National Insurance Company Complaints & Reviews

My Husbsnd was taking a policy in National insurance Company Gaya Bihar.the policy number is 100300/47/01/9600022/02/96/30208.After the death of my husband .i have done a claim complain in national insurance company gaya.claim number is[protected]/2005.but now this time i have not got the claim.in this period(2005 to 2009) i consult many time in national insurance company regional office gaya and head office Kolcatta.but i have not recive claim amount up till now.

Hi sir,


I have purchase a bike of hero honda (splendor plus HR 26 AR 8041) from Jashoda auto gurgaon on 9th may 2008 was insured by national insurance company ltd vashant vihar new delhi branch. Bike has theft on 25th April 2009and i have registered FIR(147) in sadar gurgaon police station.I have informed to national insurance company on 28th April 2009 that my bike has theft and settle my claim.

I have submitted all documents regarding settle to claim and final untraced report from police has submitted on 2nd September 2009. But National insurance company told to me that your bike has re insured on your name and address on 1st Oct 09

I ask to you how can done this insurance because national insurance company has allready know all those thing.

National insurance company is not settle my claim.

Please help me

Thanking you

Regards

Dharmatma Nand Yadav
S/O Bechu Yadav
Otis Elevator company india ltd
423, qutub plaza DLF phase I
Gurgaon HR -122001
Mob -[protected]

Date: Sat, Sep 26, 2009 at 10:28 AM
To: [protected]@nic.co.in, nsr.[protected]@nic.co.in, sujit.[protected]@nic.co.in, a.[protected]@nic.co.in
Cc: rk.[protected]@nic.co.in, kuldip.[protected]@nic.co.in, av.[protected]@nic.co.in, kp.[protected]@nic.co.in, [protected]@hindustantimes.com, [protected]@rediffmail.com

From:
Capt Vivek C Gupta, R/o No.5, Prem Bhawan, Dayalbagh Road, Opp Soami Bagh Main Gate, Agra - 282 005, Tel:[protected], 3294428. Mbl: [protected], [protected], Email: [protected]@gmail.com, [protected]@sancharnet.in

For: Regional office Dehradun - National Insurance Co Ltd.,
- Chief Regional Manager,
- Manager
- CMD National Insurance Co
- DGM's Indian Regional offices
- GM's Indian Regional offices
- Hindustan Times
- Insurance Ombudsman New Delhi

Sub: Theft Claim of my Vehicle Wagon R Regn No.. UP80AC7382:: Policy No. 3708428 Maruti Insurance:: Claim lying at National Insurance Co. Ltd., Branch III, HariParbat, AGRA & lying undelivered for past 6 months
Dear Sir,

My vehicle Wagon R Lxi Regn No UP80AC7382 was insured under above policy no. 3708428, by National Insurance Co. Ltd., under Maruti Insurance Tie - Up by M/s Kavisha Motors at Agra.

Unfortunately, my vehicle was stolen on 13.03.2009 and since then, the steps taken by me are as under;
(1) Dated 17.03.2009:: Intimation given to local Branch No. 3 of National Insurance at Agra .
(2) Dated 17.07.2009:: Intimation given to Local Surveyor, Sh. Gajendra Kumar Rawat Mobile no. [protected], for acceptance of Final Report by Court and subsequently he collected all the papers in original from my home.
(3) Since then more than 2 months have passed, I have visited the local branch office several times to enquire about the claim payment of my vehicle BUT every time I have been informed that since the report from RO i .e. Dehradun Regional office has not been received, further processing cannot be done.

I am really surprised at the poor ways of working of the National Insurance company, in spite the fact that the above mentioned company authorized surveyor has collected the papers from us then why the report is not submitted.

IT IS IMPORTANT TO NOTE THAT MY WIFE HAS ALREADY RECEIVED A FEELER FROM YOUR OFFICIALLY APPOINTED SURVEYOR DEMANDING BRIBE FOR SPEEDY SETTLEMENT OF THE CLAIM - I NEED THIS CLARIFICATION BEFORE I INITIATE LEGAL ACTION AGAINST THE SURVEYOR & THE WORKING WAYS OF THE INSURANCE COMPANY WHO EMPLOYEES SUCH PEOPLE

