help@coveryou.in
1800-202-6900
Professional Indemnity Insurance
  • Doctors
    • Professional Indemnity
    • Health Insurance
    • Motor Insurance
    • Term Insurance
    • Life Insurance
    • Home Insurance
  • Hospitals
    • Professional Indemnity
    • Property Insurance
    • Public Liability Insurance
    • Money Insurance
    • Comprehensive Package Insurance
  • Knowledges
    • Doctors
      • Do’s
      • Don’t
      • Bail & Anticipatory Bail
      • How To Prevent Mishap
      • Supreme Court
      • Criminal Liability
      • Indemnity
    • Hospitals
      • Requirements For Hospital
      • Regulatory Requirements Of Blood
      • Bio-Medical Waste Management
      • Death In OT
      • Vicarious Liability
      • Risk Management
    • Acts
      • Sections Of India
      • CPA
    • Case And Judgment Summaries
    • Press Release
    • Recent Medico-Legal Cases
  • Renew
    • Doctors
      • Renew Professional Indemnity
      • Renew Health Insurance
      • Renew Motor Insurance
      • Renew Terms Insurance
      • Renew Life Insurance
      • Renew Home Insurance
    • Hospitals
      • Renew Professional Indemnity
      • Renew Property Insurance
      • Renew Public Liability Insurance
      • Renew Money Insurance
      • Renew Employee Dishonesty Insurance
      • Renew Comprehensive Package Insurance
  • Claim
    • Claims Assistance
    • Track Claims
  • Support
    • Buy Now
    • Policies
    • Find A Medico-Legal Lawyer
    • Find Senior Doctor
    • Get Help
    • Manage Communication Preferences
Buy Policies
  • Doctors
    • Professional Indemnity
    • Health Insurance
    • Motor Insurance
    • Term Insurance
    • Life Insurance
    • Home Insurance
  • Hospitals
    • Professional Indemnity
    • Property Insurance
    • Public Liability Insurance
    • Money Insurance
    • Comprehensive Package Insurance
  • Knowledges
    • Doctors
      • Do’s
      • Don’t
      • Bail & Anticipatory Bail
      • How To Prevent Mishap
      • Supreme Court
      • Criminal Liability
      • Indemnity
    • Hospitals
      • Requirements For Hospital
      • Regulatory Requirements Of Blood
      • Bio-Medical Waste Management
      • Death In OT
      • Vicarious Liability
      • Risk Management
    • Acts
      • Sections Of India
      • CPA
    • Case And Judgment Summaries
    • Press Release
    • Recent Medico-Legal Cases
  • Renew
    • Doctors
      • Renew Professional Indemnity
      • Renew Health Insurance
      • Renew Motor Insurance
      • Renew Terms Insurance
      • Renew Life Insurance
      • Renew Home Insurance
    • Hospitals
      • Renew Professional Indemnity
      • Renew Property Insurance
      • Renew Public Liability Insurance
      • Renew Money Insurance
      • Renew Employee Dishonesty Insurance
      • Renew Comprehensive Package Insurance
  • Claim
    • Claims Assistance
    • Track Claims
  • Support
    • Buy Now
    • Policies
    • Find A Medico-Legal Lawyer
    • Find Senior Doctor
    • Get Help
    • Manage Communication Preferences
No Result
View All Result
Professional Indemnity Insurance
No Result
View All Result
Home Blog

Black & White Bills Denied the Claim Until This Explanation Changed Everything

coveryouadmin by coveryouadmin
July 26, 2025
in Blog
Reading Time: 2 mins read
0 0
0
Black & White Bills Denied the Claim

Sometimes, it’s not the treatment but the paperwork that becomes the challenge in a health insurance claim. In this case, a father’s genuine reimbursement claim for his son was nearly derailed because the hospital provided black-and-white bills, which the insurer mistakenly identified as duplicates. With timely communication and CoverYou’s intervention, the claim was finally processed and paid in full.

