When a gynecologist from Bangalore was denied her rightful health insurance reimbursement, we didn’t just question it; we fought it. And changed the outcome
A Rejection That Didn’t Sit Right
A well-known gynecologist and FOGSI member from Bangalore wasn’t asking for much, just what she was rightly owed under her health insurance policy. In May 2025, she submitted a reimbursement claim for ₹28,519 under her Niva Bupa individual health insurance policy, covering her pre- and post-hospitalization expenses. She submitted the documents and followed every instruction. She waited. And then… the claim was rejected.
No proper explanation or clarity, just silence from the insurer’s side. But for us this was not the end of the claim. This was where it really began.
Every Document, Follow-up, and Delay. We Were There
From the first call on 14 May, our team took full charge. We guided the doctor step by step, received her documents in just a few hours, and uploaded everything the insurer asked. But what followed was a pattern no doctor should ever have to face:
1: The same query raised again and again
2: The same documents requested repeatedly
3: And finally a flat rejection, despite full compliance
Even after re-uploading everything twice the claim was marked “rejected.” But we knew the doctor had done her part. Now it was our turn to do ours.
We escalated and persisted. And Got It Reopened
We didn’t stop at re-uploading but sent formal mail to the insurer, escalated the issue, flagged the repeated queries, and questioned the rejection directly. And after weeks of consistent follow-up and professional pressure, the status changed. On 26 June, we received confirmation: the claim was approved, and the ₹23,969 was paid out. Finally the doctor receives justice. It wasn’t just a number. It was a statement: A doctor’s time is too valuable to be spent chasing the same query over and over again.
This Wasn’t About ₹28,000. It Was About Doing What’s Right
We don’t let rejections slide. Not when the doctor has done her part or when we can prove the truth. And not when silence replaces accountability. What makes this case worth telling is not the amount; it’s the attitude behind it. We didn’t raise our voices but raised the standard. And that’s the brand we’re building. quietly, powerfully, and relentlessly.
Why Every Doctor Should Read This
Because this could’ve been any one of you. A small reimbursement, a long delay, or a silent rejection. But what changed the outcome wasn’t luck, it was ownership. CoverYou didn’t wait to be asked. We stepped in because that’s our job.
Conclusion
We didn’t just settle a reimbursement, but reversed a wrong and reclaimed clarity for a doctor. And we restored trust.
