The Public Square

The truth is best told with a laugh and backed by data. Interact with polls, bingos, and real stories from the community.

Create a poll, bingo, or story...

Merry Jaguar

Satirical Poll

What's your honest reason for buying insurance?

513 views

Total Votes: 131

Dapper Yak

Satirical Bingo

Worst insurance excuse you've ever heard? Believe me! One of these were actually given to me as an excuse...

Hospital bill has spelling mistake in your name

We need a No Objection Certificate from your employer

TPA is waiting for IRDAI approval on your disease

Policy lapsed for 2 minutes during renewal window

792 views

Click a square to cast your vote!

Benefita Team

Satirical Bingo

Mark these classics next time you're on eternal hold. Full house? You win lifelong frustration!

Unusually high call volume

System down for maintenance

Not covered in policy

Resubmit documents please

808 views

Click a square to cast your vote!

Benefita Team

Satirical Poll

Best excuse you've heard from customer support?

873 views

Total Votes: 34

Gentle Walrus

Satirical Poll

What's the real reason your health claim got rejected?

862 views

Total Votes: 51

Arun Sharma (Brave Newt), Software Engineer

19 days ago

Aadhar Mismatch Ke Wajah Se Mere Baap Ka 2 Lakh Claim Reject Huwa

Mere baap ne 10 saal se policy li thi Aadhar mein registered naam 'Rajesh Kumar' likha tha. Saal pehle unhe gall bladder surgery karani pad gayi. Hospital ne discharge summary mein 'R. Kumar' likha (billing system mein iska abbreviation use hota hai). Insurance wale ne kaha 'naam match nahi kar raha, fraudulent claim lag raha hai.' Samjhane ke liye call pe 30 min pada wait karte huye. Jab agent aaya toh kaha 'document kaatne padenge.' ₹2 lakh claim pending pad gaya. 3 mahine baad Aadhar photo affidavit banwaya, fir wapas documents submit kiye. Tab jake approve hua. Dono jagah se same person hi toh tha, bas system ko nahi samjhta tha

728

Vikram P. (Calm Fox), Project Manager, BuildIt Corp.

20 days ago

Hospital Overcharged for Consumables, TPA Didn't Notice

After a successful cashless surgery, I reviewed the final bill sent to the TPA. The hospital had charged excessively for standard items like gloves, syringes, and cotton. The total overcharge was nearly Rs. 15,000. The TPA (Vidal Health) had approved the bill without auditing it properly. I had to manually flag the items and fight for a correction.

853

Anjali K. (Brave Fox), Marketing Manager, Creative Co.

20 days ago

A Surprisingly Smooth Experience with Medi Assist TPA

I was bracing for a nightmare after reading reviews, but my experience with Medi Assist for my mother's knee surgery was fantastic. The pre-authorization came through in just 2 hours. The hospital bill was settled directly, and I didn't have to follow up even once. It was a completely cashless and hassle-free process. Credit where it's due!

1120

Rohan S. (Zesty Fox), Software Engineer, Tech Solutions Ltd.

20 days ago

Claim Denied for 'Pre-Existing Condition' That Wasn't Pre-Existing

My father's claim for a cardiac issue was rejected by the insurer, who cited a 'pre-existing condition' of hypertension from 10 years ago. The current issue was completely unrelated, according to our doctor. It feels like they are just looking for any excuse to deny the claim. We are now in the process of a long and stressful appeal.

989

Arjun Kapoor (Bright Snake), Software Developer, Tech Startup

21 days ago

Loading Charges: ₹18k vs ₹8k Quoted Premium

First-time buyer, age 28, got quoted ₹8k/year but spent ₹18k due to 'loading' for family history of diabetes (grandfather's). Insurer never explained. Found out via RTI request. Feels cheated but can't afford to switch.

709

Dr. Sanjay Mehta (Open Ape), Physician, Private Hospital

21 days ago

TPA Pressured Cheaper Generic: Doctor Marked Non-Cooperative

TPA asked me to prescribe cheaper generic but with known side effects instead of branded. I refused; they marked me as 'non-cooperative'. Now they audit my every prescription. Doctors in India = slaves to TPA profit margins.

