In Uttarakhand, a ₹8.9 lakh health insurance claim was denied because of a patient’s alcohol history. However, what followed was not just paperwork. It was quite precise and was an intervention. It was a demonstration of how medical facts can overcome insurance bias. This is the case of how CoverYou gets a ₹3 lakh cashless health insurance settlement in just 3 days, for a patient battling Non-Hodgkin’s Lymphoma, against the odds.
Why Every Doctor Should Read This
If you work as a clinician, hospital administrator, or medical professional, take a moment to reflect. Because what occurred in this case may occur in your hospital, affecting your patient, your claim, and your credibility. A legitimate cancer claim was refused because the system saw “alcohol” instead of science. Would you have known how to fight back?
The Corporate Patient, the Cancer Diagnosis & the Denial
On June 16, 2025, a university employee was admitted to Dehradun Hospital. He displayed symptoms consistent with Non-Hodgkin’s Lymphoma (NHL), a dangerous but curable disease. However, instead of assisting, his corporate health insurance provider, GoDigit General Insurance, flagged the case for rejection. Why? Because his Initial Clinical Profile (ICP) mentioned a history of alcohol usage. Within hours, the insurance pressed to convert the cashless claim to a payout, putting a financial strain on the patient’s family during a moment of difficulty.
This Is Where We Stepped In
CoverYou didn’t only handle the claim but interfered on medical, strategic, and scientific levels.
1: We called the treating hospital and asked for fast diagnostic confirmation (biopsy, imaging, lab panels).
2: We extracted and presented documentation of the diagnosis, NHL, which has nothing to do with alcohol-related problems.
3: We went a step further, submitting published medical research that demonstrated the inverse relationship between alcohol and non-Hodgkin’s lymphoma.
4: We escalated to Digit’s medical review team, disputing their reasoning with scientific evidence rather than emotion. The insurer surrendered after only 48 hours. The claim was reopened, approved, and paid on June 19, 2025, with a cashless settlement of ₹3 lakh at discharge. The patient was discharged not only with therapy but also with dignity.
Why This Matters To You, Your Patients & The Profession
This isn’t just an issue of numbers. It’s a wake-up call for doctors and healthcare providers:
1: Health insurance isn’t always about the policy number. It is all about the clinical proof.
2: Every rejection has a counter-narrative, if you know how to write it.
3: Your patient’s history should not exclude them. Your voice has the power to heal.
We’ve seen hundreds of such denials of alcohol usage, smoking history, and pre-existing comorbidities used to invalidate legitimate claims. However, this instance demonstrates that medicine wins when supported by facts. Here’s where we come in.
More Than Just Claim Support. We Are Clinical Protectors.
This isn’t just about one client; it’s about every doctor in India who watches helplessly as an insurance department denies a life-saving therapy due to technicalities. When your patient’s dignity is threatened, we step in. This is what genuine health insurance support looks like. Not just a call centre, but a clinical engine that fights for what is right. GoDigit may have issued the policy. But we provided the care.
Conclusion: If You’re a Doctor, Read This Twice
Tomorrow it could be your hospital, patient, and your fight. Don’t wait for a rejection letter to learn how to protect them. If you want a partner who understands both medicine and policy, we’re just a call away.
