Bajaj Allianz — bajaj allianz has cheated on senior citizens by being unethical

Address:

208011

Bajaj allianz has cheated senior citizens and looted money. They are completely unethical and can go to any limits in cheating their customers and rejecting claims.
We have been paying high premium for our old aged parents from last 2 years and 10 months. At the time of purchasing the policy, we did what all they asked us to do in terms of medical test and they issued policy excluding diabetes (As existing) for 3 years.
Later on my mother got lungs infection issue and she got into icu, we submitted the claim and everything changed.
Insurer didn't approve it immediately and we started paying money we owe to hospital. After aggressive follow up with insurer, it got into quality review and investigations. Later on they denied saying patient has existing disease and was not disclosed at the time of policy purchase.
Those 2 days were difficult as we were dealing with our mother situation and still paying the cash from our pocket.

They put all the numbers incorrectly while denying the claim about hypertension as existing since 20 years, copd and ckd since 5 years.
As a matter of fact, there was no history of hypertension with patient and neither copd and ckd when she took the policy.
When we spoke to tpa/hospital, they also confirmed they never gave those numbers.

My concerns:
1) why did they issue policy and did not do appropriate medical tests if they think their numbers are correct?
2) where is the proof showing these diseases exist since 20 or 5 years?
3) now when we are only 2 months away from completing 3 years and be eligible for any pre-existing disease also, bajaj allianz is now voiding the policy and forfeiting all premium paid.
Where are those customer representative or sales agents calls who give big promises while issuing policy as if insurer cares for people. I don’t expect any emotional support but i expect companies to be ethical in what they do.
It's completely a misstatement of the facts by bajaj allianz and i will be taking it to the next level.
This is a total cheat on us and we want justice as soon as possible.
People take policy for their ease during their difficult times. After being regular and paying high premium continuously, now is the time to pay back. But bajaj allianz created all possible trouble during the needs.