Health Insurance not allowing me to file my claim!
I bought an HDFC ERGO health insurance. My father was hospitalized and was operated on for Angioplasty we got the pre-approval from the company but during the discharge, the hospital made a mistake and sent the wrong discharge summary in my father's name. The insurance company used this discharge summary to reject my claim and I immediately called and told them Hospital must have made a mistake please hold the claim process until the new documents are provided. They didn't listen.
The next day, the hospital sent the new discharge summary and an apology letter stating the mistake. They still rejected the claim stating they need more time for an in-depth investigation and asked me to come for reimbursement.
Now while applying for reimbursement I found out that basis on the wrong discharge summary the company has decided to terminate my policy and has changed the start date of the policy so that I can't file a reimbursement.
So because of one wrong discharge summary sent by the hospital I am facing all sorts of problems
- Cashless claim rejected
- Can't file for reimbursement
- The policy will be canceled in 10 days.
Please help me with how can I get the claim amount(4.3L) and continue my policy.