PLEASE LOOK INTO THE MATTER AND ARRANGE TO LET ME KNOW URGENTLY THE FOLLOWING:
(1) ANY PENDING PROCEDURES THAT I HAVE TO FOLLOW - THOUGH THEY HAVE ALL BEEN DONE & COMPLETED LONG BACK
(2) HOW MUCH TIME IT WILL TAKE TO SETTLE THE CLAIM.
(3) I HEREBY PUT THE NATIONAL INSURANCE COMPANY ON NOTICE AND WILL HOLD THE COMPANY DIRECTLY RESPONSIBLE FOR ALL THE LOSS OF INTEREST WEF 17TH JULY 2009 WHICH IS BEING INCURRED BY ME DUE TO THE ABOVE DELAYS AS MAY BE APPLICABLE TILL THE CLAIM IS FINALLY RECEIVED BY ME

I herewith request the National Insurance Company to settle the above claim at the earliest

Yours Sincerely,

Capt. Vivek CharanDas Gupta
5, Prem Bhawan, Dayalbagh,
AGRA 282005
Tel:[protected], 3294428
Mbl: [protected], [protected]

Copy to: Motor Claim Cell, National Insurance Co. Ltd, Hari Parvat, Agra

Reg.: Policy no. 00761946

With reference to my above policy, I had claimed insurance on 24/04/2009 for which I have made payment of Rs. 4529/- to Hitendra Agencies (from whom I had repaired my bike). I have not received the claim amount from you, although 4 months have lapsed since I have made the claim.
The surveyor name and contact no. is _Jatin Parab : [protected]
I have been in constant touch with Mr. Prakash (#[protected] regarding the above claim. His only reply is that the claim is being processed and they are awaiting approval from your Delhi office.

It has come to my knowledge that besides my claim application, many other claim applications have been kept pending for many months. The poor service offered by you has left me very upset. I am not satisfied with the services offered by your company. Henceforth, I will renew my insurance with some other company and I will also strongly recommend others not to take insurance from this company. If this is the state of affairs, you may as well close down the company.

Please look into the matter and ensure that I get my claim amount at the earliest.

Thanking you,

Yours faithfully,



Manish Tailor

Re claim under policy no 60099909
Vehicle no RJ14 CE 4276
Date of accident 13/4/09
Dealer Name VIPUAL MOTORS<MALVIYANAGER< JAIPUR
above vehicle was given for repair under accidental repair on 13/4/09 and payment was made vice invoice no job 0168660( invoice no 018526 date 16/4/09and remark was written by insurance file not be closed as work of fronf glass screen not done though cover under policy but letter of national insurance no 370200/MIBL?2009 dated 8/5/09 was received on28/5/09 Jaipur Div 11 of insurance co closing file and not job aletter from my side was send to co 8/6/09 by fax and matter discussed on phone withreprentative co who has assured to look into matter but no response till date was received, please look into matter

This refers to the policy no. 250500/48/08/[protected] in the name of my mother Mrs. Radha Narayanan with National Insurance Company.

She had undergone cataract surgery on 14/02/2009. On 26/02/2009, I had put up my claim through Heritage Health Services Pvt Ltd.

As per the policy, claims are supposed to be settled within 45 days. Now almost three months have passed, still the claim is not settled.

My claim files reference no. 12905601. I have been following daily with Heritage, but I am getting the same reply – “under process”.

The service rendered a reputed company like National Insurance to a senior citizen is really pathetic.

Kindly look in o the matter at the earliest.

Packet no.gkl613900 sent by Mr.Ganapathy.M.M on 23.05.2009 to National insurance Co.ltd, Bantwal branch. The packet is not delivered as on 25.05.2009. I have contacted your office and they are not able to locate the packet till now . This is the 3rd time our packets which are sent from Gonikoppal is misplaced or sent to wrong destinations. Kindly deliver our packet immediately.

Thanking you.

Pushpalatha.K.P
Branch Manager
National Insurance co ltd
Bantwal branch

Date: 12th Mar, 09

Office Of The insurance
Ombubsman
Chandigarh



Reg. Policy No. 361102/48/07/[protected]


Dear Sir

We have taken our mediclaim policy from M/S NATIONAL INSURANCE COMPANY LTD. from last 4-5 years without any break.

