It is like doling out our valued money thrown after dirty .gullible insurance schemes .
The main drawbacks are
[1] they won’t acknowledge your mails, even if you shoot them through grievance columns.
[2] the customer service centre is only for a name sake, they won’t assist you , but irritate you with worn out information and irrelevany questions
[3] the claims .though kept pending for more than 6 to 9 months without assigning any valid reason at their end .are likely to be repudiated on flimsy grounds citing a disease , not related to the treatment undergone by the insured.
[4] After a patient waiting for longer durations , without updating their claims status in their site go on questioning about the queries raised , which you have answered long back either by regd post or by courier, but insisting on answers to hose queries replied by you long back.
[5] they repudiate your claim saying that investigating team opined other wise which shockingly are not related for which treatment you claimed, they churn out an ailment which you have not taken treat ment and repudiate the claim showing that irrelevant ailment not related to you at all.
and rather shock you with their delayed out letters.
[6]Their eminent and experienced medical team are likely to ignore the discharge certificate , case sheet which clearly evidece for which ailment you sought admission as inpatient and undergone treatment
[7] [T] hey have no medical expertise to assess[ which even a common man can arrive at] the reason for which ailment /treament the prescribed medicines were administered by the expert mdical team at their recognised hospitals.
[8] Their trained branch adminstrative staff will try to avoid your phone calls , by not lifting the phone or just ignoring your priorotised calls and concerns
allthe promises made by these branch staff are all false they don’t mind to stick on to their given scheduels.
[9]they promise to com come personally to your door step but don’t ahere strictly to their convenint promises made.
t10]they throw the blame on offices , if you happened to submit your claim through their other city offices.
[11] if you request them for making enquiry regarding your claim, they say we are not supposed to do it sir orelse their hed office may arrive at the ccnlsion that they are in conniving with the insured[for false claims/]
[11] if you try to make through the office you submit your claim these intelligent ones say the brahes who booked the insurance must talk to their head office.
[12] There is another misnomer THIRD PARTY SURVEYORS whose valid and valued surveys on youmay have strong belie and confidence that positive decisons will be taken, but the corporate office simply ignorethem
[13]there seems to be no evidence of an appealing procedure with ppealallate authority at higher levels against the decision taken at lower levels
[14] the support centre ignore all your mails and if you seek information about ombudsman and their email id if any , they simply transfer your call to dead phones/cold storage cells / department from where you get no response during life time.. so I summarise saying that it is a fine form of looting our valued money to settle claims received from GOVERNMENT ’S dole out schemes