Birla Sun Life — Failed to help during bad hours in Medical Policy

Address:

Moradabad, Uttar Pradesh

Dear Sir,

I am holding a policy of BSLI since 28 Jan 2009, of Medi calim namely UHB, which gives me and my wife a cover of RS. 4.8 Lacs as of now to both o[censored]s. However they failed to provide us the services. It has happened twice.

1. Last year when my wife got admitted for Medical Emergency of a removal of her uterus due to fibroids,[protected], when Hospital at Bareilly requested for pre authorization, Initially they refused by saying policy is lapsed due to No n Payment of premium, later send a authorization for Rs 15, 000.00 against Rs. 30, 000.00 After having a tough time and fighting here and there I could get a letter for the same from them on 28-8-12.

2. This year, in the month of March 19, 2013, I meet a road accident and got admitted at Moradabad and then refereed to Delhi for medical management. I got admitted in Max Hospital at Patpar Ganj, again when the hospital proceed my request they did not respond for some time. And after some time send a letter for Rs 50, 000.00 (how ever as per the bond) I was eligible for Rs 60, 000.00. Later when I took up this matter with IRDA they have given an incorrect information that they have authorized for Rs 60, 000.00.

Tell me where should I approach now under such circumstances.