Last year on very first instance, when I came to know the severe pain in my left kidney and I believe that due to some stone particles. This later on diagnosed by the doctors also. I immediately admitted to the nearest hospital i.e. Sarvodya Hospital on 27th May 2008. I was till there on 28th May 2008, therefore again for the same problem admitted on 31st May 2008 and discharged on 3rd June 2008 (the cashless approval was granted by Vipul for the said stay and whole treatment, which was not cured at Sarvodya Hospital). As the stone position in the kidney area was critical to operate there in the hospital, hence the hospitals officials called the doctors from outside for their valued opinion and after their mutual discussion, my family members were called and advised that since we do not have the sufficient machine / instrument to operate on that particular portion, where the stone is lying, advised my family members to take me to the Sharma Nursing Home, Faridabad, which has the expertise to resolve these types of critical cases, as they are having their in house facilities through their special and latest technology / machines for operating such types of critical cases.

Therefore, that was the time when we were not in position to even think more for any other option and proceeded as per the doctors’ advice. Upon these facts and position, I was taken and admitted by my family members in Sharma Nursing Home, Faridabad on 4th June 2008 and operated there and discharged in normal health condition on 9th June 2008.

At last I had submitted my claim for reimbursement of money spent by me to National Insurance Company and National Insurance Company refusal letter dated 22nd August 2008 came to me stated that the hospital where you have been treated, is not in our list of Hospitals.

Now, we are facing big problem for related to claim. National Insurance harasses us from last 7-8 months. When we have taken this policy there is not in hospital list. After when they do start limited hospital lists. They have not given us any information through courier or any source. . Every 3 months or 6 months they are changing hospital lists and give not any information to customer.

So, how can we update about it. Sir, right now we are in financial crises. We have gone to National Insurance at least 100 times form last 8 months. They have sent our case in their R. O. Office. They rejected also become of hospital. Our problem is genuine. We told them to check it out. But they harass us continue and misguide also. Please clear our case as soon as possible. They had already passed 40-50 cases as per our cases. Because some customers are relative of insurance Company’s employees. But they rejected our case without any reason. The Manager of National Insurance Mr. Kaul & Mr. M K Dhariwal have no answer about our case. They always said “your case is OK” But R.O. has rejected the file. They have advised us to go to R.O... We are already wasted our lot of time, Money and Fuel also. We are regularly disappointed by them. Now there is no way out to approach to you people. This is our humble request you to clear our case and make the Cheque of our Claim and our fuel expenses if it is possible.

.
Sir, my humble request to you is that please look in to the facts of case and kindly accord your approval, So that the reimbursement is made available to me at the earliest. I am again enclosing a copy of all mediclaim policies Photocopy and rejection Letter of Insurance Company for your ref.

Kindly take a necessary action immediately


Thanking You


Yours truly,

Jagdish Sikka
889/1, Raja Garden
Old Faridabad.


Encl.: as above

with reference to your mail dated:21/01/09 TTK CRM #108129 with reference to your email I undersigned hereby inform you that I had sent email on friday 19/12/2008 against your reply for your email dated 12/12/2008 for the card number.Hence no specific card no is given to us. National Insurance Compant Ltd started Floater Group Medical Policy to the members of our bank under G.M.P No:260800/46/07/[protected] which is common to all the members being a group policy.We provided documents enclosed in support of your claim:1.Original Discharge Card.2.Original Test Report prescribed by Doctor.3.Original Bills, Receipts and cash memo etc.4.Prescription for clinical report, medine etc.5.From Hospital and/or Surgeon/Consulting Doctors Prescription.6.Date of admission 31/07/2007 and Date opf discharge 10/08/2007, zerox statement sheet of Vyas Surgery Hospital Sion Mumbai .7.Zerox copy of Intake and output chart . I was hospitalised from dated 31/07/2007 till 10/07/2007 in doctor vyas surgery for the treatment of slip disc werein I had occured total expences of Rs.38000 which was previously understood by me that the same will be reimbursed to me after hospitalisation on submission of the relevant document as per company's process.I received a letter from Company that above hospital is having only 8 beds and that the hospital should have atleast 15 beds.We already paid premium Rs.3000 against medical allowance and the same amt is being provided by the bank on yearly basis for its members.But this fact was naver known to me and in case if any emergency occurs is it quite legitimate to find such hospital which will fulfill your norms or we shall have the right treatment as per the need of the hour and the same was done by me the case being critical. Company's address is as follows:National Insurance Company Limited, Tel.No:22093605/22050996, Fax.No:22096279 Issuing Office Address:National Insurance Company Limited, D.O.XVI, Commercial Union House, 9Wallace street fort .Regd office:3, Middleton street, POst Box No.9229, Kolkata 700071. Hence I request you to do the needful so that the sufferes like us will do believe in you and help us to have faith in you. Thanking you, Yours Faithfully, Vijay.Bhaskar.Deshpande.

