Can anyone tell how many days does United India Insurance take for car insurance reimbursement claims over 1 Lac? It has been 20 days since I submitted all the docs, invoice etc and final clearance by the Surveyor.
I haven't received any update or amount. They also don't reply to the emails.
My father, aged 58, had two seizures within a span of three hours. He was initially admitted to a local multispecialty hospital and was later shifted to Yashoda Hospital, Secunderabad, based on their recommendation on the same day. Insurance desk provided all the information requested, but the insurance provider continues to decline the claim, repeatedly asking, “How long have you had the said ailment?” My father experienced seizures for the first time in his life. I was planning to purchase term insurance for myself and my spouse, but after this experience, we have decided not to proceed with this provider.
Elevate, ICICI Lombard.
Diagnosis: Glioblastoma (WHO Grade 4) recurrence
Treatment: Targeted Chemotherapy
Drugs used: Bevacizumab 800 mg (\~20k) + Irinotecan 300 mg (\~3k)
Originally the cost should be 70k + 15k. But as we are getting treatment at Tata Memorial Cancer hospital, we are getting discounted medicines.
There is a system here where all patients have smart card and we have to top up that card and pay using it.
If i want to raise a health insurance claim from icici lombard, how should i submit the bill payments? The bills will have mode of payment as smart card. Do i need to include the smart card statement as well? If i include, how will they identify the specific transactions used for this treatment? Please let me know if anyone have any idea.
Being an advisor, I keep seeing people choosing insurance mainly based on cashback offers.
“Sir, I’ll return ₹1000–₹5000 from my commission.”
“Take the policy through me; I’ll give cashback every year.”
“Why pay full premium? I’ll reduce your cost.”
Saving money feels good. I understand that. But many people unknowingly start selecting insurance based on discounts instead of support and proper guidance.
This isn’t limited to health insurance. I’ve seen the same pattern in motor insurance too.
A few people have messaged me on Reddit asking for help with claims. My first question is usually simple: “Do you already have an agent on your policy?”
Most say yes.
Then I ask, “Did you contact him?”
Very often the answer is, "He asked me to call customer care and raise the claim.”
When I go a bit deeper, I sometimes find that the policy was sold mainly on cashback.
I’ll share one real incident.
I had a customer who stayed insured with United India for around 9 years. Last year he shifted because somebody offered a better deal along with cashback while moving to another insurer.
Recently he contacted me again. During our discussion, I reviewed the policy and found something concerning. The customer had a pacemaker implanted almost 5 years back. According to him, he had clearly informed the agent while purchasing the policy.
But that medical history was never properly reflected in the policy records.
Now suddenly the concern is no longer premium or cashback. The question becomes: what happens tomorrow if a claim arises?
And this is where many people realize something very late.
Insurance is one of the few products where service starts after the purchase, not before.
I’m not saying cashback itself is wrong, and I’m definitely not saying every advisor is perfect. There are genuinely good advisors who support clients even after giving cashback, and they deserve appreciation. But let’s also be practical.
Cashback comes from the advisor’s own remuneration. So when someone is competing only on price, customers should also ask the following:
“Who is going to help me after the policy is issued?”
“Who is going to explain disclosures?”
“Who will guide me during claims, documentation, and escalations?”
Because claim support is not just raising a claim number.
The ₹1000 cashback that looked big on day one can suddenly become very small during a difficult claim situation.
Choose support first. Cashback should be a bonus, not the reason for buying insurance.
My mother’s health insurance claim was wrongfully rejected citing pre existing condition. I have contested it in Insurance Ombudsman and they are saying 6 months to just schedule a hearing. My mother is undergoing treatment for cancer and I will need money for a bone marrow transplant as that is the only cure chance. The process is very expensive , is there anyway I can ask ombudsman to expedite the process? Mailing them didn’t help.
Hi! Uncle got robotic surgery done on doctor’s advice and at discharge my insurer has rejected the robotic component by saying -
ROBOTIC CHARGE ARE NON JUSTIFIED , SHOULD COLECT FROM PATIENT PAYING AS PER CONVENTIONAL CHARGE
The hospital has already submitted a letter for justification of robotic surgery during the pre-auth process (robotic was not okayed that time as well). Letter mentions the usuals -
“Robotic is more precise, less blood loss and early post-operative recovery. It has better hand -eye co-ordination,3D views, and depth perception and efficient alignment overcomes the limitation of human wrist and arm.it is ergonomically better and decreases the chances of error, hence medically recommended.”
My insurance policy says -
“Robotic and Cyber Knife Surgery – Covered up to full Sum Insured for treatment availed in India.”
