Savage_Saurav💯 @SauravRajput29 - Twitter Profile

6 months ago

@careinsuranceIN @CareHealthIndia This needs serious attention and your team need to be most helpful at times like these but instead they are finding points to reject the claim time and again! Even after multiple doc submission, you team has been least helpful to my family!

Vishakha Singh @Vishakh81092672

6 months ago

Hi @careinsuranceIN I genuinely want to ask — what exactly is the point of health insurance if claims are rejected over technicalities that ordinary people are never properly educated about? My father has COPD. I bought a health insurance of cover 10 lakhs from @careinsuranceIN on Sept-2025, his policy ID: 22284817. While purchasing the policy, I HONESTLY disclosed it as a pre-existing disease. I also disclosed his smoking history and occasional drinking because your team specifically asked for these details. Because of COPD disclosure, I am already paying a little higher premium. Now recently, my father suffered a brain hemorrhage. He was admitted to CCU and is currently paralyzed on the right side. I am the sole earning member in my family and was depending on this insurance during one of the toughest phases of my life. Instead of support, the entire claim process felt like your team was trying to find reasons to reject the claim. Documents were repeatedly requested even after submission. The hospital cooperated fully and provided everything multiple times. During verification, I honestly informed the team that my father had undergone a tracheostomy 2 years ago due to COPD-related complications. One old prescription also mentioned “loud snoring.” That single point became the reason for rejection. Claim rejected because: “Obstructive Sleep Apnea existed prior to policy issuance.” For people unaware: Sleep Apnea is a condition where breathing repeatedly stops or becomes irregular during sleep, often associated with loud snoring. Now my questions are: 1. If I already disclosed COPD, why was I not clearly guided about related conditions like Sleep Apnea during onboarding? 2. If your onboarding team explicitly asks about smoking and drinking, why not explicitly ask about Sleep Apnea too — especially when it can later become a reason to reject claims? 3. How is “loud snoring” enough to deny a major claim related to brain hemorrhage which by the way does not even exist after the previous surgery? 4. If this was such an important disclosure, why was it never highlighted clearly to a non-medical person buying insurance in good faith? This honestly feels less like protection and more like searching for loopholes after collecting premiums for years. If anyone from the insurance/legal field reads this: > Am I genuinely at fault here, or is this unfair claim rejection? > Can I still fight for reimbursement or file an appeal/consumer complaint against this? What are my legal options further? #CareHealthInsurance #InsuranceClaim #HealthInsurance #MedicalEmergency #IRDAI #ConsumerRights #India

Vishakh81092672's tweet photo. Hi @careinsuranceIN
I genuinely want to ask — what exactly is the point of health insurance if claims are rejected over technicalities that ordinary people are never properly educated about?

My father has COPD. I bought a health insurance of cover 10 lakhs from @careinsuranceIN on Sept-2025, his policy ID: 22284817. While purchasing the policy, I HONESTLY disclosed it as a pre-existing disease. I also disclosed his smoking history and occasional drinking because your team specifically asked for these details.
Because of COPD disclosure, I am already paying a little higher premium.
Now recently, my father suffered a brain hemorrhage. He was admitted to CCU and is currently paralyzed on the right side. I am the sole earning member in my family and was depending on this insurance during one of the toughest phases of my life.
Instead of support, the entire claim process felt like your team was trying to find reasons to reject the claim.
Documents were repeatedly requested even after submission. The hospital cooperated fully and provided everything multiple times.

During verification, I honestly informed the team that my father had undergone a tracheostomy 2 years ago due to COPD-related complications. One old prescription also mentioned “loud snoring.”
That single point became the reason for rejection.

Claim rejected because:
“Obstructive Sleep Apnea existed prior to policy issuance.”
For people unaware:
Sleep Apnea is a condition where breathing repeatedly stops or becomes irregular during sleep, often associated with loud snoring.

Now my questions are:
1. If I already disclosed COPD, why was I not clearly guided about related conditions like Sleep Apnea during onboarding?
2. If your onboarding team explicitly asks about smoking and drinking, why not explicitly ask about Sleep Apnea too — especially when it can later become a reason to reject claims?
3. How is “loud snoring” enough to deny a major claim related to brain hemorrhage which by the way does not even exist after the previous surgery?
4. If this was such an important disclosure, why was it never highlighted clearly to a non-medical person buying insurance in good faith?

This honestly feels less like protection and more like searching for loopholes after collecting premiums for years.
If anyone from the insurance/legal field reads this:
> Am I genuinely at fault here, or is this unfair claim rejection?
> Can I still fight for reimbursement or file an appeal/consumer complaint against this?

What are my legal options further?
#CareHealthInsurance #InsuranceClaim #HealthInsurance #MedicalEmergency #IRDAI #ConsumerRights #India

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Savage_Saurav💯

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