The real question is how fast is this coverage available when an unforeseen contingency arises. Right now the TPA service is available for 6 contingencies only. For all other ailments/ surgeries/ sickness requiring hospitalisation and sudden payment of money at the hospital counter, no help is available under the policy conditions. You have to pay and then claim from the Insurer. Again how fast you get the claim differs from One office of the Insurer to another in a different region.
There were instances when the amount claimed was not fully reimbursed as per rules. This inspite of reliable proofs from hospitals of repute. There seems to be a suspicion that either the hospital or the insured or both are felons. So while fresh option should be welcome, all organisations of pensioners must demand for issue of IDENTITY CARDS which can be shown at Hospitals and required service is availed without the necessity of running from pillar to post. Otherwise the figures of increased coverage remain on paper for the smug satisfaction of management and the organisations.
If the organisations feel a Dharna or relay hunger strike is necessary to achieve even this small concession (as per contract) it is time they act at once.
If the organisations feel a Dharna or relay hunger strike is necessary to achieve even this small concession (as per contract) it is time they act at once.