718

Deepak Pillai (Fair Eagle), CHRO, IT Firm

21 days ago

Wellness Program Backfired: Stigmatization Over Incentive

Implemented wellness program with insurer; employees got 10% premium discount if they achieved fitness targets. Sadly, obese employees felt stigmatized and quit the program. Now we're rethinking incentive structure.

724

Sunil Kapoor (Dapper Unicorn), Retired SBI GM, SBI Retired

21 days ago

SBI Retirees Win: Broker Fixed 17 Pending Claims Overnight

Our WhatsApp group had 17 pending claims >90 days. New broker called insurer HQ directly, fixed all by EOD. Individual fighting useless—power of collective retiree voice + broker matters.

1097

Ramesh Gupta (Calm Dog), Retired SBI Regional Manager, SBI Retired

21 days ago

TPA Demanded Police FIR for Granny's Home Fall!

Mother's hip fracture. TPA demanded 'accident FIR' for simple domestic fall! Rejected ₹3.6 lakh claim. Broker intervened citing medical records. SBI policy needs emergency clause rewrite. Retirees shouldn't fight basic claims!

628

Prakash Desai (Sharp Lion), Retired SBI Systems Officer, SBI Retired

21 days ago

SBI Group Policy Excludes 'Vaccinations'—Caught COVID Booster

SBI Pune circle policy denied my COVID booster side effect hospitalization: 'vaccination exclusion clause'. ₹1.8 lakh Apollo bill rejected! Never told during enrollment. All SBI retirees WhatsApp groups furious—same clause hidden. Finally got via court notice. Group insurers cheating loyal SBI families!

761

Bipin Shah (Zesty Falcon), Retired SBI Scale IV, SBI Retired

21 days ago

Stroke Golden Hour Lost Waiting for TPA Approval

Father stroke attack 7 AM, Sterling Hospital Ahmedabad. TPA approval came 4 PM! Critical 6 hours wasted on phone. Doctor yelled 'brain damage permanent now!' SBI mediclaim TPA delayed citing 'more tests needed'. Paid ₹4.2 lakh cash. Father paralysed left side forever. SBI management—your retirees dying for TPA signatures!

744

Meera Deshpande (Quick Dolphin), Retired SBI Lady Officer, SBI Retired

21 days ago

SBI Policy Denied My Routine Diabetes Meds as 'Not Acute'

30 years SBI Pune service. Policy covers OPD diabetes but TPA MDIndia rejected ₹28k quarterly meds: 'chronic maintenance, not emergency'. Doctor certified acute complications! Hospital billing desk shrugged. SBI retiree forum fought 2 months—got 60% back. These TPAs decide medical science now? Diabetics dying without cashless OPD!

730

Govindan Nair (Lively Quail), Retired SBI AGM, SBI Retired

21 days ago

No Cashless Hospital in Entire Ernakulam District!

Appendicitis emergency, wife screaming pain. SBI group mediclaim shows ZERO network hospitals in Ernakulam! Nearest TPA hospital Kochi 45km away in traffic. United Health TPA said 'use any hospital, reimburse later'. Paid ₹1.9 lakh Lakeshore Hospital, reimbursement rejected 'non-empanelled'! SBI retirees paying premium for zero service—criminal negligence!

735

Rajan Iyer (Agile Falcon), Retired SBI Manager, SBI Retired

21 days ago

Wife's Cancer Pre-Auth Rejected 3 Times by Useless TPA

Wife's breast cancer chemo at Apollo Chennai. Submitted complete pre-auth 5 days early to TPA HealthIndia. Rejected thrice: 'incomplete docs', 'wrong format', 'more info needed'. Hospital threatened discharge! 32 years SBI service, called every ex-colleague—same TPA horror stories. Finally paid ₹6.8 lakh cash, got reimbursement after 89 days. Cancer patients can't wait for TPA bakwas!

