Icici Lombard — Claim declined under policy ICICI Lombard Secure Mind Policy 4065/DHFL-HL/2589083/00/000

Address:	Jaipur, Rajasthan, 302021
Website:	www.icicilombard.com

My name is Arman Maheshwari, My father taken this policy against an home loan issued on 14/march/2013 it means before 3.6 Years ago, My father's name is Ashok Soni who is covered under this policy and in May month under a routine check up doctor diagnosed Chronic Liver Disease so we started taking treatment of Dr. S.S. Sharma and in July months due to Chronic Liver Disease death was happened of my father on 23/07/2015 because the life line after suffering this disease of few month maximum 6 months according to the doctors and on 25/07/2015 i initiate it to ICICI lombard (For critical illness) and ICICI prudential for the claim (For death claim). now after taking long and strong follow to your company customer care they send me an pdf by saying that your claim was declined due to according to the death summary my father suffering from CLD disease from last 3 year but we are not aware about it according to the death summary this disease was suffered after 7 months of policy issued but doctor diagnose it before 4 months and after that we under go the treatment, we are not rich and our financial condition is so bad right now after my father's death our car, my bike everything gone sold and this stage of life when we expecting that may be we get some amount from insurance company so we can pay our house installment of 34000 per month and can manage are house holding expenses, my and my sister's education expenses because in my family we had only 1 source of income which was my father and now after his mishappening we have zero source of income and a lot of EMI's and expenses. I'm doing B-tech 2nd year and my younger sister she is in 12 th class my mother she is uneducated so she is house wife. Now we are hoping that by receiving this claim may be we can finish some of our liability and may be after this i not required to quite my education on 2nd year and start working right now for income source. I called to your customer care regarding for the same that this policy issued before 3.6 years ago when my father was not suffered with this disease because if we taking death summary as ideal then also according to it my father suffered with this disease before 3 years form right now as mentioned on Death report so we can assume it around 01/sep/2013 but his policy issued on 14/March/2013 then also company need to cover this claim but same your executive never want to listen me and understand it, he telling me only this that we can not cover pre-existing disease under this policy and according to him doctor written in Death Summary that this disease suffered before 3 years of policy started now who tell the executive that is doctor know the policy issue date or any where this was written that this disease suffered before 3 years of policy issue because in death summary this only this written that this disease suffered him before 3 years from the day when the doctor written even according to Policy wording there's also clearly mentioned that " when it has been investigated, diagnosed " then its Pre-Existing Illness so how it become pre existing illness because we have also an certificate in which doctor also mention that on may end my father go to him for routine check up and firstly he found that he is suffering with this disease and if we talking about death summary for example once I'm accepting this also but can you tell me how it become pre existing disease because according to death summary this disease suffered from before 3 years it means around 01/Sep/2013 and policy issued on 14/March/2013 then how it become pre-existing case, So I'm requesting you that please re- check all mistakes and issue this claim because we never have any other option of source of income instead of stop my carrier and start working. May be you can understand our situation God never give this situation to any body. Sir I'm requesting you to review the case and please take an positive decision as soon as possible on high priority basis because we don't know that at the time when policy taken your executive what written in the proposal form we know only this that my father submit a amount to your company for taking care o[censored]s when we need our father more or helpless and your company take this amount from last 3.6 years now we are both condition sir and i can do any possible try to get this claim even i need to go Ombudsman, Consumer Court, IRDA Grievance or Grievance. Name of Proposer: Late Mr. Ashok Soni Policy 4065/DHFL-HL/2589083/00/000 Issue date: 14/March/2013 Plan Name: Secure Mind SumAssured: 4, 89, 990/- Regards: Arman Relation with policy holder : Son [protected]