Exclusive | COVID-19 second wave: Amid tussle between hospitals and insurers, 171,000 claims await settlement……
Earlier this month, Nikunj Tiwari, an advertising executive from Delhi, faced a dilemma and had to make a quick decision. His father was ill with COVID and awaiting hospitalisation. Tiwari had two choices — incur the medical expenses himself and claim reimbursement from the insurer later, or opt for cashless settlement of the claim. Reimbursement meant he could immediately get a bed for his father. Cashless meant the claim would be settled between the insurer and hospital directly but involved him spending two hours awaiting approval from the insurer, with no guarantee a bed would be waiting when he got the green light.
In the end, it was an easy decision to make. “There was a long waiting list and if I waited one to two hours to get cashless approval, the bed would have been allotted to someone else. So, I opted for reimbursement,” says Tiwari. However, the reimbursement hasn’t been a smooth affair. “My father is discharged now and I have submitted claims for approval with the third-party administrator. We have been told that several hospital charges for infection control will not be payable by insurers,” he lamented.
Like Tiwari, many Indians across the country have been battling COVID on one side and fighting to get their insurance claims settled on the other. #scam#policy#covid#fraud#policy claim#icici lombard claim status#star#health claim status#hdfc ergo claim status#star health #insurance claim status
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