[Resolved]  Icici Lombard — Rejecting policy

I have submitted a proposal for family floater policy of ICICI Lombard through an agent, same day i paid the amount by Cheque for Rs. 16822/- for 2 year premium, after 25 days i got a cheque for Rs. 16822/- and a letter it shows my policy is cancelled. I don’t know with out approving a proposal how they can cancel it. After 5 days again i got a letter from ICICI Lombard that my policy is cancelled because Renal Failure of Spouse.

It is clearly mentioned in ICICI Lombard family floater plan that


Exclusions valid for the first 2 Years by ICICI Lombard

Treatment of the following diseases/illness/ailments
Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Hernia, Hydrocele, Fistula in Anus, Piles, Arthritis, Gout, Rheumatism, Joint replacement, unless due to accident, Sinusitis and related disorders, Stone in the urinary and biliary systems, Dilatation & Curettage, Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids, Dialysis required for chronic renal failure, Surgery on tonsils, adenoids and sinuses and Gastric and duodenal ulcers.

If the Policy is renewed with us for two consecutive years, the above diseases/illness/ailments ( Dialysis required for chronic renal failure) will be covered from the 3rd year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards.

Permanent exclusions

Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 4 consecutive years (If they reject a policy like mine on the basis of renal failure for spouse then how can it be renewed for 4 consecutive years)

Any pre-existing illness - The claims arising on account of or in connection with any Pre-existing illness as defined in policy shall be excluded from the scope of cover under the policy until 48 months of continuous coverage have elapsed, since inception of the first individual health policy with the company

It is clearly mentioned in the website and brochure clearly that At the inception of policy Pre existing disease/ illness like Dialysis required for chronic renal failure will not be covered and the same will be covered form the 4th year onwards.

Please help me with a solution to get a mediclaim policy for my family.