My father was working in Tamilnadu government ITI , he was having an senior citizen medical health insurance policy from United India insurance.
As he needs treatment from a specialised hospital we admitted him in non network hospital. We borrowed money and paid the complete hospital bill and send all the bills for reimbursement . It has been more than 5 months since we applied for reimbursement.Till now we have not received neither reimbursement nor update from them .
My personal opinion is the senior citizen policy is not great and they don’t have many listed hospitals in the rural places .
The medical reimbursement process is very complicated and I am little skeptical about the reimbursement.