I am covered by Genins India Insurance as a part of corporate cover by my company. My company provides no other option other than Genins for the Medical Insurance. So everyone of us are forced to stick to Genins India.
They are very less number of network Hospitals and even in their network Hospitals, if you go for Cashless treatment, these people ask you to make a co-payment. Its not entirely cashless. You are forced to pay part of the bill. Apart from the heavy premiums we pay, these people make us pay for the hospital expenses as well. So whats the point in going for Insurance?
In non-network hospitals the scenario is worse. They dont have a proper call center. They dont(never) respond to mails. They have rude representatives. So if you have to submit a claim, there is no body to ask the procedures. Finally when you find it by yourself, and reach them to submit the documents. They have some reasons or the other to reject your claim and 90% of the claims are not processed. They have millions of reason templates to reject a claim.
I would not recommend this firm for your insurance needs. And if you are corporate customer, next time you change jobs, check with your HR about the Insurance provider. If they talk about Genins, don’t join the company. If you have no choice, join the plan where you pay no premium and go for any other 3rd party Insurance provider if you care for your family.
If you are already stuck with Genins, either dont renew it for the next time. There are many good insurance providers out there.