Claim denials
Short settlement and unexplained deductions
The claim is not refused outright. It is paid at a fraction of the amount, with deductions the policyholder cannot get explained. Without an itemised breakdown there is no way to tell a valid deduction from an arbitrary one.
Health insurance
Health Claim Partially Settled With No Explanation: A Transparency Failure
A policyholder received a partial health insurance settlement with deductions but could not obtain a clear breakdown, a list of non-payable items, or the promised supporting documents from the insurer.
Health insurance
Health Insurer Rejects First-Ever Claim After Two Years of On-Time Premiums
A policyholder who paid health insurance premiums on time for two years had their very first hospitalisation claim rejected on grounds that reportedly contradict the policy's own terms, and received no meaningful response from the insurer's grievance channels.