Dear Sir I slipped ,fell and sustained severe and serious injuries to all soft tissue layers of by both soles of feet on 2 May 2015. I carry accident suraksha insurance policies with comprehensive coverages with two insurance companies-Hdfc Ergo Gen Insurance since 2005 and Future Generali Gen Insurance since 2011, I had no past claim and have been excellent health and unrestricted mobility till the fall on 2 May 2015. I submitted injury claims to both insurance companies and following is the experience with both of them including their investigators,doctors and processing team.Fall caused severe impact injury that caused a fracture of one bone and destroyed soft tissues of both soles full thickness of walking pad that allows normal walking.

I am a very senior ,highly qualified and experienced MD consultant and I well know that my clai is accurate,genuine,well supported and proven by doctors ,MRI and tests.Both Insurer processors are playing selectively deaf ,and blind to the actual claim and close the claim with fracture (not claimed) but NOT the soft tissue Injury claimed,confirmed and proved with TTD more than 1 year and PPD more than 8 years since 2May 2015. I wish to sue Insurance co for injury claim loss date 2 May 2015 for Temporary Total followed by permanent partial disability.Company has cheated me by manipulated ,limited and restricted processing of proven injury confirmed by doctors and tests.

I have gone through extensive and vigorous process of rejection ,reviews ,discussions at insurer level,followed by GRO and IRDA nothing worked .I want to Sue under expense,benefit and TTD followed by PPD(partial permanent disability).I can not work because I can not stand-walk-climb or run since 2 may 2015.Insurer has repudiated claim and proof by suppression,manipulation and processing based on wrong report of investigator -not shared with me..I feel cheated by insurer because my injury is extensively covered for TTD and PPD ,expense reimbursement per policy terms .Insurer not accepting claim details,consultation and test reports that prove the injury,damage,loss and disability.Claim 60 laks over minimum 8 years of TTD+PPD since 2 May 2015. Thanks Dr Arun Mehta

Regards
arunmehta2000@rediffmail.