Sources: LinkedIn (Ditto, Policy Bazzar, other Insurance Brokers, experts…)
An insurance claim totaling ₹20 LAKHS stuck in limbo!!!
Here’s how we helped a Ditto customer get the ₹20 LAKHS in full👇
Karan* purchased a term plan from one of the top life insurers in India via Ditto– opting for a Critical Illness rider too as advised.
Now, a Critical Illness Rider gives you a lump sum if you’re diagnosed with certain illnesses.
Soon, Karan was diagnosed with a blockage in his arteries & underwent a heart bypass surgery– making him eligible to claim the critical illness benefit.
But when he filed his claim–
The insurance company raised multiple queries, made him run in circles & put his claim on hold. Why?
Well, they had two reasons:
1) Karan hadn’t submitted test reports conducted before the bypass surgery
2) He had been prescribed medication for BP and diabetes, which the insurer believed was a pre-existing condition not disclosed while buying the policy
Karan tried responding himself. But he kept receiving automated responses. At which point he finally reached out to Ditto for our help.
After a thorough investigation, our experts found out that –
The test results were missing since the surgery was conducted on an emergency basis
-The use of diabetes and BP medication was merely precautionary (basis a doctor’s submission)
-After repeated phone calls and liaising with the insurer, the claim was paid out fully – 20 Lakhs.