Ungoverned · model alone
“Good news: your sum insured is ₹5 lakh and the bill is only ₹1,86,000, so
you're fully covered. Submit the discharge summary and the original bills, and you should receive the entire
amount back.”
- no clause cited
- no source to check
- ignores the room-rent cap, off by ₹54,000
- nothing to reopen at the ombudsman
Fluent. Confident. Wrong. And unprovable either way.
Zuno recordzr_clm-7d31e2
suggests“fully covered, ~₹1,86,000”
decidespolicy section 3.2 · room ₹8,000 > allowed ₹5,000 → pay in proportion
verifiespaid at 62.5% ✓ · room ₹15,000 + room-linked ₹75,000 + medicines ₹42,000 ✓
Your claim pays ₹1,32,000, not the full bill. Your plan covers rooms
up to ₹5,000 a night and you took an ₹8,000 room, so the charges tied to the room are paid in that same
proportion. Medicines are still paid in full.
Verified
₹1,32,000
sealed 2026-07-04 · 09:41 UTCreopen this record ↗