A woman held two health insurance policies – the first provided a sum insured of Rs 10 lakh against a premium of Rs 96,673. The second carried a sum insured of Rs 25 lakh and involved an additional premium of Rs 54,499. During her hospitalisation, a cashless claim request was submitted to the insurance company. The cashless request was not approved, with the reason communicated being insufficiency or non-submission of the requisite documents.
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