Case Background

A retail policyholder based in Ernakulam, Kerala, reached out to CoverYou after facing repetitive queries from ICICI for submitting his son’s hospital bills and banking details, even though he had already shared them. The confusion began when black-and-white bills provided by the hospital were wrongly assumed to be photocopies or duplicates, leading to delays and escalations. The case needed urgent clarification before the insurer rejected it altogether.

Claim Timeline

1: 10 May 2025: Claim initiated by insured; reported being asked repeatedly for documents already submitted

2: 11 May 2025: Documents reviewed found to be coloured duplicates of black-and-white originals

3: 18 May 2025: Escalation raised as insurer requested “original” again; CoverYou team clarified with ICICI that black-and-white bills were, in fact, the official originals as issued by the hospital

4: 04 June 2025: ICICI accepted the explanation and moved the claim for final processing

5: 14 June 2025: Claim approved; confirmation received

6: 19 June 2025: Claim amount credited to the insured’s account

Challenges

ICICI initially denied the claim because the submitted bills were assumed to be duplicates. The confusion stemmed from the fact that the original hospital bills were issued in black and white, while coloured PDF copies were later treated as duplicates, creating a documentation mismatch.

Support from CoverYou

1: Verified all original documents and established authenticity

2: Communicated directly with ICICI’s claims team

3: Explained that black-and-white bills were not photocopies, but actual original bills printed by the hospital

4: Escalated the issue tactfully with supporting clarification

5: Ensured the claim moved forward without needing resubmission of all paperwork

6: Maintained direct contact with the insured to keep him informed throughout

Final Outcome

The claim was successfully paid out under the reimbursement process. A total amount of ₹9,801 was credited to the insured’s account on 19 June 2025, marking the full approval of the originally requested amount.

Disclaimer

Names and details have been anonymized to protect client privacy. This real case study is presented by *CoverYou to highlight our attention to detail and commitment to solving even the smallest issues that can hold up a genuine claim.

Previous Post

Bharatiya Nyaya Sanhita and Section 106

Next Post

The 40 HP Typo That Almost Sank a Valid Claim

coveryouadmin

coveryouadmin

Professional Indemnity- Our expertise lies in safeguarding the interest & reputation of our esteemed Medical Fraternity with our revolutionary product- Doctors Professional Indemnity Insurance. Given the complex & high-stakes nature of healthcare operations, doctors are certainly exposed to medical negligence risks at all times. It is very important to protect your high-responsibility profession with a Professional Indemnity Cover that will act as a safety net against any malpractice claim. Our Professional Indemnity is best suited for all your medical practice requirements. CoverYou’s Customised Professional Indemnity Insurance will not only safeguard your finances but also your hard earned reputation. We provide customised benefits exclusively tailored to meet the needs of Doctors & Hospitals. Our Professional Indemnity is guaranteed to provide comprehensive medical negligence coverage with an expert lawyer panel & renowned senior doctors present all across India. We are known to offer handheld support to our customers throughout their journey with us especially during claims!

Related Posts

15-Day Repair Promised, We Got It Done in 1 Day
Blog

15-Day Repair Promised, We Got It Done in 1 Day

July 30, 2025
₹8.9 Lakh Health Insurance Claim Denied Due to Alcohol History, But We Turned It Around in 3 Days
Blog

₹8.9 Lakh Health Insurance Claim Denied Due to Alcohol History, But We Turned It Around in 3 Days

July 30, 2025
The 40 HP Typo That Almost Sank a Valid Claim
Blog

The 40 HP Typo That Almost Sank a Valid Claim

July 29, 2025
BHARATIYA NYAYA SANHITA AND SECTION 106 UNDERSTANDING THE LEGAL SHIFT FOR MEDICAL PROFESSTIONALS (1)
Blog

Bharatiya Nyaya Sanhita and Section 106

July 25, 2025
Health Insurance Claim Approved in Hours, Not Weeks, By CoverYou
Blog

