[Resolved]  Oriental Insurance — claim rejection

Address:

Ferozepur, Punjab

To
Chief Manager,
Customer Service Department,
Head Office, New Delhi

Respected sir,
This is to bring in your notice that i have been your policy holder with policy no 233200/48/2013/1105 for last three years. I am regularly paying the premium against my policy and my policy is due for renewal on 10/7/13 . But I am very much annoyed and disturbed because my claim for the surgical treatment has been rejected, this has shattered my faith and I feel cheated .
My wife was detected with the left eye cataract on date 9/3/2013 and she was treated for the same in SGL Hospital , Jalandhar on 13/4/2013. As this was very precise and atraumatic surgery so she was discharged from the hospital same day.
I had informed on your helpline numbers about the treatment, got the reference number and deposited all the required documents well in time. Despite all my efforts, it was informed to me by the company that I cant get the claim amount(by the letter dated 7/5/2013).
I want to ask the company that why I was treated indifferently when:-
1) My policy is running for three continuous years rather than two years as mentioned in claim refusal letter.
2) Documents were complete and deposited well in time.
3) Cataract surgery is atraumatic and does not require patient hospitalisation unless some complication arises.
4) If the company says cataract is chronic and takes time to develop then what about the medical examination and reports that were done at the start of the policy.
I want the company to reconsider the case and give us the claim amount otherwise there is no reason why should I continue my policy. So kindly look into the case urgently.
Looking forward to hear from your side.
Regards ,
Dr Ashok Verma
Policy no 233200/48/2013/1105