Bima Lokpal — Health Claim deduction

Subject: Claim no. 23922322 Pankaj Chanchal

Dear Sir / Madam,

My mediclaim claim number is 23922322 vide P.no.[protected]of National Insurance Co. Ltd. I have received the letter dated 03/04/2021 with sanctioned amount as Rs. 90000/- out of Rs. 191030/-.
* You have deducted Rs. 78830/- as Policy excess / deductible.
IN this pandeamic situation when my wife in trouble and we tried to other hospital for 3 hours but we
not get admission in KEM Hospital, Dinanath Mangeshkar Hospital, and Ruby Hall Clinic so
we have no choice through our Doctor we get admission in Poona Hospital.
I am not understanding what is this policy excess / deductible is deducted that too 78830/- which is too high.
You have increased the premiums by more than 50% this year, still being a loyal customer of National since more than 10 years, I have paid that high premiums, and still after taking a policy of Rs. 4 lacs I have been paid claim for less than 50% claimed amount which is not fair at all and not accetable by me.
Kindly consider the claim once again and pay me the remaining Rs. 78830/-
.
Policy copy and sanction letter attached for your reference.
Kindly sanction the balance amount deducted.
Awaiting your positive and prompt reply.
Thanking You.

Regards,
PANKAJ CHANCHAL