Grievance regarding medical insurance claim

I met with an accident on 2nd may 2015 around 5:20 after returning from job with my bike and an crane loaded truck. since due to heavy accident, i was unconsious that who took me to which hospital .though i provided my father no to inform them. when i was concious i met with my close friend. he narrated the whole story and then after he told me that hospital wanted you admit for around 3days since major injury was there like nose was broken, my upper throat was also shifted out ward, lips where teared and on eye brose adeep cut and lots of internal brokage was there . As i was directly hit on face . since i was admitted in MAX hospital . he told me that my father is not able to bear that much money as they already charged Rs 47000 and asking for more money for futher treat ment. since we were not having that much money we have discharged from hospital and it is clearly mention that i have been forciblly discharged. then i started my futher treat ment from my near by house local doctors and i have spent more money on it around Rs40,000.

When i was little bit cured i registered a claim for health insurance which i took at the time of bike insurance from ICICI Lombard. They told me to send the whole document attach with their form . so i arranged the document from police complain till doctor signatures who treated me at the MAX. and sended them though i have spent few more money and wasted my time running here and there to arrange document. so one day i recieved a confermation mail . and then a call and he asked me that are you discharged before 24 hours i said yes from first hospital. then on one day i recieved a mail that SINCE I WAS NOT ADMITTED TILL 24 HOURS SO THEY CANT PROCESS THE CLAIM AMOUNT. i was shocked and i call to them and again i requested them even sended a mail that why i was not admitted to hospital till 24 hours. and they said sorry we cant help you its our terms and conditon. though even when i purchased the insurance he told me nothing about that though asking many a time from their sales persons.

Santosh Kumar Maurya
Mahavir enclave-2, New delhi 110059
Email: santkr.maurya[ / 27/08/2015 / 3:02 pm

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