[Resolved]  Citibank — Citibank/New India assurance co Goodheath policy-reg

Sirs,
I am Citibank card holder since April 1997 and my card no ending last 4 digits then 3024 and now 8001.
In 2002, Citibank enrolled me and my wife to GoodHealth Mediclaim policy of The New India Assurance co.ltd, Chennai 600006. and the policy effected from 1st Feb 2002..
Every year I receive renewal notices during Jan of every year for any addition or deletion and receive the renewed policies & ID cards in the 1st week of Feb every year. Likewise the policies were renewed.
In 2007, I have not received any renewal notice. However the premium were debited to my Citibank card account as usual on 19th Jan 2007.
Whereas I have not received the renewed policy & ID cards of myself and my wife till 1st May 2007 either from Citibank or Insurance co.,
So on 01.05.2007, I sent a mail to Citibank stating that even after lapse of more than 3 months from the date of expiry of the existing policies and the premium were debited on 19.01.2007, I have not received the policies and requested to arrange to send the policies if renewed or reverse the premium amount presuming that those policies were omitted to be renewed.
In reply to this, the citibank instead of reporting whether the policies were renewed or not, has informed me on 02.05.2007 that based on my request the Policies have been cancelled and also arranged to reverse the premium amount billed to my account. But the Citibank has not replied to the query raised by me whether the Policies have been renewed or not.. The Citibank had refunded 25% of the premium amount stating that the policies were cancelled after 90 days.
On 15.05.2007, I informed the Citibank that I never sought for cancellation of the policy. As 3 months have already elapsed, I requested to send the policies. The customer care in their reply dt 25.05.2007 said that We are concerned to note that you are not in receipt of Good health policy. However the bank said we are unable to revoke the policy and if you wish the same, they request me to send the completed Goodhealth order form and send them to the bank to renew ur goodhealth policy, but still not explained whether the policy has been renewed or not.
In the meantime I have mailed to the Nodal officerof the Citibank Mr. K Santhanam., explaining the fact, Who in turn advised me in his message dt 29.05.2007 to send filled in Goodhealth policy form.to renew your goodhealth policy
Accordingly I have sent the filled in Goodhealth form for renewal.
On receipt of the form, the Citibank in their reply message dt 08.08.2007 has informed me that the policy could not be revoked and advise me to apply for fresh policy.
I have been holding the policy since 2002 and I have not claimed a single pye so far and as advised by the Citibank if go for fresh policy I will lose all the benefits of the policy.
Moreover, Under any circumstances I have not asked for cancellation of the policy, but the citibank has cancelled the policies without any reason.. Till today I do not know whether the policies were renewed, if renewed, I would have have received the policies and IDs . The question of cancelling a policy does not arise when the the policies were not renewed and received.As advised by the officer-customer care in his message dt 25.05.2007 and Mr.Santhanam, the Nodal office in his letter dt.29.05.2007 I had sent filled in Goodhealth policy form to renew the policy
When the form were sent, the citi bank in their message dt 08.08.2007said that the cancelled policies could not be invoked and advised me to avail fresh policy
Thus I and my wife losing the benefits of policies held since 2002 at the age of 61 mine and 56 of my wife.
Now, the Citibankon 27.02.2009 has debited the premium towards Personal Accident policy only to me and Personal Accident & Mediclaim to my wife as a fresh Goodhealth policy stating that since I have crossed 60 years I have not been enrolled to Mediclaim policy but only to Personal accident policy When I was enrolled to the Good health policy in 2002, I was only 53 years. When I have not requested for any cancellation of the policy, the Citibank has cancelled and now giving fresh policy.
I am now a Retired Class I officer of the Government. Pl. consider whether any senor citizen at the age of 60 will ask for cancellation of a policy held for more than 6 years.The customer care Citibank has not even asked me whether the policies may be cancelled, If the bank has any doubt on my query.Considering the facts and our age, I request for a direction to renew the policies from the date of cancellation
Thanking you
Manavalan