My father made a health insurance from TATA AIG with a premium amount of Rs 1515 per month on December 2015.In the last December of 2016 my father fell ill and was admitted R.N Tagore Hospital, Mukundapur, Kolkata.Because of a cardiac surgery I had to make the mediclaim and I went to apply for the same.The claimable amount for the policy was 80 percent for 1st claim and so on.As it was the 1st claim and the surgery charge was 3.8 Lakhs we made the arrangement for the rest 20 percent that is 38k but I got the claim of only 1.8 Lakhs and then we went to dilemma.We had to manage the remaining amount and made my father discharge.Did we really insured ourselves ? If yes then why didn't we get the committed claim amount.When I came back I went to the insurance office they made an excuse of company's maximum capping policy even though at the time of making the insurance they said there is no capping on maximum claim. I simply hate this insurance company. They promise onething but does the other thing.
