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What can I do incase my Health Claim has been Declined
11-May-2023 (In Insurance Law)
My parent is having Mediclaim policy with New India company. Now he was admitted in hospital for breathing problem. So doctor had recomandded for CPAP Machine. Company had passed claim for hospitalisation but not for CPAP machine. It was given in Excusion clause that CPAP is not covered, It was life saving instrument and without which person can not survive, then why company had not allowed that amount?? Need the guidence how to fight for this?
The Insurance company is liable to pay the said claim for CPAP. You will have to submit an application regarding the same, if the same is denied by the insurance company then, you will have to file a complaint in IRDA, to the Grievance Redressal Officer.
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Adv. Siddhant Sharma
Delhi | 500+ Answers
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Dear client, Medi claim is for policy is for the hospital expenditure and medical bills as CPAP is an instrument which should actually be used by the trained doctors in the hospital as it restricts the airway pressure, and which is the technical reason insurance company not allowing the claim of CPAP.
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Adv. Vijay Kalu Wani
Pune | 200+ Answers
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