சோழதேசத்தான்

Dear @Niva_Bupa, HOW ON EARTH can a claim submitted exclusively for Pre-Hospitalization expenses be classified as a DUPLICATE of a Post-Hospitalization claim? Two separate reimbursement claims, involving different expenses, different supporting documents, different prescriptions (except for one valid six-month prescription), different diagnostic reports, different bills and receipts, and entirely different amounts — on what basis can one possibly be declared a duplicate of the other? We don't pay thousands of rupees in premiums to blindly accept whatever rejection reasons you choose to throw at us! A customer who is already battling a serious medical condition, enduring physical and mental distress, and struggling with the financial burden of treatment deserves fair treatment, not arbitrary claim rejections. Niva Bupa, you cannot simply play around with the claims of vulnerable patients and policyholders as you please! When selling policies, the promises are grand. We are assured of hassle-free treatment, cashless facilities and financial protection when we need it most. But when it comes to actually honouring claims, why does the approach suddenly become so hostile and unreasonable towards the very customers who trusted you and paid their premiums? Yes, we understand that insurance is a business. But that does not give an insurer the right to disregard fairness, accountability and basic responsibility towards its policyholders. If you are rejecting a claim, you must have a valid, logical and defensible reason. You cannot simply label two entirely different claims as DUPLICATES without properly examining their supporting documents and the actual expenses involved. This is not just about my ₹***** claim. It is about the attitude and accountability of an insurer towards its customers. Policyholders deserve protection, not persecution when they need their insurance the most! Niva Bupa, I expect a proper explanation and a fair reconsideration of my claim. Please stop treating genuine policyholders as if they are trying to claim what they are not entitled to. - Murali Manohar .S @NivaBupaSupport @irdaindia @InsurewithVenky @venk1975 @NIKHILLJHA @DrDineshCFP @kapeetuthalam @rajeshkmoorthy @hstradeschool @HSTwealth