Anonymous
27 July 2011 at 15:43
I had availed a bancassurance policy( mediclaim) in the year 2006. 3 years later the bank tied up with another insurance company to service the policy.
At the time we were given to understand that all terms and conditions would remain the same(acknowledged by email).
Repeated request to get a copy of the policy terms and conditions got the Insurance company to send me the terms and conditions, wherein there were a few new clauses favouring the Insurance Company.
( but we were given to understand that those clauses would not matter)
After holding the policy for 5 claim free years, when I last went to renew the policy I was told that the premiums were hiked and that my cover would be reduced.
In Effect my family floater policy( Parents+ Married couple)for 5 lacs was divided into 2 policies as such( parents 3 lacs+ self( married couple 3 lacs).
Premium was correspondingly reduced compared to earlier.
I was agreeable to a hike in the premium ( due my earlier folly of not qestioning the change in terms and conditions at the chnage on Insurance company)but needed the same Sum insured.
But the underwriting team at the insurers refused to give me the same benfit( and this after 5 claim free years).
What they would like me believe is that I am benefitting because of a 6 lac(3+3)policy as against a 5 lac policy initially.
Isn't the very purpose of a floater plan defeated here????????
Besides I was informed of the same( Lesser cover) verbally when I went to renew the policy at the Insurer's Office.I have no written letter intimating me of the change in policy procedure
I have this correspondence on email and now wish to proceed legally against the Insurer/ or bank whichever at fault here.
The grievance redressal forum at the Insurer's Office would also have me believe that I stand to gain by the new policy and are not willing to give me the same cover.
The bank staff is as usual -LOST and ask me to contact the Insurance Company.
Kindly advise………
Anonymous
27 July 2011 at 15:23
Good day,
I have been recently operated upon due - Cystectomy and an endometriotic condition which was also causing an infertility issue as diagnosed during the pre-hospitalisation period.
I am medically covered through my employers for a S.I of INR 3 Lacs and my hospitalisation expenses was INR 98000.
My claim was recently refused sighting that the treatment was related to infertility.
I have a history of endometriosis and cysts and in the past have been operated upon once for the cystectomic condition while I was still single.
This time the cyst was detected earlier on during sonography and the endometriotic growth was also cause for concern.
The condition would anyway merit an operation. Is the insurance conmpany justified in refuting the claim just because it was done in connection with an infertile condition?????
baswanth mohan paruchuri
27 July 2011 at 10:57
In order to get the property registered on the name of a person without any legal implications from any of the family members in any future course of time.whether partition deed or gift deed is suitable and any property devolved on a person as part of partition deed, such property can again be partitioned among his/her heirs?
Anonymous
26 July 2011 at 22:25
hello sir,I m hindu (female)and i got married soon on 26 june 2011 in a temple (maharastra/alandi)i have an issue dat my husband left me..he dont want to reside with me and his family is not accepting also ...but i have marriage certificate wid me which is provied by dat pandit and pandit have also marriage record of us. but there is no witness of our marriage accept dat pandit n few people around there .n i dont have any marriage pics also.me n my husband is in past 5 yrs relation also apart from this we have stayed in living relationship around 2 yrs in pune .but ritenw he dont want to live with me so i want to file case against him..
1.is it a legal marriage?
2.if yes then what cases i can impose on them?
please guide me..need help
Anonymous
26 July 2011 at 13:01
hello sir i am a Nepali i am staying here in India from past 15 yrs. im having bank a/c tat to is 15 yr old beside tis i dont hav any proof can i applly for the Indian citizenship if yes then wat all doc. will b req.
Anonymous
24 July 2011 at 13:52
Police jeep hit on the back of the motor cycle while chasing it.The person who ride the motor cycle died on the spot.Private complaint filed against the police officials before the magistrate court and the same has now been committed to sessions court.Can we file petition before MACT for compensation against police and government?.Please show me if there any citation.
Anonymous
24 July 2011 at 12:02
anyone can give ruling on accident claim of motor vehicle .the vehicle have permit of state highway and accident held on national highway .to reach destination national highway only single option .
insurance company reject the claim on the ground of permit. consumer court ask ruling on this case plz provide me
manoj kimar jha
23 July 2011 at 18:32
Can anyone tell me about the merits and demerits of nbfc those accept public deposits or not and also tell the checklist of compliance of Rbi , Roc and different compliance authority.PLS GIVE A PROMPT REPLY
Anonymous
22 July 2011 at 09:57
sir
divorce of mutual consent, final date this july last week. by demanding 4 lakhs money she(wife) is wantedly trying to absent to court. so i want to take return my file from court and i will file separately again for divorce (FILING FROM SINGLE SIDE)TRIED FOR MUTUAL, WASTED 7 MONTHS. SO TO TAKE MY FILE HOW TO PROCEED AND HOW MUCH TIME WILL TAKE, HOW MUCH FEE TO PAY TO COURT FOR RETURNIG FILE?
sir same lawyer for wife and husband, wife is telling with lawyer that she want 4 lakhs. lawyer know all the story, wife is a money mided and behaving like a sadist
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