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Hi, Even if the policy is group basic policy there is a 80% of claim amount on total bill or up to covered amount. Pl verify terms & conditions of policy document, where in all charges payable are avialable, so that you can aware what you can claim & if there is still difference in claim amount, then insist the insurer to settle the claim according to terms & conditions of policy. Insurer cannot say not to insist claim because of you are having group policy.
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