I have taken mediclaim for Rs.200000 in Dec 2004 without any medical checkup under SBI credit card scheme. The policy was renewed in dec 2005.Now I went thro bypass surgery in march 2006.when claim was put to insurance they say that it is pre existing so they can not pay. Is it not duty of company to get me checked for any disease before issuing policy? why do they reject claim on such fil,msy ground?
For sign-up the mediclaim policy, original insurance company promots very heavily but claim settlement are managed by third party services like Medi-assist. This creates difficulty to customer.
Can a TPA deny the cashless facility while getting oneself treated in registered nursing home also mentioned in the list of TPA? If yes, on what grounds?
The article doesnot give information about Incometax benefits.
As per the present rules of Itax, the limit is Rs 1.0 lacs for all LIC /insurance premiums. Whether mediclaim premium is part of it or one can get additional tax benefit over and above 1 lac limit??