--- On Wed, 21/1/09, care <[protected]@ttkhealthcareservices.com> wrote:

From: care <[protected]@ttkhealthcareservices.com>
Subject: RE:
To: [protected]@yahoo.com
Date: Wednesday, 21 January, 2009, 4:26 PM



Dear Sir,



We regret for the inconvenience caused to you. Please let us know your Policy number or the TTK ID card number together in each of your correspondence with us so that we can check with our records and revert.



Regards,
TTK Healthcare TPA Pvt Ltd.,





-----Original Message-----
From: SAM DESHPANDE [mailto:[protected]@yahoo.com]
Sent: Wednesday, December 31, 2008 4:49 PM
To: [protected]@ttkhealthcareservices.com; gupta
Subject:

Dear Sir
With refference to mail received from you I would like to say that being group medical insurance policy (Floatal Policy) was given to me from National Assurance company Ltd, card was not given to me being a group insurance
It learnt that previously some members recived the cards, after they stoped giving cards to all of the members hence I am not having cards as I could not recived the same. The company started group insurance after stopping the cards.
Please look into the matter and solve the promblem sympathetically,
Wishyou happy New Year & I hope it will be happy for us too.
Thanking you.

Vijay B Deshpande

Dear all,

Claim not paid since April 2008 (Aprox one Year)

I met with an accident on 5th April 2008 and intimated the NIC well in time. To my great surprise the Nationa insurance (Sec26 Madhya Marg, Chandigarh) is not paying my claim till date. where as all the formalities have been completed by me. The branch also missed some documents which i again completed and handed over to them.

Once i called Mr. Marwari and wanted to know the status of the case, he repleid that he is in the market, i got him reminded that he is talking to me on land line phone call. one can judge the responsibility and attitude.

Is there any one who can help me to come out from this cruel game of NIC.

waiting for reply.

Er. SUnil Kumar
[protected]@yahoo.co.in
PB 02 AJ 0505
Full Package / comprehensive Insurance in force.
valid Driving Licence.

I hold along with my wife a Varistha Mediclaim Policy with Critical illness cover of National Insurance Company issued by the Kolkata Division X office, effective from 20.02.2008, paying as per it’s rule, 10% loading on premiums for being fresh entrants.
1) At the time of renewal in February 2009 I was told that I shall have to pay again the 10% fresh entrant’s loading as per rule though I categorically drawn to the concerned officer's attention on the very nomenclature of the term “fresh entrants” which makes itself self explanatory. It is not understood how a policyholder will remain fresh even at subsequent renewals. Unfortunately, to keep the policy alive I had to cough up the 10% loading on the premiums extra, though I no longer remain a fresh entrant at renewal.
2) I have not been supplied with a premium calculation worksheet where details e.g. loading, taxes, cess etc are enumerated along with the premiums item-wise, to let a client understand what he has been charged for payment. The receipt of payment given to me does not show the 10% fresh entrant loading separately.
3) When I received the policy I found to my dismay that no bonus due to claim free last year was accounted. I understand that a 5% deduction in premiums can be given at the time of renewal of policy against claim-free last year.
4) The aforesaid Varistha Mediclaim Policy was enclosed in the Mediclaim Policy (Individual) brochure, many of the rules/clauses stated in which vastly differs with those of Varistha Mediclaim. This amounts to misguiding the policyholders who are senior citizens and deserves careful guidance. Interestingly, perhaps to avoid accountability the space for stamping the address of policy issuing office on the first page of the aforesaid brochure is left blank.

I want the National Insurance Company to refund the 10% fresh entrants loading it charged 2nd time to me and also the 5% reduction in premiums it did not make as bonus for clam free last year.

The National Insurance company must educate their staff to be more conversant with rules etc of their products.

Non receipt of Insurance amount claimed due to loss of property
Policy number : 100600/81/08/[protected]
1. Burglary detected and lodged complain to Police and informed NIC immediately.
2.NIC agent visited the premise and inspected and assessed loss.
3. NIC told that Police complain is not FIR and hence FIR copy generated with attachment of old diary and submitted.
4. Despite several follow up and genuine case NIC refused to process this claim.

