Visitors Insurance

My mother was visiting from India and was here for 6 months. We had purchased Plan A insurance from seven corners after hearing about it from this website.
2 weeks before her departure to India, she experienced a Chest pain and we took her to the ER. They took her X-ray, ECG, CT scan etc and did not find any problem. To monitor her they admitted her to the hospital for one day and she underwent some more tests like stress test, blood tests etc. She was discharged after 24 hrs and her hospital bill(including all the tests) was about $8500.00.

The claim was filed with seven corners and after 3 months they have paid only $1300.00. They are refusing to pay for the tests as they say under Plan A for an inpatient, "Hospital Room & Board including miscellaneous" coverage is up to $1400/day. As per the insurance company the tests performed will come under the miscellaneous charges. Even though she was admitted through the ER, they will not cover any of her ER charges either.
The plan does not explicitly state what "miscellaneous" covers and they are using this as an excuse to not pay the bill.
Does anyone have similar experience with them and can you help me?

I took a Bajaj Allianz Travel Insurance Policy, paying a hefty sum as premium to ensure that i am covered well while i was traveling in the US & Canada.

Unfortunately i took ill and suffered a
mild heart attack and was admitted to an American Hospital. All the while i was admitted, i was assured that the company would do their best to settle my bills as soon as it was sent out to them.

I am a sugar patient, and my doctor clearly told me that my heart condition wasnt because of my pre existing condition. When i presented my papers to the Insurance provider (the venerable Bajaj Allianz), to my utmost horror, the company rejected my claim on the basis that ANY heart conditions had been ruled out (whether with or without sugar induced) when the policy was issued, since i was a sugar patient. They went on to rattle off statistics to ensure that we were suitably impressed, and of course we were not!!!!

The agency claims, that they like transparency and put everything in black and white! But if that was the case, why werent the conditions listed out in bullet form, rather than in convoluted english, separated by multiple punctuation marks, semi colons, commas et al.

Bottom line: the minute they saw they had to pay a whopping bill of 40000 US dollars, which translates to roughly 16 lakhs of rupees, they decided to comb through the policy to find loopholes which could be manipulated.

And if you come to think of it, they didnt even conduct any medical exams when they granted the policy, so if i had conveniently forgotten to mention that I had Diabetes, may be they would have paid after all. Such is the price of Honesty!!

I was told, albeit very rudely that i can approach the legal forum, for justice.

To add salt to the wounds, the agency boldly challenged me saying that if you want to fight me, on the point that this wasnt caused by diabetes, I (that is the agency) will prove to you that this was caused by diabetes and then you will end up with nothing! So much for their consideration when they were seeking business.

I think I will, considering that the company is only trying to maintain its rejection rate and taking undue advantage of simple people, by using convoluted english, which leads people to interpret the policy clauses in more than one way.

To prove my point, i have shown the clause to family, friends, even people not known to me, and a couple of lawyers. without being biased, they state that the clause means what it states, and not what the insurance company is trying to read it out to be.

I am disgusted and appalled at their service levels, their lack of responsibility and their immediate shift from all pleasing, (when they wanted your business) to even threatening, albeit accusing me of changing my mind, since I was now forced to pay the entire money.

Will i give them a satisfaction rating, yes but mine will be - 24 %, not because they have only tried to hoodwink me, of my life’s savings, because i am retired now, but also becuase they have treated me with disrespect and tried to shoo me away / get rid of me like i was an annoying fly in the milk.

Dear Sir,
Ref-Travel Insurance Policy no. OG-09-1001-9910-00000090
I took the above mentioned travel policy for my wife Mrs. R.V.Tikekar on 10th April08 & paid thru CREDIT CARD on same day. Till today I HAVE NOT RECEIVED ORIGINAL POICY . I got copy from my mail & gave it to my wife who left on 17th for USA.
I am surprised that FROM PUNE policy has not reached us in THANE till today.
I want which courier services you use ?
I TELEPHONED atleast 10 times to your office but Sorry to say UNABLE TO get reply.
I now feel that Once amount is received, job is done is the policy of company ?
Will someone in company REPLY ME or I have to take this to higher ups in company or address this to other forums.
If COMPANY CARES for CUSTOMER then I must know WHAT IS THE RESON, THAT ORIGINAL POLICY IS NOT DELIVERED TILL TODAY ( 18/04/08 )

V.D.Tikekar.
91-22-25333445.

Hi all!

  I am looking to buy insurance for my in-laws who are arriving in California the first week of December. Mother-in-law is 56 and father-in-law is 61 years old. They both are relatively healthy for their age but do have high-BP (mother-in-law) and high cholestrol (father-in-law).

What would be a good insurance for their age group and health condition?

