How to decode your health insurance claim settlement letter
“The patient’s initial discharge got delayed by four days due to repeated queries and follow-ups, even though all replies had been submitted. During the delayed period, the patient’s condition unfortunately deteriorated again. Fresh infections and complications developed and hospitalization had to continue. The first final bill was worth ₹1.63 crore. With the delay, it reached ₹2.11 crore, but the approved amount remained ₹85 lakh both times. They only increased deductions under the same heads,” said Punit Kochar, an insurance consultant who sold the policy to Kawar.
