Hi there, I’m 36 yrs. of age having mediclaim policy by Apollo Munich(DKV) from past 2 years.
I’m suffering from Hypertension from past 3-4 months, yesterday while I was in office I started sweating a lot with pain in head & chest, Straightaway I went to the Hospital(Emergency) & doctors advise me to get admitted Immediately, as I have the personal mediclaim policy, hence I didn’t hesitate to get admitted, while doctors where examine me and send fax to claim the medical insurance, the APOLLOMUNICH / FAMILY HEALTH PLAN(TPA) LIMITED decline my case, as per them my case is not that serious & I should not be get admitted for that.
I spend two days in hospital & have to pay the hospital charges from my own pocket?
Kindly explain, is it my fault if doctors ask me to get admitted immediately, or should I supposed to call Apollo Munich from the Emergency ward and ask them whether to get admitted or not, also let me know till what extend a patent should wait to get herself/himself admitted to claim Insurance(is it till Heart Attack?) and when doctors advise the patient to get admitted what should a policy holder do?
Vishal Bhatnagar
Policy No.: 110100/11051/1000023952-01*
Member ID: 10000310934*