Mumbai-based CA and podcaster Anupam Gupta recently shared a disturbing experience in a LinkedIn post, highlighting the invasive tactics used by health insurance investigators. Gupta had filed a health insurance claim, only to be visited unannounced by two men from an agency called “Ace Investigation Agency” based in Ahmedabad. The investigators showed up at his doorstep, claiming they needed to verify the claim and demanded to enter his home.
From Claim to Invasion: When Health Insurance Turns into Surveillance
The visit quickly turned from a routine claim verification to an intrusive and uncomfortable process. The investigators asked for hospitalization papers, even though Gupta had already submitted the original documents. They insisted on copies, and Gupta luckily had an extra set. But the situation escalated when they asked for personal data that felt like an invasion of privacy. The investigators demanded Google Timeline data to confirm that Gupta had been at the nursing home on the specified date and time.
When Gupta refused to share this data, the investigators continued with additional requests, including photos and videos of his home, a credit card statement to verify payment, and a phone call with another representative who asked for even more details.
Unannounced and Unsettling: Health Insurance Checks or Industry-Wide Overreach?
After nearly an hour of questioning and requests for personal information, Gupta and his family were asked to sign a disclaimer for the data they refused to provide. He expressed his frustration, noting that he had not been contacted by his health insurance company beforehand and felt blindsided by the visit. When asked whether such visits were common, the investigators claimed that all health insurance companies conduct similar checks.
While Gupta didn’t name the insurer, he suggested that these aggressive tactics might be a widespread industry practice, leaving him feeling uncomfortable and surveyed rather than supported in the claims process.
Summary:
Mumbai-based CA Anupam Gupta shared how health insurance investigators arrived unannounced, demanding access to his home and personal data like Google Timeline, credit card statements, and videos. The intrusive visit, with no prior insurer contact, left him feeling surveyed. Gupta suspects this is a common yet unsettling industry practice.