747

K. L. Sharma (Agile Newt), Retired SBI Circle Officer, SBI Retired

21 days ago

SBI Pensioner Exposes ₹8 Lakh Implant Markup Scam

Retired from SBI Delhi Circle, knee surgery at Fortis. Surgeon guaranteed ₹3.2 lakh titanium implant. Bill showed ₹11.4 lakh! Local medical shop confirmed ₹3.8 lakh max MRP. TPA Paramount laughed 'hospital rate hai uncle'. Recorded billing conversation—pure fraud! SBI retiree association lawyer got 75% refund. Fortis + TPA = organized loot mafia against us pensioners.

723

Vijay Patil (Noble Panda), Retired SBI Credit Officer, SBI Retired

21 days ago

Lilavati Hospital's ₹2.5 Lakh 'VIP Kit' Fraud on SBI Retiree

Diabetes complication landed me in Lilavati ICU. Bill: ₹15.7 lakh total, but 'VIP Patient Kit' ₹2.5 lakh?! Gloves, masks, sanitiser—Amazon se ₹8k ka maal! TPA MDIndia blind, hospital said 'SBI policy covers luxury'. Showed them SBI retiree policy doc—pure denial. Ex-SBI colleagues helped file IRDAI complaint. Got ₹1.9 lakh back but those Mumbai 5-star hospitals SBI pensioners ko bakra banate hain. Beware brothers!

727

Shyamal Roy (Wise Ibex), Retired SBI Branch Manager, SBI Retired

21 days ago

SBI Policy Failed My Own Bypass—TPA Demanded Full Cash

35 years at SBI Kolkata Main Branch, sold thousands of group health policies to colleagues. Now my turn—heart bypass at AMRI Hospital. Policy from SBI-tied insurer promised cashless. Pre-auth submitted 3 days prior, TPA Raksha Health ghosts us. Hospital demands ₹8.2 lakh deposit day zero! Called every SBI retiree group WhatsApp—same story from 7 uncles. Finally paid from PF, fought via Ombudsman. Those TPA wale chor log SBI ke saath milke loot rahe hain! Never trust bank-tied insurance, brothers—go private broker only.

733

Savita Rani (Upbeat Dolphin), ASHA Worker, ASHA

21 days ago

Needlestick Injury Denied: 'Healthcare Worker Exclusion'

As a health worker, my occupational injury (needlestick) was denied by insurer as 'self-inflicted negligence'. Policy didn't cover occupational injuries for healthcare staff. Forced to pay ₹45k for prophylaxis out of pocket.

702

Dr. Asha Gite (Jolly Ibex), General Practitioner, Ruby Hospital

21 days ago

Cashless Rejected Due to Hospital 'Database Sync'

Ruby Hospital Pune claimed 'database sync issue' when patient tried to use cashless. Forced patient to pay ₹62k upfront, promised reimbursement. 6 months later still pending. TPA said hospital never sent claim file. Classic runaround while patient suffers.

726

Ashok Verma (Polite Quail), Insurance Broker, Independent Broker

21 days ago

Broker Escalated to IRDAI: Claim Paid in 14 Days

Client's ₹8.5L claim stuck 6 months. Hospital kept blaming insurer, insurer blamed TPA. I stepped in, escalated to IRDAI—got paid in 14 days. Brokers = missing link between chaos.

706

Col. Rajesh Singh (Polite Snake), Retired Defense Officer, Retired Defense

21 days ago

Parkinson's Denial: Insurer Claimed It Was Pre-Existing

Defense pension + private mediclaim. Insurance denied Parkinson's treatment citing 'degenerative condition pre-existing'. But I was diagnosed post-retirement. DRDO medical board confirmed. Insurer still refusing. Ex-servicemen are treated worse than civilians.

715

Rohit Salvi (Upbeat Dog), Senior Claims Auditor, MediAssist TPA

21 days ago

Hospital Pharmacy: ₹95k Injection = ₹4,200 Market Price

Nanavati chemo bill: Remicade injection ₹95k per dose (actual ₹4,200 vial)! Caught hospital pharmacy nexus supplying hospital bills. Rejected ₹7.2 lakh bogus pharmacy claims. Mumbai private hospitals run pharmacy rackets systematically.

