I, deepak shivalal munot, had applied for a term-plan of pnb - metlife on 3rd october 2016 by paying rs 67, 436 online against their attached proposal.in the said application it was clearly mentioned that my wife, manju deepak munot, for whom also i had sought insurance cover, had undergone lumpectomy in november 2011. Subsequently, as per their requirement, all her reports were shared with them. Her pet-cts over the last 5 years (As well as her ctc report done in 2016) shared with them show that after her lumpectomy she is free of malignancy.
After over 5-months through e-mail dated 11th march 2017, i was informed that they cannot cover my wife while they are ready to cover me. They had, on 27th october 2016 i. E. After more than 3-weeks had e-mailed me that “due to the personal medical history of my spouse” she is being denied an insurance cover while agreeing to enrol me. While denying the cover to my wife, pnb-metlife did not clarify what new facts of her medical history did they learn subsequently to deny her the cover. Had they told us at the time of applying, i. E. Right in the beginning, that they do not cover anyone with a history of breast cancer, it would have saved us all the trouble. I am scared of the mental trauma my spouse would have to undergo if i inform her that she has been denied the insurance cover for which she had gone through all the medical examinations with me. It is just very unfair to her. It would be a big psychological blow to her. Hence i request you to ask pnb-metlife not to deny my spouse the cover they had proposed to offer.
Secondly, while declining to offer us the policy, they returned the premium amount of rs 67, 346 on 31st march 2017 i. E. After 6-months without any interest on such a big amount.
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