Apollo Munich Health Insurance Customer Care

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

Dear sir mene apollo munich se apne father ka health insurance kraya tha ab unka accident ho gya h vo 30/11/2019 se hospitol m h hospitol se bar bar approval k liye apply kiya ja rha h bnha se approv nhi bhej rhe h jisse kafi problem ho rhi h hm discharge nhi kra pa rhe h jiska sikayt company ko kiya ja chuka h ek bar complend number 6316632 mila h policy number 120100/12001/2018/a012708 or id number 694682 h mr. Manbir singh bhati k name se to plese apse reqset h ki problem sholb kraye. Thanku

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

I have taken insurance policy for rs 5 00 000.00, before issuing policy they
Have conducted pre medical test and after being satisfied with the findings
They have issued policy, by eliminating claim to prostrate and any related claims. I was hospitalized at hyderabad at sri sri holistic mr mr19022081 and admitted on 07.09.2019 and discharged on 08.09.2019 with complaint of shortness of breath associated with sweatings since 1 day, chest discomfort since 07.09.2019. I have claimed rs. 21100.00 which later disallowed on the ground that i have not produced 1. All prescriptions of joint pain since 30 years, though i have complied other two items.

On 02.07.2018 i consulted dr. M. Shankar rao, orthopedic for knee pain at right leg, he prescribed some tablets, after its use i was relieved from the pain and i also forget it. Now the insurance company claimed that i did not disclose the fact of pain in the right leg at the time of pre medical test. The insurance company apollo munich disallowed the claim on the ground that i am suffering from ostio arthiritis, without seeing the patient, without conducting any laboratory tests
The action of the insurance company shows that they want to evade the claim with some pleas, which was not new to them since i have seen so many consumer cases against the company for such of their acts.
Will you please settle the matter basing on natural justice.

Seetapathirao,
Advocate d/ 11.01.2020

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

My aunty met with a accident and suffered a fracture, the policy says accidents are covered after 30days of policy bought. Yet her claim was declined giving a reason that the treatment which was done to save her life is not covered. She is a widow and with no source of income. She had to beg others to get her treated. What is the use of taking such health insurance which is famous for declining claims. Some day you will be in her shoes and it is going to hurt you very bad.

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

Dear sir,
I (Mrs. Rohini valluru) and my daughter (Miss. V v srimukhi) having apollo munich policy with following numbers respectively
1. Pe01444930
2. Pe01415072
Every year we are getting problem with renewal process, we have approached your team
1. Mr. Lohi[protected]
2. Mr. Sanjay das[protected]
3. Mr guru[protected]
And called the above guys several times (Last 10-15 days) to resolve the issue. We are maintaining sufficient funds in our bank account which was linked to policy and auto renewal option is also enabled from bank side.
How ever your employees are not at all responding and resolving my problem, and we are approaching consumer form and irde to take action against the team.
I request you to kindly look into the matter and take appropriate action to get active state for my policies also request you to take an severe action against the above said employee so that other customers may not face the same problem.

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

I am a customer of you from last 6 years. this year health jinn app shows that there is no active policy. this is non sence.

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

I would like to share my experience with my Health Insurance Company APOLLO MUNICH(now being referred as HDFC ERGO)

I am of the opinion that Health Insurance shall not be used for small health issues, but it will be helpful at time of critical hospitalization.

My opinion was proved wrong. I am paying Rs40000 pa towards my family health insurance, but I had not received a single rupee for critical illness which cost me nearly 11LACS. But the insurance company troubled me a lot.
The apps, Technology of Insurance Company is only a marketing strategy, but could not give the customer a single rupee.

Policy number: 130100/11301/AA[protected]
HDFC ERGO ID : [protected]
CCN No : RC-HS[protected]
Claim 760370

My wife suffered acute CEREBRAL SINUS VEIN THROMBOSIS, nearly 90% of brain veins are blocked and the doctors of Continental Hospitals graced and by their grace, my wife survived. But please see how the Insurance Company responded in this whole episode.

For the cashless claim, the hospital and Insurance company corresponded with each other. For a claim amount of Rs160000, Insurance company sanctioned just Rs30000, but please note that Rs160000 of claim amount is all medical expenses and Insurance Company came forward to pay just Rs30000. Before discharge from hospital, for another claim of Rs10lac, Insurance Company sanctioned another Rs30000

Hospital people submitted all relevant documents and finally they said
“We had done our best, the Insurance company not responding properly, you have to pay bill by yourself”. In this way, I could not get a single rupee from Insurance Company and have to bear nearly Rs11lac by myself.

Following are the experiences with respect to my reimbursement claim
The claim just disappeared from the app
When asked about reimbursement through gmail “Your concern was registered”, “Your issue was resolved” are the replies but not single paisa.
When approached their office at Hyderabad”we are now in transit from Apollo Munich to HDFC ERGO, we don’t have module to know your claim status”, “We are not at all concerned with HDFC ERGO”, “staff are leaving the company due to covid”. These are the replies
God only knows how my reimbursement will be settled. All the original medical reports I submitted are at the mercy of HDFC ERGO.