728

Maria Fernandes (Bright Rabbit), Staff Nurse, KEM Hospital

21 days ago

TPA Ghosted Us During Delivery—48 Hours of Pure Hell

Sister Maria here from KEM Hospital, Mumbai. My cousin Sunita's delivery turned nightmare when that useless TPA MediAssist ghosted us for 48 hours on pre-auth. Hospital barking 'pay cash or baby stays in ward!' Ran to TPA office in Andheri—empty promises only. Finally paid ₹28k out-of-pocket, those bloody crooks! Star Health insurer also washed hands. Mumbai's TPA wale bakwas company hai saare.

710

Neha Sharma (Lively Viper), CHRO, TCS Mumbai

21 days ago

EAP Saved Our Developer's Life and Career

Junior developer addiction issues; EAP intervention saved his career and marriage. Counseling, rehab referral, all covered by group policy. Now he's mentoring others. EAP = most underutilized corporate benefit that actually changes lives.

738

Dr. Vinay Nambiar (Noble Eagle), Consultant, Private Clinic

21 days ago

Pre-Auth Approved 2 Hours After Discharge

Patient's cashless pre-approval came through 2 hours after discharge! Hospital admin knew but didn't inform patient. Pure deliberate delay. Billing had already billed patient cash rate. Insurer refused to honor the delayed approval.

708

Ravi Banerjee (Merry Otter), TPA Operations Head, TPA Kolkata

21 days ago

TPA Trainee Approved ₹12L Claim, Then Tried to Deny It

Trainee TPA staff approved a ₹12L neurosurgery claim with incomplete docs, then tried to deny reimbursement later. I had to reverse the denial and eat the cost internally. Our industry trains fools, not claims professionals.

725

Dr. Arindam Bose (Jolly Fox), Consulting Physician, Private Practice

21 days ago

Hospital Rejected My Own Cashless for Routine Tests

Fortis Kolkata refused my ICICI Lombard cashless for patient's OPD bloodwork—'not inpatient!' Buddy, tests lead to admission! TPA Emedico said hospital fault. Those Fortis managers amader opor hashi thakte pare na—pure daylight robbery!

713

Mohan Lal (Rational Monkey), Farmer, Farmer

21 days ago

No Network Hospital Within 100km—Wife Died Waiting

Nagaur village, wife typhoid critical. Nearest TPA hospital Jaipur—4hrs away! United India Insurance said 'go network only'. By ambulance time, she gone. Rural India ke liye ye insurers kutte hain—zero care!

691

Meera Iyer (Jolly Koala), Victim, Individual

21 days ago

Agent Pocketed 2 Years Premium: Policy Never Activated

Agent collected premium for 2 years; policy never activated in system. Discovered during claim filing. Agent had pocketed cash. Police FIR filed, but insurer claimed 'not our liability'. Still waiting for justice.

690

Ramakrishna (Brave Ibex), Village Farmer, Farmer

21 days ago

Wife's Appendicitis: Rural Hospital + Network Trap = Tragedy

Bought insurance, nearest hospital 80km away. Wife's appendicitis, took ambulance 3 hours. By then peritonitis set in. Hospital demanded ₹1.5L upfront; insurer's 'non-network' clause meant no reimbursement for next 2 years. My daughter's future now hanging by thread. Rural India + insurance = death sentence.

692

Sunil Mehta (Calm Koala), Insurance Agent, Bajaj Allianz Agent

21 days ago

Dengue ICU Denied as 'Seasonal Epidemic'—Agent Furious

Sold policy to shopkeeper, his dengue ICU denied by insurer: 'seasonal epidemic exclusion'. Rajasthan summer special! Fought 21 days, got paid. Agents now warn ALL vector exclusions upfront.

702

Harpreet Kaur (Polite Rabbit), Insurance Broker, Broker India

21 days ago

Broker's Collective Escalation: 5 Claims Cleared in 2 Weeks

5 corporate clients had group claims stuck 4+ months. Broker organized collective escalation to insurance commissioner. All resolved within 2 weeks. Collective voice > individual complaints.

