Location/place: NAGPUR
Name of company/service: MEDICLAIM
CITIBANK HAS APPROACHED ME FOR MEDICLIAM POLICY OF 2 YEARS AT A PREMIUM OF RS4500/- AS WE HAD CREDIT CARD NO-4564070019531014 OF CITI BANK.THEY HADTELEPHONICALLY DONE THE BOOKING HAD CONFIRMED THAT ON HOSPITALISATION (NO OF DAYS) FOR PETTY ALLOWANCE WE WOULD BE GIVEN RS2000/DAY SUBJECT TO MAXIMUM OF RS.3LAKH BASED ON DISCHARGE CARD DAYS(HOSPITALISATION).
CITIBANK ON THERE BEHALF HAD ENTERED IN AGREEMENT WITH ROYAL SUNDARAM FOR MEDICLIAM POLICY BEARING NO -CC00015699000100 AND WE HAD RECEIVED POLICY .
WHEN I HAD PUT A CLIAM FOR THE ABOVE FOR 2 DAYS ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY LTD HAS DENIED FOR THE CLIAM STATING THAT LIPMA SURGERY IS NOT COVERED DURING FIRST YEAR OF POLICY.
-DURING BOOKING I WAS NEVER ASKED ABOUT MY PREVIOUS ILLNESS
-I WAS CONFIRMED THET I HAD TO SUBMIT A COPY OF DISCHARGE CARD ONLY FOR CLAIM SETTELMENT BUT WHEN I APPLIED THEY HAD GIVEN ALMOST 8 PAGES TO BE FILLED IUP AND SIGNED BY DOCTOR WHICH IS NOT IN LINE WITH CITI BANK CONFIRMATION
NOTE:THE POLICY WAS FOR DAILY ALLOANCE WITHOUT AND NOT FOR HOSPITALISATION/OPERATION CHARGES
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