National Insurance Company Limited — Discontinuation of Policy

Address:

Kolkata, West Bengal

My Mother Mrs Ratna Banerjee, is a long time policy holder of National Insurance Company(now a senior citizen of 73 years) and been availing Sampoorna Arogya Bima Policy for last few years with an enhanced cover of Rs 5, 00, 000 against a last year premium paid of Rs 9938(premium Rs 8845, service tax 1061, education cess Rs 32).We had paid her last premium under the policy on 17th February 2014 at India Exchange Place Branch in Kolkata.

When I called up the branch from Mumbai today for information required on the renewal premium for 2015-16, I was shocked to know that this policy have been discontinued and I was suggested to avail Surksha Policy/Individual Mediclaim Policy.We have got no prior intimation on this from National Insurance Company. Further, I came to know that under individual mediclaim policy to be applicable to my mother policy premium will be at least 2 1/2 times of existing premium and that too may be with a lesser cover.

What is the remedy for this unjust treatment in hand of the National insurer?

What legislation allows them to discontinue existing mediclaim plans?