My mother took a mediclaim(Hospitalisation benefit policy) in 2005 for herself and as proposer for me and my brother and she paid the premium through a single cheque,with coverage of 2.5lac for each one of us.In 2008 i made a claim for myself for a heart condition which was settled by the company.In 2011 when i turned non dependent(crossed the age limit) the policy was separated,but the cheque bounced(expiry date 21/3/2011 and i paid the amount in cash within 2 days(23/3/2011) and the policy was revived,though they refused to carry forward the cumulative bonus.In 2014 i made another claim for the same condition i had in 2008.This time the company refused to settle the claim stating that its a pre existing condition and i have to wait 48 months from 2011 to file a complain for the same. At no stage was i made aware that i am taking a new policy and my old policy hasnt been continued and revived My brother was under the same policy in 2005 and recently separated his policy from my mother(Crossed the age limit) and his date of inception is shown as March 2005,though i must point out that his cheque hadnt bounced. Policy nos from 2010 to 2014 is mentioned as below 2010-2011 :100800/48/09/8500002992 2011-2012 :100800/48/10/8500002632 2012-2013 :100800/48/11/8500002598 2013-2014 :100800/48/12/8500002742 2014-2015 :100800/48/13/8500002982

Immediate payment of the entire amount of Rs 18000 as claimed by the hospital and me.Though the total bill was Rs 32.289 and i had to apply for a employee’s discount after the claim was rejected and paid a final bill of Rs,20000. Restoration of the cumulative Bonus accured from 2005 to 2011. Damages for mental agony and loss of face. Changing my date of inception back to 2005

Complainant Information
name- radhikary e-mail rahul.adhikary@gmail.