Two private detective investigators came to my house to verify a health insurance claim that we made. I am now wondering if health insurance is even worth it. Here's my story.
On Monday 7th April morning, while I was on a call, I got four missed calls. When I called back, I was told 'Sir, I am standing outside your building regarding your health insurance claim. Please let me in.'
There are two of them. I give them consent to come home because I need my claim passed, right?
here's what they asked from us:
1. All documents for our claims. When we said we already submitted the originals to the health insurance company they said, we want copies.
2. Luckily we had one set. He took photos of all the file.
1. All documents for our claims. When we said we already submitted the originals to the health insurance company they said, we want copies.
2. Luckily we had one set. He took photos of all the file.
3. He wants GOOGLE TIMELINE data to prove that we were at the nursing home on that day at that time. We said, we don't share location to Google and won't to you.
4. He wants credit card statement to prove we made the payment.
4. He wants credit card statement to prove we made the payment.
5. They take photos of our home as well.
6. They made us talk to some random person from their agency who enquired about all possible details and much more regarding the claim.
6. They made us talk to some random person from their agency who enquired about all possible details and much more regarding the claim.
The process took almost an hour after which we were told to sign a declaration for documents we did not share. Of course, they were polite and obviously we consented to all of this. We need our claim passed, right?
Finally, they said 'all health insurance companies do this' when I asked if this is only for my claim. In fact, he showed me a bunch of declarations on his mobile phone to prove that this is a common practice now.
I give up really. I know that faking documents comes naturally to us, whether it is fake donation receipts, fake petrol bills, etc. So putting fake claims to health insurance companies is par for course, right guys?
I was not contacted by my health insurance company at all. These guys just landed up outside my building. But that's obvious right? If you give advance warning then I will certainly do a scam lol.
I'm not naming the insurance company because if this is standard industry practice, then who to blame? I myself would have signed on some T&C in my policy that allows Hercule Poirot and ACP Pradyuman to investigate my claim.
Hence, this tweet thread is for information purposes only guys! Like RBI says - SATARK RAHIYE!
A few insightful comments on my LinkedIn: linkedin.com/posts/anupam9g…
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