Prior to 14.07. I was under regular treatment of Asthma. On 14.07. I was diagnosed as having developed cardiac symptoms and was referred for angiography/aqngioplasty at Abdur RazzaqueAnsari memorial Hospital (Apollo Hospital group) and was advised medical intervention. Insured as I was by Bajaj Allianz under the Silver Health Scheme, I approached them for obligatory assistance from the time of admission to the said Hospital to the time I was discharged to no avail. I was never diagnosed as cardiac patient prior to 14.07. plea on which the Bajaj Allianz rejected my claim. I have medical record of last 3 years to corroborate this.
Because of unprofessional approach of the Insurer, I was forced to overstay in the Hospital and my kin had to run from pillar to post to arrange the money for payment of the bills of the Hospital and my consequent discharge caused me and my kin great humiliation and torment as also putting my life to jeopardy.
I have also registered my complaint with the IRDA on 02.08.2010.
In reply to the legal notice served by my Lawyer, Bajaj Allianz has negated all the facts; even large number of talk time on their helpline and with their executive which can be cross checked from the mobile bill, I have with me. They even allege that Apollo Hospital has not cooperated with them knowing fully well that documents faxed by the Hospital is an irrefutable evidence and that Apollo Hospital is in Bajaj recommended list of hospitals with whom they are in liaison.
I am a senior citizen who is capable of fighting such injustice and fraud. What would be happening to persons who do no survive or do not have the knowledge or strength to fight or do not have knowledgeable people to help. Such people may be too many; may be 99%. In other words these Insurance companies are not helping the patients but squeezing hard earned money like Shylock. Somebody must check how much they are earning from health insurance.
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