Health Insurance Claim Approved in Hours, Not Weeks, By CoverYou

July 29, 2025
Dental negligence
Blog

Dental Negligence Claim Leads to ₹2 Lakh Compensation

July 21, 2025
Next Post
The 40 HP Typo That Almost Sank a Valid Claim

The 40 HP Typo That Almost Sank a Valid Claim

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Archives

  • July 2025
  • June 2025
  • May 2025
  • April 2025
  • March 2025
  • February 2025
  • January 2025
  • December 2024
  • November 2024
  • October 2024
  • September 2024
  • August 2024
  • July 2024
  • June 2024
  • May 2024
  • April 2024
  • March 2024
  • February 2024
  • January 2024
  • December 2023
  • November 2023
  • October 2023
  • July 2023
  • June 2023

Categories

  • Blog
  • casestudy

Recent Posts

  • 15-Day Repair Promised, We Got It Done in 1 Day
  • ₹8.9 Lakh Health Insurance Claim Denied Due to Alcohol History, But We Turned It Around in 3 Days
  • The 40 HP Typo That Almost Sank a Valid Claim
  • Black & White Bills Denied the Claim Until This Explanation Changed Everything
  • Bharatiya Nyaya Sanhita and Section 106

© Alexa Insurance Broker Pvt. Ltd. All Rights Reserved

Insurance

  • Doctor's Insurance
  • Hospital Insurance
  • Health Insurance

Resources

  • Press Release
  • Customer Reviews
  • Blogs

Company

  • About Us
  • Contact
  • Career
Alexa Insurance Broker Private Limited
IRDAI License Number: 825
CIN: U66010DL2020PTC371173
Direct Broker (Life and General)
Valid Till: 08/06/2025
Principal Officer- Mr. Deepanker Mahajan

Payment Methods

Secured With

DMCA.com Protection Status

Follow us on

*Standard T&C Apply. All products information and offerings are authentic and solely based on the information received from the insurers. For more information on the risks associated with purchasing insurance, please read the sales brochure of the insurer carefully. Tax benefits are subject to changes in the applicable tax laws. Visitors are hereby informed that their information submitted on the website may be shared with Insurers. You authorise Alexa Insurance Broker Pvt. Ltd. (CoverYou) to contact you through Call, SMS, Email, WhatsApp or any other mode in the future. You hereby override your NDNC registration.
Alexa Insurance Broker Private Limited, CIN: U66010DL2020PTC371173, Regd. Off: RZ 129/A, Shiv Mandir Marg, Raj Nagar 1, Palam Colony, New Delhi - 110077; Corp. Off: Plot No. 15 & 16 - C, Udyog Vihar, Phase 5, Gurgaon, Haryana – 122022.
IRDAI License no. 825; Direct Broker (Life & General) valid till 08th, June, 2025. Email - help@coveryou.in; Helpline number: 1800-202-6900.

Copyright © CoverYou All Rights Reserved

  • Refund & Cancellation
  • Policy Statements
  • Terms & Conditions
No Result
View All Result
  • Doctors
    • Professional Indemnity
    • Health Insurance
    • Motor Insurance
    • Terms Insurance
    • Life Insurance
    • Home Insurance
  • Hospitals
    • Professional Indemnity
    • Property Insurance
    • Public Liability Insurance
    • Money Insurance
    • Comprehensive Package Insurance
  • Knowledges
    • Doctors
      • Do’s
      • Don’t
      • Bail & Anticipatory Bail
      • How to Prevent Mishap
      • Supreme Court
      • Criminal Liability
      • Indemnity
    • Hospitals
      • Requirements for Hospital
      • Regulatory Requirements of Blood
      • Bio Medical Waste Management
      • Death in OT
      • Vicarious Liability
      • Risk Management
    • Acts
      • Sections of India
      • CPA
    • Case And Judgment Summaries
    • Press Release
    • Recent Medico-Legal Cases

Copyright © 2022 CoverYou All Rights Reserved

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In