A Mumbai-based chartered accountant and podcaster, Anupam Gupta, has sparked a larger conversation around health insurance claim practices after sharing a troubling experience involving unsolicited home verification. In a detailed LinkedIn post, Gupta revealed that two men arrived at his residence without prior notice, demanding sensitive data to verify a medical reimbursement claim.
The incident took place when Gupta received a call from an unknown number, with the caller stating, “I’m standing outside your building regarding your claim. Please let me in.” The men, who identified themselves as employees of an Ahmedabad-based agency named ‘Ace Investigation Agency’, claimed to be conducting a routine verification on behalf of his health insurance provider. “They showed their ID cards and requested access to our home. Once inside, they asked for documents we had already submitted to the insurance company,” Gupta wrote. Though initially hesitant, Gupta and his family provided copies of the hospitalization documents.
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However, the demands escalated in an unexpected direction. The investigators reportedly asked Gupta to share his Google Timeline—a feature that logs location data—to confirm he was at the hospital at the time of treatment. Gupta refused, explaining that he does not share his location history with Google, let alone with third parties.
“The visit felt less like a claim verification and more like digital surveillance,” Gupta said. The men also sought photos and videos of the house, credit card statements as proof of payment, and even initiated a phone call with another representative who asked for further details. Before leaving, they asked the family to sign a disclaimer acknowledging the refusal to share certain data.
What troubled Gupta most was the complete absence of communication from his insurer prior to this unannounced visit. “I was not contacted by my health insurance company at all. These guys just showed up,” he noted, sarcastically adding, “But that’s obvious, right? If you give advance warning, I might prepare and ‘fake’ everything.”
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The men reportedly claimed that such visits were standard procedure for health insurance companies, even showing images of similar disclaimers collected from other clients. While Gupta chose not to name the insurer, he emphasized the need to question whether such intrusive and opaque practices should be normalized. “I’m not blaming one company. This feels like an industry-wide issue,” he concluded.
The post has since drawn attention on social media, raising critical concerns over privacy, transparency, and consumer rights in India’s health insurance sector.