I joined the x company on 12th April 2016. My family was covered under corporate mediclaim provided by medi assist india. on 8th May 2016 my son was hospitlised for 9 days. I paid all the bills and submitted all the documents for mediclaim.
My claim was rejected as company did not applied for my medical insurence on joining.
Following message received from insurer--
"Please find the below claim is Out Of Scope,
Beneficiary cover from : 20 june 16, Date of Admission: 08 may 2016."
My contract and company HR manual clearly states that my family is covered under mediclaim from date of joining.
Both my employer and insurance company not ready to entertain any request.
Please advise how can i proceed further to claim the amount.