Medical Insurance Claim Problem-NEW INDIA INSURANCE COMPANY LTD

I have made portability for medical policy from United India Insurance co Ltd Medical Policy No 060700/48/11/00009064 to The New India Assurance Co Ltd Medical Policy No 23070034120100004674. And I have made claim dated 06/12/12 for Rs. 29560 due to made surgery of Fissure in anon With Piles admitted in Navadiya Endoscopy Surgical Hospital, Surat from 26/11/2012 to 27/11/2012 and Claim No is NA-S119394-D2UD-7531 Ext 0 . I have already submitted old policy document as well as new policy details, hospital documents and other necessary documents but The New India Assurance has rejected my claim due to Clause 4.3 (Waiting Period For Specification Diseases/Ailments/Condition: From the time of inception of the cover, the policy will not cover the following diseases/ailments condition for the duration of two years/four years. Eg-cataract, hypertension, ect. (Duration and disease name will differ, case to case)) but as per IRDA (as Per IRDA, In case the waiting period for a certain disease or treatment in the new policy is longer than that in the earlier policy for the same disease or treatment, the additional waiting period should be clearly explained to the incoming policy holder in the portability form to be submitted by the porting policyholder for more info http://www.irda.gov.in/ADMINCMS/cms/Circulars_Layout.aspx?page=PageNo1515&flag=1 all the old policy benefit continues for medical policy portability and the diseases is not waiting period the in portability. I have already paid three years premier for medical policy to United India Insurance co Ltd. I have also met Mr. Kirit Desai, division office, Manager The New India Assurance, Surat, for same but no result found so please provide my medial claim soon.

United India Insurance co Ltd Policy Details
name- Devananad Naranbhai Sankahat
Age: 30
i) 060700/48/11/00001265 Date:18/08/2009 to 17/08/2010
ii) 060700/48/10/41/00001364 Date:18/08/2010 to 17/08/2011
iii) 060700/48/11/00009064 Date:25/08/2011 to 24/08/2012

Hoping the best and prompt services.

Sincerely
Devananad Sankahat
Surat
Cell: 97377 33033

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