Thread by @nishsanghavi

@HDFCERGOGIC can you confirm that as an insurer you would have only restrictive room type tie ups with hospitals?
Why would hospital deny a suite room saying we have only deluxe room tie up with hdfc ergo and the policy taken is optima secure for Rs.50 lacs sum insured which

Is suppose to cover any room type when sum insured is more than 50 Lacs which is mentioned on website, policy wordings, brochures and all literatures clearly says any room rent category selection for 50 lacs sum insured. If insurers are allowed to be selective in room category

then it's fooling customers who after being taken into surgery come to know that their insurer won't allow despite paying all the expensive premium that the product so called says.
Hope #irdai is looking into this. If we go to ombudsman the time money and energy involved is

Is tremendous as they have separate legal team to take care. Are we reallying evolving as country or accepting the gundagardi of the insurers whose mercy we are on.
Insurers including @HDFCERGOGIC
Needs to mention on the website which hospital under cashless has which type of

room approved which would be fair and legal for policyholder. Buyer beware still applies despite things being so much transperent and trusting a brand like hdfc. Don't fall in the trap of more benefits at no extra cost.The image says 10k cashless hospital needs to be

updated that which hospital wud cover upto which room type.

@nsitharaman @themahavir @BeshakIN @InsuranceSamad1 @ActusDei @kayezad @livemint @suchetadalal @MoneylifeIndia

This is absolute false and should be trusted.

After insisting a lot and fighting the whole day claims team from hdfc responded with the following image. To cover up they say Suite room isn't essentials. Can someone clarify this ?

So the fight went on and on through the day and then finally @HDFCERGOGIC accepted they don't have tie up beyond deluxe room. Again reminding buyer beware. Even sometbing like that can happen with you.

So because of hdfc s non tie up beyond deluxe room the client has to suffer and here the insurer wud process cashless and reimbursement under same claim. Process unknown to anyone in the system. As insured my point of debate as right i should get the room type

I want as i paid for the exuberant premiums and my family suffers because of someone's stupidity. I shouldn't be misled by policy wordings. Hope the right ears are listening.
@monikahalan @dhirendranm @helloturtlemint

Correction and typo Shouldn't be trusted.