As a common citizen of India, and being a aged woman I am feeling helpless in this situation and extremely disappointed with NIC service and if no action taken in future, I like to spread this news so that this kind of harassment should not occur in future to anybody else. There is no point of going for insurance with NIC if their officers responded in this way.

I shall not continue with NIC in future, if not action is taken with immediate effect.
Thanks and Best Regards,

Subject: Pending claims with M/s. National Insurance Company
Reference: Health Insurance Policy number: 250700/48/08/[protected]
Claim No: NI/INDV/122008/00170833
Claim No. : NI/INDV/32007/00139868
Dear Sir,
We are sorry to request your precious time for matters like these but after more and enough correspondence with M/s.National Insurance company and TPA M/s.E-Meditek Solutions (IRDA License no:007), we are left out with no other option other than seeking your kind help.
The attached email excerpts are documentary evidence of how TPA M/s.E-Meditek makes demands for unnecessary documents, the significance of which are unknown to the Insurance Company as well.
It has been more than 1.5 months for claim no.1 and more than a year for claim no.2 but we are yet to receive compensation in spite of submitting genuine sufficient documents.
Senior officials like Dr.M.C Agarwal (CRM Chief, National Insurance), Mr.K.P Srinivasan (Incharge, Mumbai) have extended support to us at all times but they themselves agree that they have no control over their TPA M/s.E-Meditek .Also, they humbly accept that they are fed up of M/s.E-Meditek as much as the policy holders and they have appointed a new TPA to resolve the problem.
However, unfortunately our above mentioned claims are under M/s.E-Meditek and we haven’t received any compensation till date.
We have tried to contact M/s.E-Meditek number of times through Phone, Email etc. but all in vain.
In fact Mr.K.P Srinivasan was kind enough to give us the Mobile number of Dr.Yashendra ([protected]) but the same was never answered.
We look forward for your kind intervention in order to receive compensation against both our above mentioned claims and monetary compensation against the large amount of precious time, money and energy wasted.
Also, We would like to bring to your notice that we are not the only family suffering due to the behaviour of M/s. E-Meditek but there are hundreds of such other cases against this party lodged on various consumer forums on the internet.
=======================================================================
To: <mc.[protected]@nic.co.in>
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
Date: 01/03/2009 07:55PM
Subject: Troublesome claim procedure
Reference:
Claim No: NI/INDV/122008/00170833
Policy number: 250700/48/08/[protected]
Discrepancy Letter No:EMSL/DISC/122008/00238499
Dear Sir,
This letter refers to the claim lodged on 10/12/08 for the expenses incurred towards the Osteoporosis treatment of Mrs.Sumitra Tekriwal.
We have submitted all documents as demanded in the claim form and completed all procedures as per the guide lines of your company.
In spite of doing the tedious documentation, we have received a letter from M/s.E-Meditek Solutions ( Discrepancy Letter No:EMSL/DISC/122008/[protected] asking for the following:
1.)Past policy details with claim status of last 4 years certified by national insurance
2.)Exact Duration of Osteoporosis Certified by treating doctor
We request you to let us know the following:
1.)Is it our duty to arrange the document asked above in point no.1 or the same shall be sought by the third party directly from National Insurance?
2.)What is the significance of the document demanded in point no.2 mentioned above?
What is meant by duration of osteoporosis?Please elaborate.
This sort of troublesome claim procedures, unnecessarily bothering the customer for documents which have no significance reflects upon the in genuine attitude of the third party M/s.E-Meditek Solutions.
We request you to look into this matter on top priority and do the needful for getting the claim processed avoiding any further trouble and waste of precious time, your's as well as ours.
Best Regards
Manoj Tekriwal
Mobile# +91-[protected]
From: MC.[protected]@nic.co.in
To: [protected]@gmail.com
Cc: PM.[protected]@nic.co.in ; SN.[protected]@nic.co.in ; [protected]@nic.co.in
Sent: Monday, January 05, 2009 9:10 PM
Subject: Fw: Troublesome claim procedure

Mr.Tekriwal,

We thankfully acknowledge your mail asking for reasons for demanding certain information by TPA in order to settle your which has been preferred on us.We do not know whether this policy under which claim is lodged is the first policy or renewal of previous one.However the information intended for is to rule out the possibility of pre-existing disease, which is an exclusion. Thus you will appreciate the same is to facilitate settlement of claim.

