved from the pain and i also forget it. Now the insurance company claimed that i did not disclose the fact of pain in the right leg at the time of pre medical test. The insurance company apollo munich disallowed the claim on the ground that i am suffering from ostio arthiritis, without seeing the patient, without conducting any laboratory tests
The action of the insurance company shows that they want to evade the claim with some pleas, which was not new to them since i have seen so many consumer cases against the company for such of their acts.
Will you please settle the matter basing on natural justice.

Seetapathirao,
Advocate d/ 11.01.2020