icon Health Insurance company asking for the MLC certificate but hospital denying MLC

Health Insurance company asking for MLC as it is a road accident, So I requested Hospital for it but hospital that is not the case of MLC My father had a road accident due to driver turned the car in

3 Response(s)

9 months ago


A. Dear Client,
Medico-Legal Certificate (MLC) is required in cases of a road accident or an incident that has led to injury or death. Sometimes patients are admitted straight to an emergency room for medical attention. In such cases. In government hospitals and most of the major private hospitals, a medico-legal register is maintained wherein accident cases are registered by hospital authorities at the time of admission/treatment and submitted to the local police station. Based on the report, the ...ReadMore

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icon insurance claim by third party

whether the third party of insurance can claim insurance before consumer court ? if not then which court?

3 Response(s)

9 months ago


A. Dear Sir,
There is one office called Insurance Ombudsman. You must exhaust remedy by approaching the said office and thereafter you can go to Consumer Court.

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icon Regarding sublimit in insurance

I had a insurance policy which had a clause of sublimit or Rs 4,00,000 for Immunotherapy - Monoclonal Antibody to be given as injection. I had total expense of Rs 6,23,940 during hospitalisation and d

2 Response(s)

9 months ago


A. Dear Client,

This claim by your insurance company depends on two factors:-

1) What the rest of the treatments other than the monoclonal antibody injection were,
2) and Whether these rest of treatments are counted as Immunotherapy according to your insurance policy.

Companies usually have different insurance policies and they have varied definitions of what does and does not count as Immunotherapy.
If your insurance police has clauses that include certain treatments you got along with the mo ...ReadMore

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icon Insurance claim reject

Dear Sir /Madam,The insurance company rejected my truck's damage insurance claim on the grounds that During the accident one driver and two handymen (a total of three) were present but RC mention a si

1 Response(s)

9 months ago


A. Dear Client,

The Motor Vehicle Act, 1988 empowers the Motor Accident Claims Tribunal to deal with the claims related to injury or loss of life/property resulting from a motor vehicle accident. To get the necessary compensation under the Act, when the Insurance Company rejected the claim for compensation for personal injury and damage of vehicle in a road accident, the aggrieved parties need to apply to the Motor Accidents Claim Tribunal. Section 166 of the Motor Vehicle Act,1988 and MV Centra ...ReadMore

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icon Slip and fall Personal Accident Insurance Claim

Does the incident of slip and fall in bathroom comes under the definition of Personal Accident as per Personal Accident Insurance Policy.

1 Response(s)

9 months ago


A. Hello,
An identifiable physical injury which is caused by a sudden, unexpected, specific event occurring at an identifiable time and place during the period of insurance and which results in the death, disablement or permanent total disablement of an insured person.

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icon Cancellation

How to cancel the treatment in kolors and emi ?

2 Response(s)

9 months ago


A. Hi client,

Not able to understand your problem. Kindly throw some more light in this.

Thanks and Regards
Simi Paul

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icon Hospitalisation claim rejection and policy cancellation from Health Insurance Co

My mother has Senior Citizen Health Insurance policy on Feb, 2016 and her hospitalization claim for Respiratory ASTMA disease and Hypertension was rejected from the Health Ins co. stating that she ha

2 Response(s)

9 months ago


A. Dear Client,

Since the health insurance policy of your mother was renewed continuously for more than 48 months from the date of inception, the policy covers all the PED as per the terms of the policy. Repudiation of claim on the ground of PED and cancellation of Renewal of policy after the expiry of look in period is not acceptable being unfair and arbitrary so far the provision of IRDA(Protection of Interest of Insured) Regulation, 2016 is concerned. Reach out to an Advocate experienced in con ...ReadMore

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icon Less payment of expenses incurred for medical treatment

My wife medical expenses claim was under paid by ESI. What I should do. I incurred totally 5.7 lakh. Whereas received only 1.5 lakh.

3 Response(s)

10 months ago


A. Sir ESIC is governed by the State Govt and that there is an approval limit for specific disease hence

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icon Motor Insurance Claim

Insurance purchased on 25-Nov-2022 valid for one year, Car accident happened on 17-Feb-2023. Immediately informed to agent & Branch manager & sent on email about accident & all other photos & document

3 Response(s)

10 months ago


A. Dear Sir,
You may get issue a legal notice failing which approach Insurance Ombudsman to settle your claim otherwise approach Consumer Court.

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icon How to recover my money with policy agent

How to complain for recover my money with policy agent

3 Response(s)

10 months ago


A. Good evening!
The facts given are insufficient to provide any specific legal advice. Please contact an advocate or provide more details regarding the same.

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