Writing again because this review has been deleted from many web portal, FB etc-
My brother was getting abdomen pain and he was vomiting. He took OPD treatment 3-5 days. The pain continued and he started vomiting as well. Then He informed to Religare and asked for admission. They send a confirmation email for admission.
After 3-5 days He hospitalized under doctor recommendation and we paid to the hospital. Then I raised a claim to the Religare- let me list out the problem with this -
(1) You have to send all the docs to the office(Delhi or nearby). Spend your more money.
(2) They took to process more than 2 months after raising many grievance calls.
(3) Worst customer services.
(4) finally, they reject the claim with the reason "ALL VITALS & INVESTIGATIONS ARE WITHIN NORMAL LIMIT, PATIENT CAN BE TREATED ON OPD BASIS HENCE ADMISSION NOT JUSTIFIED.
(5) I tried on twitter, rewritten the email with doctors later that penitent was needed hospitalization. Still, they reject.
What we have done -
(1) Took OPD treatment for 1-5 days
(2) Hospitalized for a few days
(3) As per doctors suggestion, patient revisited to the doctors.
(4) Then we have raised a claim.
(5) They have asked for many documents and we have provided.
(6) They have asked doctors hospitalize letter doctor have given.
(7) Raised for higher management and funny things higher management is also handled by the same person.
(8) Raised to multiple times to IRDA, internal companies people work on this.
(9) wasted 5-6 months on this then went to consumer court.
Careful while taking the policy It’s not a matter of paying policy amount. Think about your tough situation. These people are doing blunders with the normal public. Beware of your closed one those who sell fake companies insurance for 100-200INR commissions. Even they are not sure about these conditions.
if you have time 2-3 year and more than 50+K money to fight the case against these fake companies then go for it.
Hope it helps.
PS: Check claim settlement ratio before choosing any companies.