I have insurance from last four years without any claim. Now my wife have some knee problem, and doctor in gangaran hospital new Delhi have advised us small surgery. Estimated cost for which was 70000? Claim is rejected because we have no prescription of any doctor at date start of pain.second point of rejection is why we have not consulted any local doctor before gangaram Delhi(basically I m from Karnal haryana.
I have given following ans In India rarely a person consult doctors for mild pain in knee in hurry.we try volini massage and ayurveda before doctors. Secondly in Karnal there is no joint specialist and if it had been there, then also its my wish to take consultation in Karnal or Delhi. Take care. By