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Regarding the conditions put after taking the policy

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16 Jan, 2023 by  harivansh agrawal

I have a ReAssure policy from Niva Bupa for my mother that policy does not mention any limit on cataracts on the amount or on what types of lenses we can use


Now the insurance company is saying that they will only cover the mono-focal lens only this is their internal policy and I am like the insurance is a contract in which I disclose everything in utmost good faith you as an insurance company also tell your conditions on the policy wording


But can't deny us or limit us which is not in the policy wording


And one more thing you can't deduct 44% claim amount in a cashless claim no hospital will give you such a significant discount on any surgery whatever may be the reason for the package MOU even if you mention it on the pre-auth letter rest is deducted do not collect the money for the patient the hospital will definitely deny offering the cashless claim


What are your opinions?


I thought the insurance policy wording is the binding contract no one can add any additional conditions till the renewal



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17 Jan, 2023
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Hi Harivansh Agrawal,


Limitations on multifocal lens is there and written on the policy documents.


Please go through the policy documents

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18 Jan, 2023
harivansh agrawal

sorry yes there it is How Could I miss This Thank you so much I read the document very carefully earlier but anyway thank you so much

I thought there is no limit on cataract surgery but there is limit on type of lens we can use right

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