Aviva Life Insurance – Postpone of policy unknown reason

Dear Sir, I was applied for online policy from Aviva Life Insurance Company India Ltd to cover critical illness which covers 12 critical illnesses only for an amount of 25 Lac Rupees through the proposal no.-75545360 and the subsequent policy issued vide no-10148572. After applying for policy I updated my complete health history before completion of medical examination through mail and further I was instructed by AVIVA for prescribed medical check-up at the authorised medical centre named Goyal Hospital Jodhpur and my medical check-up was conducted on 6/7/14. The kind and type of medical check-up was conducted as per the guide line issued to the medical centre directly. Then after on dated 12/7/14, I have talked with the customer care executive regarding the status of my proposal then I was informed that the approval from concerned department have been completed and the policy have been issued vide no.-10148572 and suppose to reach at my registered address within a week. After that I received mail regarding the postpone of my policy for six months and then I talked several time to confirm the specific reason for the postpone then again it was informed by the customer care executive on dated 14/7/14 that my policy have been postpone due to abnormality in complete blood profile-ESR. Then I again called and counter through mail to AVIVA that my blood reports are absolutely normal and is within range and also requested to share the medical test report but Aviva did not shared any kind of medical test report. Then after I again received calls from AVIVA on dated 15/7/14 with a change of reason for postpone of policy due to medical history which shows the problem of Fistula, DNS and anxiety. Then again I requested to re-consider my proposal and clear that the issued which are considered for postpone does not exist now and may be confirmed through Re-medical examination and advance test for the specific reason considered by AVIVA. As the reason considered by AVIVA for postpone of policy are not included in the 12 critical illness for which I have applied to be insured. But Aviva is neither considering the same nor conducting medical examination to ensure that whether these problem exist or not as I have clearly informed that the issues like Fistula & Anxiety was for a couple of days as on date Fistula & DNS is not in condition that it requires surgery and the same may be confirmed by Aviva through advance medical check-up but Aviva did not considered the same.

I wish that my policy should be issued after clearing all doubts of Aviva regarding my medical history through Re-medical examination for the specific reason.

Email Id: drc751975@gmail

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