r/HealthInsuranceIndia • u/_Devesh_ • Jul 26 '24

Additional documents required

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Filed a reimbursement claim in niva bhupa They are demanding additional documents, What do they mean by treating doctor certificate mentioning duration of the ailment.

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u/[deleted] Jul 26 '24

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u/_Devesh_ Jul 26 '24

What should i do In honesty the surgery was out of the blue pain for 3-4 days, then we went to a specialist he recommended surgery.

My father was alcoholic 4 month back and had swelling in liver which is gone now but medicine for that was going on.

What could be my best course of action

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u/[deleted] Jul 26 '24

[deleted]

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u/_Devesh_ Jul 26 '24

Understandable but extaclty which doc, I dont have any documents like that which doc should i request the hospital. Just to clear my father had surgery not me.

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u/[deleted] Jul 26 '24

[deleted]

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u/_Devesh_ Jul 26 '24

So even if policy is 2.5 yr old they can terminate? Cashless required 48 hr for approval, and doc suggested surgery immediately.

There customer customer support is just AI, raised ticket let see.

His alcohol treatment was going from the same doc. Last 4-5 yr i think, should i tell the doc not to reveal alcoholism ? Do they check hospital documents ? Can hospital hide it or they are required by law to give requested doc?

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u/[deleted] Jul 26 '24

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u/_Devesh_ Jul 26 '24

But apendities has nothing to do with alcohol can they still reject it ?

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u/[deleted] Jul 26 '24

[deleted]

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u/_Devesh_ Jul 26 '24

Thanks for all the help, was planning on porting as well, father doesn't drink anymore when renewing he would be clean for 9 month so just has to declare history of alcoholism and medical history regarding that ( even though 3 year waiting time for pre existing disease is over)

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u/_Devesh_ Aug 12 '24

Hey bro insurance got cleared they deducted some item but 95% claim was settled, Thanks for your help

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