It seems like this is one of the waste insurance. I have taken a health insurance from HDFC Ergo for myself and my wife. My wife has met an unexpected event due to which she was admitted to a hospital for one and half day. Two days later I have applied for the claim for the medical expenditures from HDFC ergo.
Initially they told me to send only the discharge slip along with all the bills. After receiving all the bills they again asked me to provide the investigation report, final bill and details of injury by doctor. Since we have taken treatment from a hospital which was not very big, the hospital guys told us that they don’t provide all such things.
But somehow we requested them and after having number of rounds to the hospital we managed to get all these things. Now finally HDFC guys said that they want all the incidents that led to this injury to be included in the details of injury by doctor. I asked doctor if he can include all these things in the details, he clearly told me that how he cant include all such things, he is only authorized to mention the things which he has done after the patient is admitted to hospital.
So I finally came to conclusion that these insurance people will ask you to produce a document which you will never be able to provide them and on the basis of that they will reject your claim.
Please be aware of these people.