And
Customer Information Sheet / Know Your Policy at Page 15, Clause D.II.10, which states:
“Robotic and Cyber Knife Surgery – Up to full Sum Insured, for treatment availed in India.”
My query is whether the insurance company is right to reject the claim based on the fact that the charges are not justified. What are my next steps? I've tried to raise an escalation with them but have not received any reply. Does this rejection mean that they are trying to say that robotic is not allowed as a whole, or are they trying to say that my hospital is charging too much for robotic? Please advise.
My mom's been with Niva Bupa since 2021, 7.5 lacs base SI, but with bonuses, it's up to 22.5 lacs. We've never made a claim and got it through Policybazaar.
So, here's what I'm wondering:
Should I switch since Niva Bupa isn't as good as I was, or just stick with them since the moratorium period is over?
What's the deal with Bajaj? I never see anyone talking about them online, but on paper, they look really solid. I want to know what people really think about Bajaj GIL.
If not Bajaj, should I switch to Tata (Medicare Select)? I heard it's not a good idea to deal directly with insurance companies. So, how do I find a good advisor?
What happens to my additional coverage if I switch? I want to bump up the SI by at least 10-15 lacs and add an NCB rider so it can go up to 500%. Then I probably won't need a super top-up, right?
Please help me out. I don't make a ton of money, but I always pay for my mom's insurance with my hard-earned cash. I just want some peace of mind.
For example, a car purchased in January 2023, ex-showroom price: 10,00,000.
IDV for the 1st year (January 2023 to January 2024): 950,000 (IDV - 5%).
What is the correct way to calculate for further years?
For example, at the time of the 2nd-year renewal (January 2024 to January 2025):
If ex-showroom - 15% is correct, then 8,50,000.
If 1st-year IDV - 10% is correct, then 8,55,000.
Which way is correct to calculate?
31 M salaried 1 cr cover
Need help in understanding which is the better option here - i know return of premium is not good but the premium increases just by ~600
HDFC Click2Protect on policybazaar
Without Smart Exit ( 60 yrs cover):
• Year 1: ₹10,927
• Year 2+: ₹12,488
With Smart Exit ( 62 year cover):
• Year 1: ₹11,176
• Year 2+: ₹13,148
Analysis - Extra cost: ₹660/year
• Extra benefit: ₹2.9L at 57 ( smart exit option )
• Invest ₹660/year separately: ₹1.1L @ 12%
is the smart exit option better ?
I only want term till around 60
Hello
I am 37 Type 2 diabetic, I currently hold star health comprehensive since last 10 years but lately star health doesent have cashless anywhere in my city which is pathetic, I pay a premium of around 35K per year for a 25 lacs plan for me, wife and 2 kids,
I want to port to icici elevate or HDFC ergo, Some questions
Or whats the best way to go ahead, please guide me would be really grateful for all the help
I had icici health insurance for my mother for the last 7 years. She had complete health insurance. Since icici increased the premium a lot in the complete health insurance and added a lot of unwanted features, I planned to switch to ICICI Elevate.
But icici says the completed waiting periods cannot be transferred despite the fact that she has already been in complete health insurance for 7 years. She joined when she was 49 and now she is 56. 49 is fine but 56 is a vulnerable age to let go off all the waiting periods.
And IRDAI has issued a circular in 2024, that these waiting periods and moratorium should be transferred to the new policy whether it is from the same insurer or a different insurer. But icici sales guys even deny the IRDAI circular.
Have you guys been aware of this and yet you chose to drop the waiting periods and moratoriums she earned so far?
I am planning to send an email to IRDAI and see what happens. It seems since most people dont know about the circular, even ICICI sales guys deny this. Or ICICI deliberately being oppurtunistic by making use of people's ignorance.
Looking to purchase health insurance for my senior citizen parents and as the premium of HDFC Ergo is quite high, I am thinking of going for deductible!
Is it good take or should I don't take it at all ?
Please guide !! Thankyou.
I have a HDFC ERGO Energy Plan which i took years back through online and now I want to have an agent who can guide me with the claims and policy renewal process. How can I do that?
Can I convert this to agent specific insurance as I dont want myself to handle the claim as well as the policy renewal process ?
I had a query on insurance submission which i recently did for my dad. For example his name is Apple Carrot (first name and surname) but all his identity documents have name as Apple tomato betroot carrot (first then middle name usually what Christians have and last name), are these grounds for rejecting a claim? Because the first name and the last name matches exactly. I have done claims submissions previously but this for a new insurance company so wanted to check.
Hi all. On 28th march i was hospitalized for 4 days due to severe gastritis. I’ve dealt with this since childhood, the pain was unbearable. I tried standard meds and even went to the OPD for injections, but nothing worked. Only when those failed did the doctors advise I be admitted for proper treatment.
