Insurance claim on Hospitalisation, partly earlier to policy start and rest in the policy period.
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A corporate-co employee Insurance claim enables to claim 1st claim without any waiting period.On the month of 1st premium paid through co, if a member was admitted to Hospitalization 4 days prior to start of the policy and extends to 17 days, Shall the claim be paid for full 17 days or (17-4=) 13 Days. If insurance co says not possible to claim any day, because of admission done before start of POLICY, what shall one can do, i.e can any civil case be filed. Orelse what are the possible ways to get the claim amount.
It being a corporate-co policy, No policy No. is given to employee, so I do not think that it can be taken to IRDA ombudsman/ complaint.
Does the Insurance ACT allow to claim the amount leaving the 4 uncovered days.