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Pradeep (Advocate)     21 March 2012

Health insurance claims

Hi all,

I would like to knw, if there is any law in india that makes it mandatory for a hospital to provide ORIGINAL medical records of a patient, when it is required for health insurance reimbursememt claim. the insurance company says that they cannot rely on even an attested copy and need originals of the lab reports. however, the hospital says, they can provide only the attested copy of the records.






 4 Replies

adv. rajeev ( rajoo ) (practicing advocate)     21 March 2012

They only supply the attested copy.  Originals they keep with them for their records.  If office wants it can cross cheque it.

V R SHROFF (Sr. ADVOCATE Bombay High Court Mob: 9892432152)     24 May 2012

Bills & receipts and few pathological reports  are demanded in original to pass your claim. 

Rakesh (Advocate)     05 July 2012

Take direction from court... court will summon to the concerned hospital to produce documents.... the same can be adopted at the time of the trial / during the proceedings....

file Consumer Complaint against the Insurance Company that they are intentionally not allowing the claim only on the basis of non avability of original documents. Therefore you can file application for the same before the forum.

Ramalingam K (Founder and Director of Holistic Investment Planners (P) Ltd. a financial planning nd wealth mgt company. An M.B.A. graduate nd CFP certified professional having 11 years of experience in investment advisory.)     08 May 2014

Apart from term insurance you may also consider a few more points. This checklist will help you taking the right coverage and right policy.

You may check the below link for more and taking the right mediclaim policy.



Ramalingam K, MBA, CFP,

Director and Chief Financial Planner,

Holistic Investment Planners

“Best Performing Financial Advisor Award” Winners from CNBC TV18

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