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

Hi there, I'm 36 yrs. of age having mediclaim policy by Apollo Munich(DKV) from past 2 years.
I’m suffering from High Blood Pressure from past 3-4 months, yesterday while I was in office I started sweating a lot with pain in head & chest, Straightaway I went to the Hospital (Emergency) & doctors asked me to get admitted Immediately, as I have the personal mediclaim policy hence I didn’t hesitate to get admitted, while doctors where examine me and send fax to claim the medical insurance, the APOLLO MUNICH decline my case, as per them my case is not that serious & I should not be get admitted for that.
I spend two days in hospital & have to pay the amount from my own pocket?
Kindly explain, is it my fault if doctor ask me to get admitted immediately, or should I supposed to call Apollo Munich and ask them whether to get admitted or not?
Please help
Vishal Bhatnagar

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

I, jyoti agarwal, wife of shashwat agarwal, holding a policy, no.
;- 110102/11121/AA00044668
would like to complaint against the mental harrasment, being caused from, due to the denial of cashless claim.
My husband who is the only earning member of the family, has had a terrible accident, and he is being treated at Max hosp. Saket since 8th of oct.
He has had partial disability and in such a grave situation, i desperately need this cashless claim of Rs. 6Lacs as promised by your insurance advisor, otherwise the medical treatment required for my husband wont be possible.
kindly help me in this hour of need.

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

Please note that it has been a month since there in no status of being covered under the policy or not.. Further the money towards the premium has been cleared a month back itself.

It is hard to believe of the large and reputed organization especially in such an industry and sector like medical insurance.

Not sure of the losses (Hope doesn't arises) especially on family floater policy that has been applied for.

Look forward to a revert before the next logical step initiated as have almost lost patience.

Dis-satisfied (Probable) client for apollo munich. This is the scenario where the corporate policy has been with the apollo and no benefit extended at all.

Rohit bajaj

[protected]

+91 124 458 4333

www.apollomunichinsurance.com

Apollo Hospitals Complex,Jubilee Hills, Hyderabad, Andhra Pradesh, India – 500033

Dear Sir,

I had taken Apollo Munich Health Insurance last year March-2012. My Policy No: 120300/11052/[protected] & its covered a sum insurance for my family ( Myself- RIAZ KHAN, My Wife TASNEEM AQSA & My Son REHAN KHAN) upto Rs 7.5 lac & also covered critical illness of each individual of Rs 7.5 lacs.

On Dec-12 I discovered a small (VASCULAR MALFORMATION-VENOUS) on my left thigh & went to visit a Doctor in Manipal Hospital & he advice for an MRI (report enclosed). As I been employed in UB Group, hence decided to go for an operation in Mallya Hospital only and contacted a Vascular Surgeon (Dr.Nagabhushan). He gave a date of 30th January-2013. (Dr Reports enclosed). Then Hospital Insurance representative (Ms.Neha) submitted document for Insurance claim to Apollo Munich & Claim reference No: 73298 on 28th January-13.

Things got worse from there on. The Apollo Munich Representative ( Dr.Yashwant-[protected]) kept rejecting the claim with various reasons. Mallya Hospital representative told that such things are very common these days with Insurance company. Better you get admitted & once we submit the admit reports & all, they will surely clear your claim.

Finally I got admitted on 30th Jan-13 (Thursday) & again hospital people submitted claims but Apollo Munich Representative ( Dr.Yashwant-[protected]) rejected the claim again by asking some more documents. Finally I got operated on 31st Jan-13 & while taking discharge on 1st Feb-13, Mallya Hospital has submitted all relevant documents (Copy Enclosed) in the morning. But Apollo Munich Representative ( Dr.Yashwant-[protected]) kept asking some documents & this exchange of mails continued for another 5 Hrs.

Finally at 4.00PM Mallya Hospital representative inform me about this which is a huge embarrassment for me & my family members. I immediately made a cash payment & took discharges before things get more obnoxious.

Between these exchange of mails I contacted below listed persons of Apollo Munich & ask their cooperation but rather helping me all tried to escape their hand.
1. Saurabh Pandey-[protected]
2. R Yogananda Reddy- [protected]
3. Dr. Yashwant-[protected] (whom I explained many times over phone about my case but always tries to keep sending different queries)

Enclosed:
1. Discharge Summary
2. Bills Copy
3. Dr.Nagabhusan review
4. MRI Report

Request you to look into the matter with deep concern & suggest further action in this regard. Also want a strict action against the representative mention above so that it avoid unnecessary harassment of customer & save your company image. While selling Mediclaim, these representatives knock every corner of doors & when it comes to claim (Especially from Individuals) they turn their backs.

With a copy of this I am marking copy to:
1. USL Admin & HR Dept to inform all individual Insurance holder of Apollo Munich about this incidents
2. Consumer Complaints Forum
3. National Consumer Help Line

Regards
Riaz Khan
UB Group
UB City, 24, Vittal Mallya Road, Bangalore-560001
Mobile: +91-[protected]