Star Health rejected my claim (Rs.15,500), arguing that I was "stable" and didn't actually need to be hospitalized. They didn't even give me a reason until I followed up via email, and now they’ve been ignoring my responses for five days. I’m planning to file a complaint with the Insurance Ombudsman. Am I missing any crucial steps, and is it possible to claim interest on the refund amount due to the delay? Any advice would be crucial.
Hi everyone, I’m **M30 from Chennai**, working in corporate, and I need some genuine advice regarding **health insurance for my mother**.
About **11 months ago**, I purchased a **₹10 lakh policy from Star Health** for my mother (**56F**). Thankfully, she has been healthy so far. Recently, during a check-up, we found that she has an **endometrium thickness of 12 mm**. Since this condition likely existed before taking the policy, I understand it may be treated as a **pre-existing condition** and may not be claimable right now.
As a backup, I recently added my mother to my corporate insurance policy as well, mainly because claims there seem much smoother and cashless approvals are easier. I specifically enrolled her for this endometrium-related surgery, since it may not be claimable under my Star Health policy due to it being considered a pre-existing condition.
Now the confusing part:
While enquiring at the hospital, they told me that they generally don’t prefer **Star Health** because claim approvals are **not very reliable nowadays**. One staff member even said that for a surgery costing around **₹2 lakh**, sometimes only **₹80k gets approved** under Star Health. They also mentioned that some doctors hesitate to proceed when the insurance is Star Health due to approval issues.
They suggested insurers like **Aditya Birla** and **HDFC ERGO** instead (upon my request).
Later, I spoke with my insurance agent (who is experienced and has been handling policies for years). He said:
* I can **port the policy next year** while retaining continuity/seniority benefits.
* These kinds of **partial approvals can happen with any insurer** depending on hospital limits, package rates, and policy terms.
* The hospital I checked with is a **smaller hospital**, so I should also verify with **bigger reputed hospitals** before concluding that Star Health is bad overall.
## **Important Point**
**The hospital where I enquired is actually a smaller hospital where my consulting doctor practices.**
So now I’m confused.
People who have actually done claims for parents:
* Is this kind of issue **common across all insurance companies**?
* Is **Star Health** really problematic nowadays?
* Are **HDFC ERGO / Aditya Birla** genuinely better for claim settlement?
* Should I continue Star Health and rely on reputed hospitals instead?
* Which insurer has given you the **smoothest experience for parents/senior citizens**?
I genuinely don’t mind paying a **higher premium** if it means **fewer hassles during emergencies** in the future. My mother is healthy now, and I want to make the **right long-term decision** before any major health issue comes up.
Would really appreciate honest experiences and suggestions.
Thanks in advance.
My car met with an accident and water submersion in July 2025. I gave it to an ICICI Lombard network garage under a cashless claim.
Now, more than 10 months have passed, and the car is still not repaired properly.
Since my car is more than 10 years old, they asked me to pay around 50% of a repair bill of nearly ₹1 lakh.
Later, another bill of around ₹77,000 was raised for the same accident. When I checked the second bill, I found that the insurance company had rejected important parts like the switch, ECM, steering assembly, silencer, odometer, engine oil, labour charges, etc., saying “not covered as per policy terms” or “non-correlation.”
Their grievance portal is useless. I received this response when I raised a complaint with IRDAI.
Also, their approved garage did not repair the car properly. They called me for delivery, but during inspection I found that the car was not working properly. When they took it for a test drive, smoke started coming out from the engine and the self-start stopped working.
Whenever I question them and ask where it is written in the policy, they simply say that if I am not satisfied, I should approach the Insurance Ombudsman.
The car is in my relative’s name, and he is outside India. So, I obtained a signed authorization letter from him and raised the issue with the Ombudsman office in Patna. They took one month to process everything and then scheduled a hearing. However, one day before the hearing, they cancelled it and said that the insured person or his legal heir should be present. Whereas, on the portal there is an option for an authorised representative to file a complaint on behalf of the insured person.
Please suggest what options are available to me. It feels like the insurance company and its regulatory authority are useless and exist only for namesake.
Does consumer court is also usless?
Attachign policy, now where its mentioned that these items are not covered.
My father had got his angiography and Angioplasty done in 2021, he is 69 years old now. I couldn't find any health insurance who would cover his heart related ailments too. I was able to find health insurance but none would cover his heart related ailments.
Any of you guys were ever in such situation and found a suitable health insurance, do let me know please, thanks.
