I made my first claim after two years, the claim was of a very small amount. I have provided all the necessary documents, bills and slips in original.
And then I waited for 1 month and didn’t receive any update. Then I contacted the customer care they said the claim is in a pending state, please wait for few days, so I again waited for few days and called and got the same reply that the claim is in a pending state.
So I dropped a mail to grievance@apollomunichinsurance.com and asked them why it is taking time. After 15 days I got a reply that I need to provide some necessary documents and they gave me a list of documents.
So I again replied that I have already posted all these documents and I provided them with the tracking details. According to the tracking details the documents were delivered and it’s been more than a month since they were delivered.
Then I got a reply that they need a few more documents and they asked me to provide ICP letter. So I provided them that too.
After a long wait, they replied that they need a few documents and they asked for the initial investigation report, so I provided them that too.
After 10 days they again asked for the same list of documents which I have already provided them in original.
This process went on for a few months and end up with me canceling my policy. Because I didn’t want to trust this company with my health if they are irritating you for such a small claim that you people know how they will settle the big expense.
They say that they provide very uncomplicated health insurance but their claim process is very complicated. They don’t update you on your claim status. Their customer support is worse, every time a new person will reply on the same email chain without reading the previous response of mine and you have to again tell the whole story.
I am still fighting with them for the refund of my policy cancellation, with a hope that they will refund the 25% of my policy premium.