New Delhi, June 19 -- Chhattisgarh-based Moin Vanak, who suffered from diabetes, hypertension, and poor digestion, turned to naturopathy for relief from persistent shoulder, knee and calf pain-as well as sleep issues. He got admitted for a 10-day in-patient treatment at a NABH-accredited facility, paying the expenses out-of-pocket despite having insurance, and later applied for reimbursement.

Despite holding a valid policy, his claim was rejected. The insurance company said, "as per submitted documents, the patient was admitted primarily for diagnostic and evaluation purposes."

Vanak has submitted his doctor's justification for why in-patient (IPD) care was essential, but the claim remains under dispute. "They are doing so even as the h...