As regards to information under item no.1 we are also advising policy issuing office to make their efforts for providing desired information to TPA if they are having all the details of previous years policies. While as information under item 2 is to be provided by you only from a treating Doctor.Duration of disease means the time span of it or in more clear terms when the disease Osteoporosis was first detected/ came in notice.

Copy of this mail is also being forwarded to Regional office I Mumbai under whose control policy issuing office is working with a request to extend all possible cooperation to you in this connection.We hope you will listen from them in due coarse of time or else you may contact them at pm.[protected]@nic.co.in (Mrs.P.M.Vaz) or sn.[protected]@nic.co.in(Mr.S.N.Bhalerao, RM).

We valued your time sir.
With Warm Regards

Dr. M C Agarwal
Chief Manager & CPIO
CRM DEPTT.
National Insurance Co.Ltd.
Head Office, 3, Middleton Street
Kolkata 700071
Ph[protected]D)
fax[protected]
Mobile - [protected]
e-mail mc.[protected]@nic.co.in
Wan[protected]
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: <MC.[protected]@nic.co.in>
Cc: <PM.[protected]@nic.co.in>; <SN.[protected]@nic.co.in>; <[protected]@nic.co.in>
Sent: Tuesday, January 06, 2009 9:12 PM
Subject: Re: Troublesome claim procedure

Mrs.P.M Vaz,
As per telecon with you we anticipate your prompt response regarding the claim processing of the claim lodged on 10-12-08.Please
give us some time while we give you details of our two more claims which are pending.
Best Regards
Aman.M.Tekriwal

From: Anita.[protected]@nic.co.in
To: Aman.M.Tekriwal ; MC.[protected]@nic.co.in ; PM.[protected]@nic.co.in ; SN.[protected]@nic.co.in ; NC.[protected]@nic.co.in
Cc: KP.[protected]@nic.co.in
Sent: Wednesday, January 07, 2009 11:27 AM
Subject: Manoj Tekriwal - Troublesome claim procedure

We have replies to e-meditek the query raised by them on 6.1.2009


REGARDS,
ANITA YADAV (NAGOTHANEKAR)
ADMN. OFFICER(MISC. DEPT)
(DO VII)/250700
NATIONAL INSURANCE CO. LTD.
104. BHARAT HOUSE, MUMBAI SAMACHAR MARG,
MUMBAI 400 023
TEL NO. 22670419/3692
WAN[protected]


[protected]/MBRO-I/NIC wrote: -----
To: K P Srinivasan/MBRO-I/[protected]@NIC, Anita Nagothanekar/MBRO-I/[protected]@NIC
From: 250700/MBRO-I/NIC
Date: 01/07/2009 11:18AM
Subject: Fw: Re: Troublesome claim procedure
RECD FROM H.O
TKS N RGDS
MOHAN IYER
D.O.7, MUMBAI
-----Forwarded by 250700/MBRO-I/NIC on 01/07/2009 11:16AM -----
To: 250700/MBRO-I/[protected]@NIC, P M Vaz/MBRO-I/[protected]@NIC
From: M C Agarwal/HO/NIC
Date: 01/06/2009 09:38PM
cc: S N Bhalerao/MBRO-I/[protected]@NIC, N C Chowdhury/HO/[protected]@NIC
Subject: Fw: Re: Troublesome claim procedure
Dear Sir,
Please take up the issue with TPA for immediate resolution and also to provide past claim experiance and details of any pre-existing disease as required by TPA.
With Warm Regards

Dr. M C Agarwal
Chief Manager & CPIO
CRM DEPTT.
National Insurance Co.Ltd.
Head Office, 3, Middleton Street
Kolkata 700071
Ph[protected]D)
fax[protected]
Mobile - [protected]
e-mail mc.[protected]@nic.co.in
Wan[protected]

