On November 13, 2025, I received confirmation from the service that my wife's maternity benefit was pre-approved. Initially, I felt hopeful this would simplify the claims process. I followed the provided instructions and submitted a claim on November 21, 2025. However, on November 28, 2025, I got an email stating, "After review, to process your claim from November 20 to 23, 2025 (2,500 USD), we need a bank transaction statement reflecting the charges to confirm the expenses. Please send the requested documents to proceed with your claim." I realized I hadn't attached all necessary documents, so I made sure to include the official receipt and transaction slip with all required details. According to our plan, we should receive $2500 (with a 20% co-pay), and our bill converted to USD was $2541.04. Thus, we should maximize the claim. On December 2, 2025, I received the SAME EMAIL again, asking for the bank transaction statement. It seemed like they hadn't reviewed my attachments at all. I then emailed the claims team directly, providing all necessary documents and proof of payment again, and even CC'd someone I believed handled escalations. Unfortunately, on December 3, 2025, I received the same email yet again, requesting the same information. At this point, I feel like they are deliberately stalling my claim. The pre-approval seemed to make no difference. It's clear that the reviewers are not doing their jobs properly. This service has a pattern of asking for documents that have already been submitted. Just look at their reviews on various platforms, and you'll see similar frustrations. They keep insisting, "This is required to confirm that the expenses took place," despite me already providing the official receipt. No hospital would issue a receipt if payment didn’t occur. The fact that we were discharged 10 days ago should suffice to verify the transaction, but they continue to express doubt.
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