IFFCO Tokio General Insurance — rejection of insurance claim

Address:

Ranchi, Jharkhand, 834001

The details of my complaint are as follows:
My Claim no. 37514955 has been rejected on the grounds that there is a concealment of age at the time of obtaining the policy. [The claim rejection letter has been attached].
While the policy was in its inception when the form was filled for application of the policy, all my details including my Date of Birth was filled in the application form of the policy. So, the ground for rejection is completely unreasonable as mentioning the Date of Birth is itself a declaration of an individual about his minority or majority. Hence, there is no concealment of information with regard to the age of the policyholder.
On a previous occasion while I was still a minor my claim has been approved under the same insurance policy which was later renewed. [The payment details of previously approved claim is attached].
Also it is the duty of the insurer to disclose relevant and material as per the principle o[censored]tmost good faith that if a person is minor then he cannot be insured under this particular policy.
Also, the insurer never rejected the policy during the period the premium was paid and suddenly considers the policy to be void when the claim is demanded.