Kotak Life Insurance — cheeter company

I have taken policy from your co. against Proposal No.1717150, and paid a cheque No. 979162 of Punjab National Bank, Nasik for Rs. 40000/- (Forty Thousand) as first premium. The amount was debited from my account 0n 18.09.2009. Your agent has collected all the relevant documents and intimated that the Policy will be delivered by the co. through courrier. Till date I have not received the same. Now I have been intimated to come to Nasik for medical check-up. It is not understood how suddenly your co. is asking for that, as while opening policy this requirement was not mentioned. I have open a Policy in LIC, they have asked for medical checkup before accepting the money. Your Co. has is asking me now for medical checup, after getting money in the pocket, this is not justfied and against all sort of norms. This a case of harrasement and cheating. I am staying 28 Kms away from Nasik, as such it is not possible to go for medical checkup. It is therefore requested my request proposal menntined above may please be treated as cancelled and the amount Rs. 40000/- may be returned to me immediately. the delay in this regard will force me to take up with Consumer forrum and Ministry of Grievance, New Delhi for justice. Thanks Madhumita Naha