Our Services
Comprehensive Legal Solutions for Mediclaim and Health Insurance Disputes
At Dr. Sunil Khattri & Associates, we offer specialized legal services for individuals and families facing Mediclaim-related challenges.
With over 40 years of experience in both medicine and law, our firm provides unmatched expertise in interpreting medical evidence, decoding insurance clauses, and ensuring that no genuine claim is lost to bureaucracy or technicalities.
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We combine medical accuracy with legal precision, helping you secure the reimbursement, coverage, and justice you are entitled to.
1. Mediclaim Claim Rejections and Denials
Insurance companies sometimes reject claims citing vague or technical reasons such as incomplete documentation, “non-disclosure,” or “policy exclusions.”
We review your case in detail — examining medical records, policy terms, and insurer correspondence — to challenge unfair denials and restore your rightful claim through legal channels like the Insurance Ombudsman or Consumer Courts.
Our focus: transforming unjust denials into fair settlements.
2. Delayed Reimbursements and Cashless Treatment Issues
Delays in Mediclaim processing can cause severe financial distress, especially during or after hospitalization.
Our team intervenes when cashless approvals are withheld, or reimbursements are delayed, ensuring insurers and TPAs comply with IRDAI timelines and legal obligations.
We help clients recover not only the pending claim amount but also interest and compensation for the inconvenience caused.
We act swiftly - because delayed care can never be justified.
3. Disputes Over Policy Exclusions and Pre-Existing Diseases
Policy exclusions and “pre-existing condition” clauses are often misused to deny valid claims.
With our medical insight, we identify whether the cited exclusion truly applies and, when necessary, present expert medical opinions to refute unjust interpretations.
We ensure that policy language is applied fairly and in line with IRDAI and consumer protection guidelines.
Medical accuracy is our advantage.
4. Denial of Emergency or Life-Saving Treatment
Under Article 21 of the Constitution, every person has the Right to Life and Emergency Medical Care.
If you or your family member were denied treatment due to insurance or Mediclaim approval issues, we can file legal action for violation of patient rights and medical negligence.
We hold hospitals, insurers, and administrators accountable when delay or refusal costs a life.
Emergency care is not optional, it’s a right.
5. Representation Before Legal and Regulatory Bodies
We represent clients before:
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Insurance Ombudsman Offices across India
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Consumer Dispute Redressal Commissions (District, State, and National)
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High Courts and the Supreme Court of India
Our in-house preparation blends medical documentation, expert opinion, and legal reasoning to make your case robust and defensible at every stage.
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From negotiation to litigation, we stand by you.
6. CGHS, ECHS, and Government Scheme Disputes
Beneficiaries under the Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS), and other public sector health policies often face procedural barriers and delayed reimbursements.
We help you navigate these systems, challenge denials, and ensure that administrative delays do not violate your Right to Health and Timely Reimbursement.
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Government scheme doesn’t mean lesser rights, it means guaranteed protection.
Our Approach
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Medical Precision: We read between the lines of medical records and insurance reports to identify errors and gaps.
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Legal Clarity: We simplify complex policies and procedures into clear, actionable steps.
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Evidence-Driven Strategy: Every claim we handle is built on documented proof and sound medical reasoning.
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Ethical Advocacy: We believe in fairness, transparency, and respect for both clients and institutions.
We don’t just fight cases, we resolve them with clarity and compassion.
Need Help with Your Mediclaim?
If your Mediclaim has been denied, delayed, or disputed, contact us for a consultation.
Our dual expertise in medicine and law ensures that you get honest advice, accurate representation, and fair results.