Sad Reality of Health Insurance, Woman denied claim while admitted in Hospital

In a recent incident, a former journalist shared her distressing experience with HDFC ERGO insurance. Preeti Chobey, who had insurance coverage from HDFC ERGO, found herself in a difficult situation when she was admitted to the hospital after suddenly losing consciousness. However, her medical claim was rejected by the insurance company, citing her condition as being caused by “tension”. As a result, Chobey was left to bear the burden of the medical bills on her own.

Expressing her frustration, Chobey took to social media platform X to voice her disappointment. She wrote, “I was admitted to Medanta due to sudden unconsciousness as I had HDFC ERGO general insurance which covers Medanta. They referred me to ICU heart. Later, HDFC denied my claim stating it happened due to tension. I trusted my insurance, and now they have left me with no choice.”

Chobey’s post gained significant attention and sparked a backlash against the insurance company. It garnered over 1.4 million views on X, highlighting the public’s concern and support for her situation.

In response to Chobey’s post, HDFC ERGO wrote, “Hello Preeti, this is certainly not the experience we want you to have, and I deeply regret any inconvenience caused in the process. I request you to share your policy number and contact details privately so I can re-escalate it to the relevant department. Wish you good health.”

Interestingly, HDFC ERGO was previously recognized as one of the top five insurance companies in India on Moneycontrol-Securenow Health Insurance Ratings in 2023, specifically for its commendable claim settlement practices. The company had also established itself as a leader in claims settlement rates in 2022. This recent incident, however, raises questions about the consistency and reliability of their claim settlement policies.