Recently, a close friend of ours, Aman (name changed), was admitted to the hospital for a deviated nasal septum surgery. Thankfully, his health insurance was in place, and the cashless claim was approved smoothly at the hospital. The surgery went well, and Aman returned home assuming that the insurance process had been fully taken care of. However, what Aman—and many policyholders—didn’t realize was that even after a cashless approval, some expenses are processed separately under reimbursement. When those amounts didn’t come through, confusion and concern set in. The communication from the insurer wasn’t very clear, and the claim started facing repeated queries. This is where MyInvestBuddy stepped in. As his advisors, we coordinated closely with Aman and the insurer, sharing every document that was requested—hospital bills, discharge summaries, prescriptions, and reports. Despite promptly submitting everything, the claim kept getting rejected due to technical and documentation-related issues. It was a frustrating process, but one we were determined to see through. Through persistent follow-ups, detailed emails, and continuous coordination between the insurer and Apollo Hospitals, we eventually identified the real gap: a missing official hospital stamp on one of the submitted documents. Once the required stamp was obtained and the documents were resubmitted, the insurer reviewed the case again. This time, the reimbursement claim was approved. For Aman, it was a huge relief. What could have become a stressful and unpleasant experience turned into a moment of trust and reassurance. For us at MyInvestBuddy, it reinforced our core belief—that true advisory doesn’t end at policy issuance. It shows its real value when clients need support the most, and someone is willing to persist until the job is done.
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