Health insurance claim

[Paridhiknight553]

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Paridhiknight553
PARTICIPANT
April 22, 2025 at 10:48 am

My mother-in-law had cancer and is now cured. The medical bill was around 12 lakhs. Acko initially declined to pay, so we sent them a legal notice through our lawyer. After receiving the notice, they started paying the claims. Now, the lawyer is demanding 20% of the claim amount as fees. Is this a common practice in Tamil Nadu? If anyone can help, please let me know.

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[Nileshfox961]

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Nileshfox961
PARTICIPANT
April 22, 2025 at 10:54 am

were there any agreement between you and your lawyer regarding 20% claim be it orally or written?
usually In Tamil Nadu, as in other states, retaining a lawyer on a percentage fee basis is quite common, especially in cases involving insurance claims and compensation.

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 11:12 am

He didnt do much, just sent a notice. It didnt even go to first hearing. Thats why i am little hesitant about paying 20%

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[Nileshfox961]

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Nileshfox961
PARTICIPANT
April 22, 2025 at 11:12 am

You received the full claim amount right?

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 11:14 am

Yeah, they transferred to bank account

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[Nileshfox961]

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Nileshfox961
PARTICIPANT
April 22, 2025 at 11:17 am

Then discuss with your lawyer try to negotiate that’s the only option you have.

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 11:19 am

What is the amount we can say yes to? I feel like paying ten thousand for his time

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[Nileshfox961]

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Nileshfox961
PARTICIPANT
April 22, 2025 at 11:23 am

Is he ready to budge? Just a have conversation and meet him in the middle.

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 11:12 am

There wasnt any agreement

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[Nileshfox961]

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Nileshfox961
PARTICIPANT
April 22, 2025 at 11:13 am

Cash or bank transfer?

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[Alphaarnav2326]

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Alphaarnav2326
PARTICIPANT
April 22, 2025 at 10:57 am

Please see the base council code of conduct. It is prohibited for a lawyer to charge fees on the outcome of a dispute. Therefore charging a percentage of the claim amount is clearly prohibited by the code of conduct. There is No way he can enforce it and collect the money. Consult another trustworthy lawyer. If push comes to shove, approach the local bar council with a complaint.

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[Desiwolf1711]

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Desiwolf1711
PARTICIPANT
April 23, 2025 at 2:38 am

Some lawyers in Bangalore have started this trend of claiming a percentage of winnings. They take fees as well a percentage of the outcome. Trustworthy lawyers are there but they are a rare find.

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[Alphaarnav2326]

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Alphaarnav2326
PARTICIPANT
April 23, 2025 at 9:40 am

This is not permissible. You always have the liberty to change your counsel. Better clear these issues in the beginning only before you engage your counsel.

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[Bravedevika7220]

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Bravedevika7220
PARTICIPANT
April 22, 2025 at 12:06 pm

I’m an insurance advisor. If you do not mind, please givr some info. What was their reason for claim rejection? And how old is the policy?

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 1:23 pm

The policy was only 2 months old. But acko insurance had no waiting period.

They said claim was rejected because it involves invasive surgery but it wasnt

PS : I am genuinely telling we were not aware of cancer before taking the policy.

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[Bravedevika7220]

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Bravedevika7220
PARTICIPANT
April 22, 2025 at 3:28 pm

Ok. I think Acko usually does medical tests also to the insured members. Glad you are able to get it sorted.

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[Megapanther2575]

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Megapanther2575
PARTICIPANT
April 22, 2025 at 5:50 pm

What if it was an invasive surgery? As they have no waiting period, anything should be covered. Is there any clause regarding invasive procedures?
Asking as I have acko for my parents. Also, if you don’t mind, can you explain what was the condition and what the treatment was.

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[Paridhiknight553]

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Paridhiknight553
OP
April 23, 2025 at 1:32 am

They didnt go for platinum, so there were no tests. So they had waiting period for set of conditions. If it was invasive, then they would have rejected. Since that had waiting period. Where as for my parents , i went with platinum so they have no waiting period

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[Coolowl7566]

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Coolowl7566
PARTICIPANT
April 22, 2025 at 1:11 pm

Did the lawyer do anything other than sending notice?

If yes, what did he do and did you pay him for it?

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 1:17 pm

No, he didn’t

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[Coolowl7566]

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Coolowl7566
PARTICIPANT
April 22, 2025 at 2:14 pm

He’s scamming you..

Name him in the above post so others can avoid him.

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 1:18 pm

We even paid 5000 rupees as court charges and 2000 rupees for Xerox charges

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[Coolowl7566]

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Coolowl7566
PARTICIPANT
April 22, 2025 at 2:13 pm

Court charges and Xerox charges?

Did he draft any complaint to filed in Consumer or any other court?

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[Paridhiknight553]

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Paridhiknight553
OP
April 22, 2025 at 2:37 pm

He filed an complaint on consumer court

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[Luckywolf8516]

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Luckywolf8516
PARTICIPANT
April 22, 2025 at 5:39 pm

Then you’ve already paid his fees. Don’t pay anything else

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[Simranhawk952]

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Simranhawk952
PARTICIPANT
April 22, 2025 at 2:28 pm

No its not normal.

Depending on the lawyer, the fees for sending notice vary from 500 to 5000. Not more than that unless he’s a high court / supreme court lawyer.

Refuse to pay politely. And pay an average amount.

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[Anjalihawk850]

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Anjalihawk850
PARTICIPANT
April 22, 2025 at 4:46 pm

Bullshit 20% as fees bro wtf hahaha.

I’d say 20k is fine for a notice + consultation fees.

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[Coolstar8699]

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Coolstar8699
PARTICIPANT
April 22, 2025 at 5:45 pm

A lawyer cannot charge on success basis… It’s illegal in India. It’s against their own rules.

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[Mightyknight1513]

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Mightyknight1513
PARTICIPANT
April 22, 2025 at 6:01 pm

Here my insurance claim was rejected & never paid!!

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[Paridhiknight553]

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Paridhiknight553
OP
April 23, 2025 at 1:33 am

Oh sorry to hear that. Have you filed a case against them

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[Mightyknight1513]

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Mightyknight1513
PARTICIPANT
April 23, 2025 at 4:38 am

Yeah I did on consumer forum nothing happened

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