I am 78 years old widow living on my widow pension. With my little money this year March I purchased health insurance policy from Cignattk. Before approving the policy the company tested all my health parameters and could not find any abnormality. Since I was not suffering from any disease, I have not declared anything. I paid Rs 25000/- for the premium and the policy was issued.
But suddenly in July, I became sick with blood pressure went upto 240 level. So as per doctor advice, I admitted to a local hospital. Since the hospital was registered under cashless category with Cignattk, I told the hospital to claim cashless authorization. The hospital was very reluctant to accept cashless arrangement primarily due to delay in payment by insurance and also their payment will come under tax net. Still due to my insistence they filled up the authorization form and sent to Cigna-ttk.
Next day Cigna-ttk wanted some more details of the disease. That time I was very sick, so I signed the documents brought by the hospital to be sent to insurance. Later Cigna-ttk reject the cashless claim by saying that my disease is pre-exiting as it was written in the second set of documents(signed by me in good faith) that I was suffering for last one year, when it was totally false. I feel Cigna-ttk has some tacit understanding with their registered hospital to dupe the patients like this so that they need to pay the claim. Due to this rejection, I had to pay Rs.8000/- as my hospital bill and Cigna-ttk didn’t pay a single paise.
I warn the public not to buy policy of this fraud company and cheated like me.