[Resolved]  National Insurance Company Limited — Break in continuity of my Baroda Health Mediclaim Policy

Address:

Mumbai City, Maharashtra

I had renewed BarodaHealth Mediclaim Policy for the 6th year on 7th December, 2012 by making payment to Bank of Baroda and the amount was debited on 7th by Bank of Baroda and my policy was due for renewal on 12th December, 2012 but on receipt of the policy I got the shock that the policy has been renewed only from 28th December, 2012 instead of 12th December, 2012, my due date and so I went to their office i.e. Division No. 15 at 3rd Floor Sterling Cinema building, Mumbai 400001 and where I met one Mr. G.V.Singh, who is the concerned official for Barodahealth mediclaim policies, and he told me that 15days is the regular grace period allowed for renewal of above policies but renewals even after these 15 days we do not object for payment of any claims but when I lodged my claim on 5th July, 2013, the same was rejected by the company saying that the policy is in its 1st year and the claim for cataract operation is not payable and on making re-presentation and personal visits to the above division and the regional office the claim was paid but now I am asking for changing the date of renewal of my policy since I do not want any break in the policy for future claims but the company is refusing to do so saying that since they had received the renewal cheque from Bank of Baroda late and hence I am not entitled to renewal from the renewal date i.e. 12th December, 2012 and hence I want to know how can the Insurance company do so since my account was debited by Bank of Baroda on 7th December 2012 itself and I have given them proof of it and a explanatory letter fromBank of Baroda for delay on part of the Bank of Baroda in forwaring my premium late. As per my opinion since the amount was debited by the Bank on 7th December, 2012 I am not resposible for the late renewal and the Insurance company is bound to renew it in time i.e. w.e.f. 12th december, 2012 without break. The company told me that the cheque and renewal form was received by them only on 26th December, 2013 and they renewed it only on 28th December, 2012 i.e. 2 days later than the condonable period of 15 days after the last date of policy. Even if the policy would have been renewed on 26th December, 2013 and still the policy would have been in continuity and hence I feel that it is done with full intention so that claims can be rejected. They were saying that generally they renew it from the same day of receipt of premium and renewal form from Bank of Baroda . Hope you will take up the matter with the National Insurance Company Limited and help me out. Kind regards Namrata Vazirani