​
Need suggestions based on real claim experience for my mom’s health insurance. We’re confused between:
HDFC ERGO Optima Secure
ICICI Lombard Elevate
Care Supreme
Main priorities:
- smooth cashless claims
- fewer hidden charges
- good hospital network across India
- room rent flexibility
- claim approval experience
- premium stability during renewal
- support for pre-existing diseases in future
Would really appreciate honest personal experiences — especially regarding claim settlement, hidden clauses, premium hikes, and customer support during hospitalization.
Hi everyone, I am seeking urgent advice regarding a severe health insurance nightmare my family is currently facing with Aditya Birla Health Insurance. I want to discuss my current strategy to get cashless approval reconsidered and clear their Fraud Investigation (FWA)
The Context:
Patient: My father (61Y, Senior Citizen).
Insurer: Aditya Birla Health Insurance (Activ One MAX+ plan). We ported to them from Niva Bupa in June 2025.
Policy Continuity: Maintained continuously since June 9, 2019 (82 months of unbroken coverage).
Diagnosis: Stage 5 CKD (End-stage renal failure)
The Systematic Harassment & "Bait-and-Switch" Tactics:
Aditya Birla is currently harassing us across two separate life-saving admissions using the exact same arbitrary excuse.
Incident 1: The First Admission (March 2026)
My father was admitted to Yashoda Super Speciality Hospital on March 29, 2026.
We applied for cashless. They denied it on March 30, stating: "Chronicity of Chronic kidney disease cannot be ascertained hence cashless claim denied".
We self-funded, filed for reimbursement, and this claim has been completely stalled ever since.
Incident 2: The Bait-and-Switch (May 2026)
My father was admitted again to Pushpanjali Medical Centre on May 5, 2026, to begin ongoing dialysis.
May 5 (9:25 AM): Aditya Birla officially APPROVED our initial cashless pre-authorization for clearly mentioned issue as CKD.
May 7 (6:09 PM): Two days later, in an act of extreme bad faith, they completely reversed their decision and revoked the cashless facility, giving the exact same reason: "Chronicity of Chronic kidney disease cannot be ascertained at this juncture..."
Because the hospital bills for maintenance dialysis at the end of the month, we are not yet asked for payments.
The FWA (Fraud Investigation) Trap:
Instead of processing the stalled March reimbursement, Aditya Birla sent a 3rd party Field Investigator to our home. The agent is now verbally demanding that we produce old OPD prescriptions from 2022–2023 specifically for his Diabetes and BP.
Here is the problem: We simply do not have those old physical prescriptions anymore. However, we did declare these conditions. Our Niva Bupa Policy Schedule from June 2022 explicitly lists "Diabetes mellitus/and its complications" and "Hypertensive diseases/and its complications" as declared and accepted Pre-Existing Diseases. Aditya Birla accepted this verified history when we ported in 2025.
Steps I’ve taken so far:
Verbal Pushback: On the call, I told the investigator to go ahead and submit his report with the medical documents we already shared. I did not agree to hunt for missing 4-year-old papers.
Escalation: I have emailed the CEO's desk (Mayank Bathwal) and posted on LinkedIn tagging the leadership about the mental harassment of a senior citizen and the bad-faith cancellation of an already-approved treatment.
My Planned Defense (If they formally email asking for the old papers):
The 60-Month Moratorium Rule: Since the policy is 82 months old, it falls under the IRDAI 5-year Moratorium (Clause 8.9), making the claim incontestable for non-disclosure.
The "Verified Record" Stance: I will reply stating that the 2022 Niva Bupa Policy Schedule is the definitive legal record of disclosure. We are not liable to act as a medical archive for 4-year-old papers for a risk the insurance industry has already accepted.
My Questions for the Community:
Approved then Denied: Has anyone experienced an insurer approving cashless and then reversing it days later without any new medical evidence? Is this strong grounds for a "Deficiency in Service" penalty at the Ombudsman?
The "Missing Prescription" Trap: Has anyone successfully got a reimbursement claim approved when you explicitly told the FWA team you do not have the 3-4 year old past prescriptions?
Moratorium Rule in Reality: Does the Ombudsman actually enforce the 60-month Moratorium strictly? Can Birla legally demand old papers despite the Moratorium?
Next Escalation Step: It has been over 48 hours with zero reply to my emails to their Care Head. Should I immediately log a grievance on the IRDAI Bima Bharosa portal for "Delay in Processing," or wait to see what the FWA investigator puts in his formal report?
Any guidance from folks who have dealt with Aditya Birla’s claims team or navigated a similar FWA investigation would be incredibly helpful. This is mentally exhausting for my family.
Thank you.
#HealthInsurance #AdityaBirlaHealth #InsuranceOmbudsman #IndiaInvestments #IRDAI #BimaBharosa