-----Forwarded by M C Agarwal/HO/NIC on 01/06/2009 09:34PM -----
To: <MC.[protected]@nic.co.in>
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
Date: 01/05/2009 10:27PM
cc: <PM.[protected]@nic.co.in>, <SN.[protected]@nic.co.in>, <[protected]@nic.co.in>
Subject: Re: Troublesome claim procedure
Dear Mr.Agarwal,
Thank you for your courtesy and prompt response.As per information required by you,
1.)Policy is a renewal policy and not a new policy
2.)As for duration of osteoporosis, we have spoken to the third party but surprisingly meaning explained by you and the third party is different.Which one do we consider to be correct?
As per your explanation, it means the time span when osteoporosis was detected and as per the third parties explanation, the time span of the treatment.
Another interesting fact is that both of the above requirements are clearly evident from the submitted documents.I hope you will agree that your tpa is doing nothing else but wasting yours, ours and senior Doctors precious time by demanding such insignificant papers.
If these sort of things are not corrected in the prima facie stage, they will continue to make the system inefficient resulting in nothing else but decreased productivity and waste of precious time.
Best Regards
Aman.M.Tekriwal
From: Aman.M.Tekriwal
To: Anita.[protected]@nic.co.in
Sent: Wednesday, January 07, 2009 7:46 PM
Subject: Re: Manoj Tekriwal - Troublesome claim procedure

In how much time will we get the cheque?
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: <Anita.[protected]@nic.co.in>
Sent: Saturday, January 10, 2009 11:27 AM
Subject: Re: Manoj Tekriwal - Troublesome claim procedure

Dear Ms.Anita Yadav,
This refers to telecon with you on 10/01/09.We had visited the doctor owing to the pain from which Mrs.Sumitradevi Tekriwal was
suffering since 5-6 days before 24/10/08.On 24/10/08 osteoporosis was detected which is clearly evident from the bone density report
submitted to M/s.E-Meditek.The report clearly states that a T score of less than equal to -2.5 S.D is osteoporosis.
Best Regards
Manoj Tekriwal
To: <Anita.[protected]@nic.co.in>, <MC.[protected]@nic.co.in>, <PM.[protected]@nic.co.in>, <SN.[protected]@nic.co.in>, <NC.[protected]@nic.co.in>
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
Date: 01/12/2009 07:15PM
cc: <KP.[protected]@nic.co.in>
Subject: Re: Manoj Tekriwal - Troublesome claim procedure
We are waiting for your reply.We are in severe need of money.Please send the cheque asap.
Best Regards
Manoj Tekriwal
From: KP.[protected]@nic.co.in
To: [protected]@emeditek.com
Cc: Anita.[protected]@nic.co.in ; MC.[protected]@nic.co.in ; PM.[protected]@nic.co.in ; SN.[protected]@nic.co.in ; NC.[protected]@nic.co.in ; KP.[protected]@nic.co.in ; Aman.M.Tekriwal
Sent: Tuesday, January 13, 2009 3:25 PM
Subject: Manoj Tekriwal - Troublesome claim procedure

Dr Yash,

Kindly release this payment on priority basis, if requirements are complied with.

- regards,
K. Prasanna Srinivasan
Manager,
National Insurance Co Ltd
Mumbai DO[protected]
Phone[protected]
Fax[protected]
email KP.[protected]@nic.co.in
To: <KP.[protected]@nic.co.in>
From: "Dr. Yashendra" <[protected]@emeditek.com>
Date: 01/16/2009 10:04AM
cc: <Anita.[protected]@nic.co.in>, <MC.[protected]@nic.co.in>, <PM.[protected]@nic.co.in>, <SN.[protected]@nic.co.in>, <NC.[protected]@nic.co.in>, "'Aman.M.Tekriwal'" <[protected]@gmail.com>
Subject: RE: Manoj Tekriwal - Troublesome claim procedure
Dear Sir,

The below case is approved and is in float bill no 183.

Regards,
Dr. Yashendra
From: MC.[protected]@nic.co.in
To: [protected]@gmail.com
Sent: Sunday, January 18, 2009 6:08 PM
Subject: Fw: RE: Manoj Tekriwal - Troublesome claim procedure

Mr.Tekriwal,

As aware your claim has been approved and payment would reach to you shortly.Please bear with us.
With Warm Regards

Dr. M C Agarwal
Chief Manager & CPIO
CRM DEPTT.
National Insurance Co.Ltd.
Head Office, 3, Middleton Street
Kolkata 700071
Ph[protected]D)
fax[protected]
Mobile - [protected]
e-mail mc.[protected]@nic.co.in
Wan[protected]










----- Original Message -----
From: PM.[protected]@nic.co.in
To: Aman.M.Tekriwal
Sent: Friday, January 23, 2009 1:14 PM
Subject: Re: Manoj Tekriwal - Troublesome claim procedure

Dear Sir

We are in receipt o[censored]r mail and have taken up the matter with our TPA emeditek and they have conformed that it has been approved and is placed under float bill no.183 u may get ur cheque after 10 -15 days.





