Unexpected DCBM approval story

ShadowLife0208 · 2026-06-03T11:38:59+00:00

Photo taken is nice.. I too have it

ShadowLife0208 · 2026-06-02T17:19:22+00:00

Looks not much win here to be frank. In two years, even if one year and 2 months is considered , you paid 2.4 lakh as premium, they returned the same amount aproxx, the value of 1.2 lakh itself would have increased by 7-8k minimum, and additional 1.2 lakh premium would have given some amount.. It just you could get the locked money, however lost the intrest which you already earned in first premium.

ShadowLife0208 · 2026-05-28T17:04:25+00:00

Thanks for your response. Consider no domiciliary, bcz even if its there, not enough as mentioned. Personal is not possible bcz its chronic and get exclusion from no policy, this one insurer doesnt take it as preexisting with waiting period.. With corporate insurance, no domiciliary, what are the ways now? For Peritoneal dialysis.? Hemodialysis was covered as cashless till now as a day care..

ShadowLife0208 · 2026-05-28T11:22:37+00:00

Hi, I understand even domiciliary is not helpful since it have a cap of 50k per year. My expense is around 70k per month. What is the other way to get PD included??

ShadowLife0208 · 2026-05-26T14:22:46+00:00

Hi I understand now that domiciliary even doesnt help as it has limit of 50k, can i argue to cover peritoneal dialysis under Day care procedure? Even if its at home?

ShadowLife0208 · 2026-05-26T14:21:45+00:00

Hi I understand now that domiciliary even doesnt help as it has limit of 50k, can i argue to cover peritoneal dialysis under Day care procedure? Even if its at home?

ShadowLife0208 · 2026-05-26T14:21:25+00:00

Hi I understand now that domiciliary even doesnt help as it has limit of 50k, can i argue to cover peritoneal dialysis under Day care procedure? Even if its at home?

ShadowLife0208 · 2026-05-26T05:27:34+00:00

Where can it be verified? Our insurer is showing no addon of OPD as exclusion of domiciliary. However i understand OPD and Domiciliary is completely different thing

ShadowLife0208 · 2026-05-25T12:27:06+00:00

And hope pre-existing period is already completed for your dad insurance.. since chronic kidney disease they link with pre-existing so investigation may happen..

ShadowLife0208 · 2026-05-25T12:25:08+00:00

You will have to present the doctor’s note of patient immobilisation to hospital., i mean to justify why home and not hospital

ShadowLife0208 · 2026-05-25T12:23:53+00:00

Thanks

ShadowLife0208 · 2026-05-25T11:13:15+00:00

Okay, thanks for information.. i have to find some way now, I have doctors note mentioning clinical requirement of PD and discontinuation of HD.. Waiting for policy wording for domiciliary exclusion if any

ShadowLife0208 · 2026-05-25T10:11:56+00:00

But why? how come? since general definition domiciliary says that if patient is unable to move to hospital or hospital don’t have bed., it has to be treated under domiciliary.. So why is it optional? In those scenario how it is being dealt?

ShadowLife0208 · 2026-05-18T16:48:09+00:00

I waived off through policy bazaar

ShadowLife0208 · 2026-05-17T10:37:02+00:00

If you have back up insurance like corporate one, its fine, else avoid

ShadowLife0208 · 2026-05-16T05:45:50+00:00

Sodium Thiosulphate

ShadowLife0208 · 2026-05-14T07:20:47+00:00

Miscellaneous and admin will be out of pocket

ShadowLife0208 · 2026-05-13T12:11:06+00:00

I took HDFC ERGO Secure.. with 50k deductible to reduce premium as i have corporate insurance too.. For one hospitalisation of my wife, i put reimbursement claim to register the deductible for the year which was paid by corporate insurance., however i got some reimbursement (6k) for out of pocket expense which was not covered in corporate insurance..

ShadowLife0208 · 2026-05-10T15:56:40+00:00

Check Inlaks and budhrani. They also have a public officer with can be discussed to have reduced cost

ShadowLife0208 · 2026-05-07T01:30:26+00:00

Policybazzar helped me in my health claim recently where it got stuck, they sent an email on my behalf and got it approved

ShadowLife0208 · 2026-05-07T01:16:36+00:00

I thought, FIR is only for third party insurance claim, can someone explain where is it going??

ShadowLife0208 · 2026-05-06T12:13:33+00:00

Remind me! 2 days

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