Hello sir ,my huband has taken medical insurance frm manipal cigna frm 2015 till date never claimed anything all these years but last year july suddenly my husband got pneumonia he got hospitalized before joining inthe hospital we consulted the insurance agent and took necessary file number to claim insurance but sadly at the end insurance company rejected to pay bill saying(2.5lks) he used to pay 58 thosand per year family floater,now thy have canceled whole policy and thy didn't even paying the amt we paid all these years ,agent is not responding can we do anything to get our hard-earned money back now we dont have any medical insurance he is 57yrs now pls suggest anything we can do
Ans: I'm truly sorry to hear about your husband's health complications and the subsequent challenges with your medical insurance. Facing such situations can be distressing, especially when dealing with unexpected denials and cancellations. It's important to take action to address this issue.
Firstly, gather all relevant documents, including policy details, correspondence with the insurance company, and any communication with the agent. This documentation will be crucial in understanding the reasons for the denial and in any potential appeals or legal actions.
Next, consider reaching out directly to the insurance company to request a review of the decision and clarification on why the claim was rejected. If you're unsatisfied with their response, you may escalate the matter through their grievance redressal mechanism or regulatory authorities.
Additionally, seeking legal advice from a lawyer who specializes in insurance matters could provide insight into your rights and options for recourse. They can help you navigate the complex legal landscape and pursue appropriate action to recover your hard-earned money.
While the situation is undoubtedly challenging, remember that you're not alone. Reach out to consumer rights organizations or advocacy groups that may offer support and guidance in dealing with insurance-related issues. Your perseverance and determination to seek justice are commendable, and I hope you find a resolution that provides the relief and security you deserve.
