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Two, they are keen on reducing the incidence of fraud. One, the health insurers claim they are running into losses, which has prompted a close look at the claim submissions. The advancing of deadlines is being attributed to two reasons. Now, we are asking the customers to follow it,” says G Srinivasan, chairman and managing director, United India Insurance Company. “We used to waive it off though it was a part of the policy document. Interestingly, the stipulation has always been a part of the policy guidelines, but was not adhered to strictly. Nearly eight months ago, the claim submission period, which usually stretched from 30-60 days, got shrunk to 7-15 days for most companies. What the TPA had failed to tell Srivastava was that between the time he first approached him and submitted the claim, the insurance companies had decided to tighten the deadlines.
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“I did so after 40 days of discharge as my wife could not travel and I was out of town on work,” says Srivastava, who has written to the insurer citing the reason, but is yet to hear from it. He had approached the third-party administrator ( TPA) 15 days after the discharge, but was asked to submit the claim after including the post-hospitalisation expenses. “They denied it, saying we had not submitted the claim within five days of the date of discharge,” says Srivastava. However, eight months ago, when his wife underwent a surgery and he made a claim of `35,000, it was rejected. Santosh Kumar Srivastava, a 40-year-old from Navi Mumbai, is a stickler when it comes to paying the premium for his floater mediclaim policy.
#UNITED INDIA INSURANCE CLAIM STATUS GENERATOR#
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