New Delhi, Aug. 16 -- Chennai-based Vijaya Kawar was hospitalized at an insurer's network hospital for 61 days, with the total bill eventually reaching Rs.2.11 crore. Kawar had health insurance cover of Rs.3.25 crore, comprising a Rs.1 crore base sum insured and the balance through bonus and booster benefits. Yet the insurer approved only Rs.85 lakh.

Of the Rs.2.11 crore bill, Rs.1.26 crore was deducted under various heads, including Rs.10.43 lakh as a memorandum of understanding (MoU) discount, Rs.28.39 lakh towards reasonable and customary (R&C) charges and Rs.87.50 lakh on the grounds that there was no active line of treatment.

"The patient's initial discharge got delayed by four days due to repeated queries and follow-ups, even thou...