Please provide self-declaration letter by patient mentioning the detailed circumstances of injury with exact date, time and place
An injury can happen due to a sudden fall or while playing sports or when some object falls on a person. In such cases, patients tend to narrate the background of the circumstances to their doctor and the same gets recorded in the discharge summary. However, the insurance company must investigate whether this story is correct or whether the patient is trying to conceal the real reasons for the injury.
The patient must write a detailed description of how the injury took place. The letter should cover these 5 important aspects:
Note: In such claims, you can also expect physical verification from the insurance company. Their field officer may visit and meet the patient and witnesses and take photographs of the patient and take their signature on the notes prepared by the field officer.