724

Priya Reddy (True Walrus), HR Business Partner, Tech Mahindra

21 days ago

Anonymous EAP Tip Saved Our Top Engineer from Burnout

Team member anonymously messaged our EAP: 'Can't sleep, panic attacks'. We pulled wellness data, found 80hr weeks. Mandated leave + counseling. Microsoft insurer's mental health rider covered fully. EAP worth every penny—no litigation headache!

725

Dr. Lakshmi Reddy (Kind Falcon), Psychiatrist, Apollo Spectra

21 days ago

Insurer Denied Suicide Attempt Claim as 'Self-Inflicted'

Patient suicide attempt, family Star Health claim denied: 'self-inflicted, policy exclusion'. Saved life but ₹2.1 lakh Apollo Spectra bill unpaid. Mental health = cash cow for insurers. Telangana doctors fighting daily!

709

Harish Kumar (Clever Goat), Insurance Agent, independent Agent

21 days ago

Critical Illness Rider Denied Due to 90-Day Waiting Period

Sold a 'super-comprehensive' policy to elderly couple; turns out critical illness rider kicks in only after 90 days. Couple hospitalized day 60 with MI—denied. They trusted me fully, policy summary glossed over waiting period. Now I warn every senior citizen I meet: read the fine print yourself, never trust agent word-of-mouth.

694

Pooja Trivedi (Jovial Ape), Hospital Billing Supervisor, Sterling Billing

21 days ago

Lab Tests Inflated 300%: Benchmarked Against Delhi Rates

Sterling Hospital Vadodara inflated lab test costs by 300%. When TPA auditor pushed back, they showed 'market rates'. Turns out they're benchmarked against Delhi private labs, not local costs. Pure billing manipulation.

697

Vikram Malhotra (Clever Ibex), Retired ICICI Bank Manager, ICICI Retired

21 days ago

Cardiac Stent Claim Cut 45% Despite Policy Promise

25 years ICICI Gurgaon, finally my turn for cardiac stent at Max Hospital. Policy promised 24-hour approval, TPA took 72 hours! Meanwhile hospital kept escalating pressure. Finally authorized but only 55% coverage citing 'waiting period clause' in year 2. ICICI group policies = false promise factory for senior citizens!

707

S. Rajagopal (Quick Snake), IRDA Official, IRDA

21 days ago

IRDA New Guidelines: Mandatory Disclosure & AI Audits

IRDA finally issued guidelines on mandatory pre-claim disclosure window, AI-based fairness audits, and standardized denials with reasons. If enforced, 50% of unfair denials could be eliminated. Grateful for all the voices like yours pushing for change.

724

Ritik Verma (Kind Hawk), InsurTech Founder, InsurTech Startup

21 days ago

AI Chatbot Overturn 200+ Denials Using Precedent Matching

Built AI chatbot that reviews claim denial letters and identifies precedents where similar cases were approved. Helped 200+ customers overturn denials in 2024. Insurance industry hates us but customers love us.

707

Asha Bhat (Fair Fox), Consumer Activist, Consumer Activist

21 days ago

WhatsApp Group of 8000 Denied Claimants: Power of Collective

Started a WhatsApp group for denied claims; now 8000+ members sharing templates and fighting collectively. Insurers suddenly responsive to group complaints vs individual ones. Power of collective voice confirmed.

702

Prof. Ashok Mehta (Lively Llama), Insurance Researcher, Research Institute

21 days ago

1000 Claim Analysis: 73% Deniable Due to Incompetence

Analyzed 1000 claim denials: 73% were denials that could have been approved with better initial documentation. System fails not from fraud, but from incompetence and lack of training across all 3 pillars: insurers, TPAs, hospitals.

