[Resolved]  LICI — DEATH CLAIM pol no[protected]

Address:

West Bengal

My husband had some policies and he died 6/5/2009. All claims paid by LIC one one policy SA 12 lak not paid till date. With interval of two three month LIC post a pre-printed letter asking for pathological and treatment particulars. 4 times LIC send this letter and everytime we send all particulars by post along with forwarding letter. In that letter and in other form of LIC I clearly mentioned that end of DEcember my husband first consulted with Siliguri Doctor (whoes prescription also enclosed with the letter)and as per the doctor advice we gone to Bangalore for treatment of cancer. There after 5 month my husband died due to cancer. Before that we did not consulted any doctor. We submitted all paper of Bangalore and siliguri. In last letter from LIC finally accept that LIC got all paper. Now LIc asking treatment particulars of Hypertension and diabetes. We never had any treatment for hypertension and diabetes so treatment particulars can not be submitted. LIC just delaying and diverting the justified claim...sometimes through letter correspondence some time arising new question like hypertension diabetes like question after 9 month of receiving papers. Even the question is totally unrelated with the death. BP and diabetes has no link with cancer.We were not aware of cancer when took the policy in sepmtember paying yearly almost 90000/- premium. In December Siliguri doctor's prescription clearly given note for suspect of cancer and treatment to be done outside.Here only we came to know. So no fraud happened in our part. In that time not only my husband all family member took a new policy as money back from previous policy came and in total almost 4 lak premium paid for new policy. This only to say that there was no fraudulent attitude. However still date LIC not came for investigation however as per IRDA norms with 6 months investigation report must be submitted.So I think in this case there is gross negligency, deficiency of service, unnecessary harassment, unnecessary delay took place.

the entire claim amount will be more than 12 lak along with bonous plus interest for last 9 month @ 10% and 20,000/- for mental agony. I got 18 lak claim amount earlier and not got any pain from LIC.But in this latest case investigation not done so claim is pending and to kill the time with some interval LIc sending same letters and after 9 month asking same type but new question ( BP &diabetes)just to keep the case alive and pending. This technical harassment is brain child of technical persons.So for their fault extra money (int+20000) THEY SHOULD PAY FROM THEIR OWN POCKET and not LIC.In other words if LIC to pay interest and 20000/- for mental agony it means ultimately it will be paid by the good policy holder (including me) by nailing down the bonus rate for payment of extra ( int+agony) money in death claim.




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