Thanks,
SK

Does anyone have any experience with Protection America - IMG ( First Health PPO) or Liason International ( Hygeia - Seven corners) ? I checked insubuy.com and both seem very similar interms of providers etc. I am not sure which one is better. I am buying for a person below 60 years of age with no health problems. I was wondering if anyone would recommend one over the other...

Purchased IMG Patriot america for my parents. After couple of weeks my father had difficulty swallowing and we saw a gastroenterologist. The doctor recommended endoscopy and during the procedure found a mass in esophagus. After biopsy, it was confirmed as esophageal cancer. Now, IMG does not want to pay for anything. They are saying that its a pre-existing condition, though obviously this was the first diagnosis. It is difficult enough to deal with such devastating news. Now we have to deal with this insurance company, whom we paid good amount of money for coverage. As any illness/disease that could have existed in last 3 years is not covered, they can basically find someway to say that its a pre-existing condition. Hopefully our experience serves as a good lesson for other folks.

Hyderabad: The insurance regulator IRDA has asked for reports from Tata AIG Life and Tata AIG General Insurance in the backdrop of concerns over the financial problems plaguing their American partner.

While making it clear that AIG’s Indian partners have satisfactory solvency margins, the IRDA, however, said having regard to the developments reported in USA, we have asked reports from the two companies in the matter.

The life and general insurance companies promoted by M/s Tata Sons and AIG are registered under the Indian Companies Act and bound by the provisions of the Insurance Act and other regulations, the watchdog said today.

The accounts of these two companies as on March 31, 2008 indicate that they have satisfactory solvency margins which are adequate to meet their liabilities, the insurance regulator said in a statement here.

The recent developments in the New York financial markets have caused concern in the financial markets in India. There are concerns over the liquidity problems of insurance giant AIG.

Certain newspapers have reported that AIG, a leading insurance group of the United States, has sought financial support from the Fed Reserve and have voiced concerns about the impact the developments in AIG would have on the general and life insurance companies in India in which the American firm has partnered with Tata Sons, the statement added.

I applied for health protector plan of TATA AIG Insurance in month of august. First of all there collection executive said we dont give receipt. This was my biggest mistake to trust that as... face. I was told i will get the policy in 7 working days i called him after 14 days he had some excuse. Then i called after one more week than he had some other excuse. Now he has stopped picking up the phone. And there is no help from TATA AIG call center guys. Better die without insurance but DO NOT opt of TATA AIG. They have no value for customer. They have left all these agents in open market who doesnt have any credibility. And will u beleive one excuse was it is getting delayed because first the applicant has to go thru medical tests ha ha . Remember these three lovely words "NO TATA AIG". For better mental health

Hello,

I'm planning to take insurance for my mother who is visiting for 3 months. Can you please suggest if I should go with Patriot America or Atlas America as she has BP and diabetes.

Please let me know based on coverage , features and doctors/hospitals who accept these plans.

Thanks.

Recently I've got a really bad experience from Tata AIG... I hold a credit card of HSBC, one day I got a call from HSBC person giving an information about this health care insurance from TATA AIG, it was supposed to be different than mediclaim and bla bla bla... I declined the offer from HSBC, however the guy on phone played the first trick, he told me that they will send me information papers about the policies and then I can decide whether to take the policy or not within 14 days of receiving the papers... I made a mistake by saying OK to send the papers, then the call was transferred to TATA AIG executive, who got the necessary information from me...

During this call with TATA AIG, I realized that I've been trapped by this trick and now actually I was availing the policy... At that time what I thought was, let's take the policy (something like which I anyway needed) and go through the documents and as the HSBC guy told me, I can anyway cancel it in 14 days...

At the end of the conversation with TATA AIG (by the way, all this conversation was being recorded for confirmation), the executive told me that only changing the policy level could be done in 14 days without any charges and if I wanted to cancel the policy then I will have to pay Rs.99 per person (I was going for myself, my father and my mother)... here I realized that I was being cheated in daylight!!! but I could not do anything at that moment...

I decided that when the papers arrive, I will cancel the 3 policies and pay Rs.297... so I called the TATA AIG helpline numbers to cancel this... And here came the big blow... now the TATA AIG executive told me that there was no clause at all which said about the Rs.99 per person charges for cancellation, on the contrary I will be charged 25% of the annual premium amount (which worked out to be about Rs.2200)...

When I told him to refer the recorded earlier conversation, he held the call for 2 minutes and came up with a typical cheater's statement "There is no mention of Rs.99 per person for cancellation"...

I am feeling really disgusted "How can I be made so fool"... but in reality, these companies are not fooling... they are "CHEATING"...

So please spread the word and do not fall into such traps.