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Care Health Insurance closed a mother's hospital claim after deducting ₹1.43 lakh, with no prior request for bill break-ups

Care Health InsurancePC-2026-03205Insurance ClaimsAnonymous ·
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Extremely disappointing experience with Policybazaar and Care Health Insurance! My mother was hospitalised in July 2026, and ever since, I have been following up for settlement of her medical insurance claim. Care Health Insurance abruptly closed the claim after deducting approximately ₹1.43 lakh, citing non-submission of break-ups of certain bills included in the final hospital bill. Surprisingly, no such request had been raised with me before closing the claim. I personally visited the hospital, obtained the required documents in September and emailed them to Policybazaar around 10 September 2026. Despite repeated follow-ups, Policybazaar forwarded these documents to Care only on 3 October 2026, keeping them pending at their end for approximately 25 days! Despite weekly follow-ups with Policybazaar’s claims team, the claim remains unresolved. Reimbursement of pre- and post-hospitalisation expenses is also pending. This experience reflects an alarming lack of professionalism, accountability, coordination and empathy towards customers. What is particularly disappointing is that a customer already dealing with a parent’s hospitalisation is forced to spend months chasing two organisations for a legitimate insurance claim. Insurance is purchased for financial protection during difficult times, not to become another source of stress and harassment. Policybazaar and Care Health Insurance need to understand that customer service does not end with selling a policy; it begins when a customer actually needs the insurance cover. I sincerely expect the senior management of both organisations to intervene, ensure expeditious settlement of the pending claim and reimbursements, and take accountability for the unnecessary delays. #Policybazaar #CareHealthInsurance #HealthInsurance #CustomerExperience #Accountability #CustomerService

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  1. Case filed

    Filer · 3 Nov 2026, 7:30 am

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