Pharmacy Graduate Seeking Registration: Bihar Council Delay, Next Steps?

Ans: ITRs are processed after verification under all the risk parameters through system. Sometime it take times to process the ITR.

Ans: Pursuing a diploma in pharmacy is a viable option, especially if you seek more job opportunities and a change in career direction. The pharmaceutical industry often demands professionals with pharmacy qualifications, and obtaining a diploma in pharmacy may open up new avenues for employment. However, it's essential to thoroughly research the program, consider the accreditation of the institution offering the diploma, and ensure that the decision aligns with your long-term career goals.

Ans: You claimed Rs. 55,000+ from Tata AIG mediclaim.
They approved Rs. 48,000+ after two months.
Rs. 7,000+ for doctor fees and medicines not approved.

Document Submission

You've sent duplicate or xerox copies as asked.
Now they're asking for original documents again.
You've already submitted originals at the start.

Common Insurance Practice

Insurers usually keep original documents for approved claims.
They might return originals for rejected parts of claims.
It's unusual to ask for originals repeatedly.

Possible Steps to Take

Call Tata AIG customer care for clarification.
Ask why they need originals you've already submitted.
Request them to check their records for your documents.

Escalation Process

If customer care doesn't help, escalate to grievance cell.
Write a formal complaint to Tata AIG's grievance officer.
Clearly explain the timeline of your document submissions.

Document Trail

Gather proof of all your document submissions.
This includes courier receipts or acknowledgement emails.
These can support your case if you need to complain.

IRDAI Complaint

If Tata AIG doesn't respond, complain to IRDAI.
IRDAI is the insurance regulator in India.
They can intervene if the insurer is being unreasonable.

Future Precautions

Always keep copies of all documents you submit.
Get acknowledgement for document submissions from the insurer.
Follow up regularly on your claim status.

Medical Records

Ask your doctor for duplicate prescriptions if possible.
Get copies of medical records from the hospital.
These might help if you can't provide the originals again.

Time Limit

Check your policy for claim settlement time limits.
Insurers usually have to settle claims within 30 days.
Delays beyond this can be reported to IRDAI.

Finally

Stay patient but persistent in following up.
Keep all communication with the insurer in writing.
Consider seeking help from a Certified Financial Planner for guidance.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in