To all the prospected customers of health insurance cos.
I feel slugged and looted by Apollo Munich health insurance co. who proclaimed to be the dab hands at the bizzo. They had promised me that all the Pre Policy check up charges below Rs. 300 (INR) would be reimbursed immediately upon issuance of the policy. Sadly they never cared to reimburse a paltry sum of Rs. 160/- only, the payment made towards Pre Policy check up of my wife at a Hospital / Facility designated by Apollo Munich.
After aboutr four months and a fierce condemning Email and a subsequent complain with IRDA they paid only Rs. 100 lmao!! They can’t even reimburse 160 Rs. How could a customer expect to get lacs of Rs. from those cheeky people when a claim is made? This is so stupefying and outrageous.
The story doesn’t end just there. I unfortunately had to make a Cashless claim for a surgical removal of Endometrioma on my wife from a well known hospital in their network. The same was rejected. Prior to rejection I received a call asking if the policy was issued to me by an employer / company or is it an individual claim? Once they knew the claim was made in the individual capacity, they bluntly rejected it. Different people gave different reasons and the TPA said it was on the order of Apollo Munich that they are rejecting your claim.
They gave a Generalized reason .. Surgery of Genetourinal tract ain’t covered. Another executive responded with ” Policistic ovarian disease ain’t covered and another said Cysts and internal tumors ain’t covered (lmao! then whats covered mon? Just ask those people to give a list of whats covered apart from Malaria and Dengu / Typhoid) At the time of issuing the policy they had stated that their policy wordings is crystalline and has no clandestine agenda of deceiving the customers. Only the specific names of the ailments mentioned therein are not covered for two years. Looking at the policy wordings its apparent that ENDOMETRIOMA ain’t mentioned nowhere in the policy wordings. t can’t be generalized. Looking at the policy I realized that everything save an odd Malaria or Dengu …is excluded for two years.
The tele executives was disgruntled and became tetchy to know my intentions to follow this matter up until the dooms day or me getting justice whichever happens first.
I sincerely believe its my duty as a aggrieved customer of Apollo Munich Health Insurance Co. to alert and make aware other prospective customers who are intending to take a policy from Apollo, who were only be cordial to me unto the time I paid the premium and thereafter I became be the most frivolous living object for them.
Please think Million times over before taking a insurance policy from Apollo as insurance is a sensitive subject that relates to financial and emotional trauma and needs proper expertise & humanitarian approach of the issuer to handle.
Thank you
Abhijit Joshi
Navi Mumbai
([email protected])
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