ICICI Prudential Hospital Care Policy — they ask for the documents i have already submitted for processing of clim

i, pranav bhattacharya, had taken the hospital care policy from icici prudential life insurance company limited with a hope that if someday i were injured, my family would have at least some reliefe from tention of arranging money. unfortunately on 11/5/2008, i had an accident when i was on my way to my office and a dog came across my way hitting my bike. i had fractures and was immideately admitted to an hospital where i had surgeries of my right leg as well as my left hand.
now after being descharged after eight days of hospitelisation i called the policy advisor and handed over the photocopies of Discharge Certificate, hospital bills with all break ups, a driving licence copy and dully filled claim statement form as reqired by the policy documents. after one month when i had called to cutomer care of ICICI PRUDENTIAL to inquire about progress of my claim, i was told that the documents had not reached there till that date. inquiring the local office i was informed that some formalitis were remaining due to which my documents could not be sent. i, again after fifteen days, called CC of ICICIPRU. to know that my documents were still in local office and the local officials had told that still there were formalities remaining. thus it took almost six months that my papers reached to claim settelment cell. it took six complete months that CC of ICICIPRU. told me that WE RECIEVED YOUR DOCUMENTS.
however, after six months and fifteen days on 6/10/08 i recieve a letter from ICICI PRUDENTIAL LIFE INSURANCE COMPANY that they still need a few more documents, which i understand, i had already submitted to them. i had given an email in this connection but still unanswered.
what i complain is that when i am injured and i cannot even walk properly, they are forcing me to run hospital, local ICICI office, advisor's home etc . only for the those documents which are already with them. and if they have any kind of doubt why dont they send a survayor to the hospital directly to varify the things or collect any document related with the case. why these private insurance companies physically and mantally torture the people while giving even the genuin claims, who make trust on them while purchasing policies and paying the heavy premiums that some day in need the insurance company will help.
at last i would add that i am told that without knocking the doors of Consumer Forum there is no way i can get my claim. i would say that if it is the truth and is happning practically, why don't they add in policy documents clearly that if you have to get the claim, you would have to go to the Court.
thanking you
pranav bhattacharya
policy no 05289889