United India Insurance Co.Ltd , Even Gov Insurance
I HAVE HEALTH INSURANCE GOLD AS PER COMPANY OF Rs 200000. AND IT IS WRITTEN THAT IS CASE OF CATARACT OPERATION ONE WILL GET 25% OF THE SUM ASSURED OR ACTUAL WHICH IS LESS. SIX YEAR BACK I OPERATED MY LEFT EYE FOR CATARACT AND IMPORTED LENS WAS IMPLANT AND AGAINST MY BILL RS 50,000 WAS GIVEN INTO MY ACCOUNT. THIS YEAR I OPERATED MY RIGHT EYE AND WITH THE SAME DOCTOR AND ALSO IMPORTED LENS , THE BILL WAS AROUND RS 63,000, BUT COMPANY (GOVERNMENT) PAID ONLY Rs32750., THE CLAUSE IN THE POLICY IS SAME 25 % OF SUM ASSURED MEANS I SHOULD GET Rs 50000.. more
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NO IT DO NOT SAY MAXIMUM LIMIT, AS PER POLICY TERM DEDUCTION MADE UNDER CONDITION 1.2c NOTE2, dEFINATION 3.33AND EXCLUSION 4.6B, ITS REALLY GIMMIK. BY INSURANCE WE TRY TO GET BEST LENS AND SERVICES OTHERWISE WE COULD HAVE GONE TO CIVIL HOSPITAL AND COULD GET IMPLANT more
Jul 12
You should get Rs 50,000 which is indeed 25%of sum assured. Check whether it says subject to a maximum limit of RS 32,750. more
Jul 11