708

Ram Prasad (Bright Rabbit), Retired Govt Pensioner, Retired

21 days ago

Fake Implant Bill: Hospital Charged ₹4 Lakh for ₹40k Rod

AIIMS Delhi nearby but went to private ortho hospital for hip fracture. Bill showed 'imported titanium rod ₹3.8 lakh'! Receipt proved local ₹42k piece. TPA Paramount Health bloody useless, hospital admin said 'market rate hai uncle'. Fought with IRDA complaint—got 70% back but those Apollo wale chor hain saare!

691

Arun Desai (Clever Viper), Insurance Lawyer, Legal Firm

21 days ago

PIL Filed Against Insurer's Pre-Existing Condition Trap

Client denied ₹45L claim; insurer cited 'undisclosed hypertension'. Medical records showed BP reading on day 2 of policy. We filed PIL arguing insurers can't deny for pre-existing conditions not mentioned by applicant. Case pending 3 years; insurer now quietly settling similar claims.

697

Dr. Prem Kumar (Keen Quail), Hospital Administrator, MIOT Hospital

21 days ago

Consultants Charging ₹15k When Package is ₹800

MIOT Hospital consultants billing ₹15k 'complex consultation' when insurer package fixed ₹800! TPA rejected 28 such claims last month. Doctors furious but patients suffer. Chennai consultation rackets killing insurance model.

699

Selvam (Bright Owl), Sugarcane Farmer, Farmer

21 days ago

Hand Amputation Denied: 'Agricultural Work Not Covered'

Occupational injury (cane cutter accident), hand amputation. Insurance denied: 'agricultural work not covered'. Policy never mentioned this exclusion during sale. Now disabled, jobless, wife left. Insurance sold me a fake promise.

689

Ravi Kumar (Brave Hawk), Insurance Agent, LIC Agent

21 days ago

Sold Policy Myself, Still Denied Amma's Cataract Claim

Amma's cataract op first year policy—denied by HDFC Ergo citing 'pre-existing eye condition'. I sold the policy da! Never mentioned in proposal. TPA HealthIndia desk laughed 'read fine print'. Apollo Hospital forced cash payment. Those insurer pigs never tell truth during sale, customers suffer!

684

Dr. Suresh Nair (Gentle Unicorn), Hospital Finance Director, Manipal Finance

21 days ago

Manipal Bangalore Billed Same Surgery Twice

Manipal Bangalore's billing system went haywire; billed same orthopedic procedure twice to different insurance accounts. TPA auditor caught it, but hospital blamed 'system glitch'. No corrective action taken. Insurers let it slide. Patient never knew he was almost double-billed.

698

Kavya Reddy (Upbeat Zebra), GM Human Resources, Wipro Bangalore

21 days ago

Employee Death: Wrong Beneficiary Got the Claim

Our HR team didn't update a departed employee's beneficiary; insurance claim went to wrong family member. Legal nightmare ensued. We now mandate quarterly beneficiary audits. Employers = weak link in insurance ecosystem.

704

Nandan (Kind Zebra), Startup Founder, Startup

21 days ago

₹45 Lakh Cancer Claim Saved by Broker Magic

Co-founder's wife stage III ovarian—Manipal Hospital bill ₹45L. New India Assurance denied 'not specified illness'. Broker called underwriting head directly, cited 2 precedents. Paid in 36hrs. Brokers > insurers any day!

734

S. Krishnan (Dapper Eagle), Retired Teacher, Retired

21 days ago

Prostate Cancer Denied: Age-Based Screening Exclusion

Bought 'complete health' policy at 65; turns out prostate screening excluded due to age. Tested positive for cancer; claimed it was during 'pre-existing window'. Now bankrupt and Stage 3.

682

Vikram Shah (Jolly Eagle), TPA Auditor, AHM TPA

21 days ago

₹18k Insulin Vial? TPA Caught Hospital's Pharma Loot

Civil Hospital Ahmedabad bill: Insulin ₹18k/vial (market ₹850)! Caught 6 fake entries totaling ₹92k. Hospital billing head threatened 'TPA interference'. Exposed to insurer—bill slashed 65%. Gujarat hospitals ka pharma jugaad khatam!

701

Urgent Rate Ask Rakṣā