Health Insurance: The ICMR had said in its treatment protocol that patients should treat Kovid-19 at home unless there is difficulty in breathing or the oxygen level is low.
After this there was a big drop in the number of people admitted to the hospital, but some people go to the hospital out of fear.
The infection of Kovid-19 virus has once again started increasing rapidly. In such a situation, if you are also admitted to the hospital under its grip, then despite having health insurance, the companies can reject your claim. The biggest reason for this is being admitted to the hospital even on mild symptoms of Kovid.
Experts in the insurance sector say that many people get admitted to the hospital only after showing mild symptoms like cold, cold, fever. They are afraid that their disease may become fatal. In such cases, health insurance companies reject the claim of cashless treatment even if the result of the Kovid test is positive.
Companies argue that the insured has admitted himself to the hospital without any need. This difficulty is coming in front of hundreds of insured. Even if the doctor has not advised him to be admitted to the hospital. People suffering from diabetes or any other disease are facing this problem the most.
Companies Taking Recourse to The guidelines of ICMR
Health insurance companies are rejecting claims by resorting to the recently issued instructions of the Indian Council of Medical Research (ICMR).
The ICMR had said in its treatment protocol that patients should treat Kovid-19 at home unless there is difficulty in breathing or the oxygen level is low. They do not need to be admitted to the hospital.
After this there was a big drop in the number of people admitted to the hospital, but some people go to the hospital out of fear.
If Your Claim is Rejected, Take These Steps. The
insurance company has rejected your claim, but if you feel that the decision of hospitalization was right, then you can make a claim in the grievance redressal cell of the company.
If you do not get the correct answer from there also, you can complain to the insurance ombudsman office of your city. If the matter is not resolved even on this, then the consumer court will be the last option.
