Bajaj Insurance-failure to settle insurance claim
We had taken overseas mediclaim insurance from bajaj alllianz insurance company for europe and norway,
unfortunately my wife and son met with an accident while doing snow mobile activity in tromso, norway and got hospitalized. we had to cut short our further trip and i had to extend my stay in tromso hotel. apart from loss of booked itinerary and flight tickets, i had to spend for extended stay in tromso hotel, everyday travel to and fro hospital, food, return flight tickets to oslo (for connecting flight), transfer to airport, hospitalization costs etc.
when back home, we informed the insurance company and forwarded our original bills for claim. after taking long time, we got a reply from the insurance company that our claim was rejected for the reasons that we stayed back and did not return home immediately on cancellation of further trip and that hospitalization cost were not covered for dangerous sport activities.
In short, while taking insurance, we are only provided with cover note. But during claims, the insurance company would read out fine prints of their terms and conditions and somehow reject paying claims amount. more