Saif Ali Khan’s health insurance claim: Doctor calls out disparities in coverage, 'For small hospitals and common man, insurer will not sanction more than Rs 5 lakh for such treatment'

Sensitive details of Saif Ali Khan's health insurance claim, revealing that the Bollywood actor applied for a claim of Rs 35.95 lakh, have recently been leaked on social media. The leak has raised concerns, with a Mumbai-based cardiac surgeon commenting on the disparities in health insurance coverage for the general public.

Saif Ali Khan was attacked by an intruder at his Bandra West residence, leaving him with multiple stab wounds. He was rushed to Lilavati Hospital for treatment. The leak included details of Saif's health insurance claim, showing that Rs 25 lakh had already been approved by Niva Bupa Health Insurance, while the total claim amount stands at Rs 35.95 lakh.
Dr. Prashant Mishra, a cardiac surgeon in Mumbai, pointed out that such a substantial claim amount would rarely be sanctioned for a common policyholder. He shared that middle-class policyholders often struggle to get approvals for claims beyond Rs 5 lakh for similar treatments.

“For small hospitals and common man, Niva Bupa will not sanction more than Rs 5 lakh for such treatment. All 5 star hospitals are charging exorbitant fees and mediclaim companies are paying also. result – premiums are rising and middle class is suffering,” he wrote.

Niva Bupa Health Insurance, the insurer for Saif Ali Khan, confirmed the claim to Mint, stating that a cashless pre-authorization request had been approved to start the treatment, and once the final bills are submitted, they would be settled according to the policy's terms and conditions. The company also expressed its concern over the leak, stating, “The recent unfortunate incident with actor Saif Ali Khan is deeply concerning. We wish him a speedy and safe recovery.”

While the leak has sparked debate on social media, neither Saif nor his family have made any public comments regarding the matter.
Several personalities have reacted to the incident. Shatrughan Sinha Tweeted, "Very sad & unfortunate the tragic attack on our near, dear & loved #SaifAliKhan which injured him severely. Thank God he is healing well to recovery. Profound regards to my all time favorite 'show man' filmmaker #RajKapoor's granddaughter #KareenaKapoorKhan & the family. One humble appeal please stop the 'blame game', police are doing their job well. We certainly appreciate our CM & HM, Maharashtra @Dev_Fadnavis for his concern & remedial measures. Let's not complicate the matter further. The matter will be solved soon, sooner the better. Thanks to Depty CMs @AjitPawarSpeaks & our friend @mieknathshinde for their kind words, extreme care & efforts. After all Saif is one of the most brilliant star/actor & also both a Padmashri & National Award winner. Law will take it's own course as things are moving in the right direction. Get well soon.”