Consumer Redressal

01. I have taken an HDFC Ergo health policy and following my hospitalisation, I submitted a supplementary bill for the pre & post hospitalisation expenses. 02. HDFC Ergo rejected my claim without assigning any valid reason. However, I explained to them the complete chronology of the treatment taken from different doctors & hospitals, but to no response from HDFC Ergo. 03. In fact, my problem started with severe backache, so I went to a Physiotherapist, who, finding no improvement after giving preliminary treatment, recommended for an MRI. After examining the MRI, he advised for 7 day’s traction, but unfortunately, still there was no improvement in my pain. 04. Having no relief even after the above treatment, I was forced to consult another doctor and went to Dr. N.K. Agarwal, who is a qualified doctor (M.B.B.S.) and highly experienced physician in my neighbourhood. In his treatment, he advised for certain blood and other tests. 05. From the report of the above tests, Dr. Agarwal found deficiency of vitamin C & D and accordingly started the treatment. Seriously panicked with the condition not improving at all, I and my family now decided to visit Apollo Hospital and who endorsed the observations of Dr. N.K. Agarwal, but, however, advised for a little different medicinal course and asked to report back after a week’s time. 06. Since it was too far away from my residence and the treatment also being almost the same as Dr. N.K. Agarwal had prescribed, I again started consulting Dr. N.K. Agarwal. During this period, I had lost about 5 kg. weight and also lost stamina to stand on my feet for 5-10 minutes at a stretch. Finally, with severe back ache and trembling feet, my kin took me to the Asian Hospital, where they straightaway advised for admission for detailed diagnosis and further treatment. In their diagnosis, they found excess of vitamin “C” leading to SARCOIDOSIS. 07. The entire process elucidated above is a sequence of event without any gap and the doctor at Asian finally confirmed that all my problems right from day one was due to this only. 08. I hope the above course of treatment clearly substantiates that the entire problem, right from day one was due to SARCOIDOSIS only, but earlier diagnosis were not, perhaps, correct, whereas the entire treatment was for one single problem of severe back ache.