[Resolved]  Cholamandalam Ms General Insurance Company Limited — Non settlement of claim

I was feeling pack pain on 4th july 2008 night, on 5th july morning consulted to doctor after examination and x - ray. doctor admitted me and started medicine and trackson on neck. on 7th july around 9 pm, i was discharged. medication and injection was continued for next 5 days and doctor has called after one week. i again visited the doctor on 16th july. the mediclaim form was filled on 16th july and sent to cholamandalam office on 17th july with all original documents by trackon courier. after a week we got phone call from cholamandalam office about the original x - ray report. the x - ray report was sent by the trackon courier on 25th july.

After that we were following the cholamandalam, and they told that the it is under process. on 10th of september we got phone call from cholamandalam goa office about submitting few more documents (latter of defecencies) followed by e-mail with attachment (dated 2nd september) asking to submit the following documents within 7 days.

1. need late submission reason
2. need all first detection reports and doctors prescriptions for cervical spendylosis
3. need treating consultant to clarify the exact duration of the ailment and since when the patient is
Uffering from the above said illness
4. need all previous treatment taken details with prescriptions and lab reports


I was out station, and the address on the claim form was my office address. i checked with my office and they has not received any latter on my name form cholamandalam office. the same time i had given my residence address to cholamandalam goa office. so i sent following reply by e-mail on 12 september

1) i was discharge from nursing home on 7th july around 9pm, and i was still on medication including injections. doctors have called after one week. so the claim was submitted after visiting doctor. after one week we got call from the chola ms office about the x-ray report and the same was sent on 25th july to cholams office, goa by trackon courier.
2) the sever pain has started on the evening of 4th july, although there was little bit pain since 4-5 days. the all original prescriptions and reports have bee submitted with the claim form.
3)
4) first time there was so sevier pain. there is no any treatment/ prescriptions in this regard.

About point no. 3, i requested to cholamandalam office to get the latter from doctor. i got reply e-mail from goa cholamandalam office that “ for point no. 3 cholamandalam has sent a latter to doctor.

I was folloing the goa office and i was getting the reply that the it is under process.
Again i visited the cholamandalam office at goa, (october) and they told that the they are still wating the reply form the doctor. so i went to the doctor and got latter about the point no. 3 and same was submitted to goa office.

I was following the same via phone or personal visit. every time i was getting the reply that it is under process.
When january 2009, i visited the goa cholamandalam office, they told that the your file has been closed.
And there was no any reason for the same was provided.

I sent a email asking to settle my claim on 19th of january 2009. i got reply from the cholamandalam office that “ my file has been closed and request to reopened the file was declined by competent authority.
I again sent a mail requesting to reopen my file and settle my claim.
I have not yet got any reply.


Policy details:
Name : prabhat kumar
Policy no.: fhp[protected]
Customer code: fc011577
Period of insurance : 1st november 2007 to 31st october 2008
Policy issueing office : goa branch office of cholamandalam ms general insurance company ltd.
Insured amount : 200000/- (rs. two lakh only)
Asking for claim” rs. 5822/- (rs. five thousand eight hundred and twenty two)


Cholamandalam ms general insurance head office
Dare house, 2nd floor, nsc bose road, chennai-600 001, india
Tel:[protected]
Fax:[protected]
Email: [protected]@cholams. murugappa.com


Goa office address
No: 203, 2nd floor, dempo trade centre, patto, panjim, goa - 403001.
Telephone no :[protected] / 3044913
Fax no:[protected]
Email: [protected]@cholams. murugappa.com

My present correspondence address:
Prabhat kumar
A5/f1, milroc woods, corlim
Old goa, goa – 403110
Email: [protected]@rediffmail.com
Tel:[protected]
[protected]