Prescilla M Vaz
A.O. (CSD)
MBRO-I
e-mail: PM.[protected]@nic.co.in
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: <PM.[protected]@nic.co.in>
Sent: Friday, January 23, 2009 3:56 PM
Subject: Re: Manoj Tekriwal - Troublesome claim procedure
Page 1 of 1
2/7/2009
Dear Madam,
Greetings of the day ! After approval why does it take 10-15 days to send the cheque.FYI private companies like reliance are able to successfully close the entire case after submitting the claim within 10 working days maximum(including receipt of cheque).
Best Regards
Manoj Tekriwal
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: "Dr. Yashendra" <[protected]@emeditek.com>; <KP.[protected]@nic.co.in>
Cc: <Anita.[protected]@nic.co.in>; <MC.[protected]@nic.co.in>; <PM.[protected]@nic.co.in>; <SN.[protected]@nic.co.in>;
<NC.[protected]@nic.co.in>
Sent: Sunday, January 25, 2009 2:46 PM
Subject: Re: Manoj Tekriwal - Troublesome claim procedure

Dear Sirs/Madam,
Following are the details of our one more past claim which is pending, we believe that with your efficient intervention the same can be resolved.
Claim No. : NI/INDV/32007/00139868
Policy number: 250700/48/06/[protected]
Anticipating your prompt response
Best Regards
Manoj Tekriwal





From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: <Anita.[protected]@nic.co.in>
Sent: Tuesday, January 27, 2009 1:55 PM
Subject: Re: RE: Manoj Tekriwal - Troublesome claim procedure
Payment for claim approved(Float bill no.183) not received till date.More than 1.5 months have passed after filing the claim.Is this your normal processing time?

Best Regards
Manoj Tekriwal
From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: <MC.[protected]@nic.co.in>
Cc: <Anita.[protected]@nic.co.in>
Sent: Wednesday, January 28, 2009 7:49 PM
Subject: Fw: RE: Manoj Tekriwal - Troublesome claim procedure
Dear Sir,
We request you to please release our payment as we have mentioned earlier about we being in need of money.You will appreciate our patience i.e 48 days have already passed by after the claim was received by TPA.I hope you understand our situation, we have already given detail about one more past pending claim to Ms.Anita.Total amount due approximately > 50000.How can middle class people wait for so long for expenses they have already incurred plus premiums which are paid every annum.Poor people will gradually start loosing faith in insurance.Have we ever delayed payment of premium by a single day? Why this kind of treatment with us?
Best Regards
Manoj Tekriwal
From: KP.[protected]@nic.co.in
To: Dr. Yashendra
Cc: 'Aman.M.Tekriwal' ; SC.[protected]@nic.co.in ; Anita.[protected]@nic.co.in ; MC.[protected]@nic.co.in
Sent: Thursday, January 29, 2009 11:33 AM
Subject: Mediclaim - Sri Manoj Tekriwal

Dear Dr Yash,
Considering the financial difficulties faced by the claimant ( pl see the appended mail ), we would request you to make arrangement to kindly release this payment on priority basis from the next float payment and not to wait untill float no 183.
- regards,
K. Prasanna Srinivasan
Manager, National Insurance Co Ltd Mumbai DO[protected]
Phone[protected]
Fax[protected]
email KP.[protected]@nic.co.in



From: "Aman Tekriwal" <[protected]@gmail.com>
To: <MC.[protected]@nic.co.in>
Cc: <KP.[protected]@nic.co.in>
Sent: Sunday, February 01, 2009 10:29 AM
Subject: Re:Mediclaim-Shri Manoj Tekriwal

Dear Dr.MC Agarwal,
Please refer to the appended email.In spite of clear instructions from senior officials like Mr.K.Prasanna Srinivasan from your
company, TPA E-Meditek does not respond.The fact that they have a habit of harassing customers by demanding unnecessary
documents was already known but now it seems they have a similar attitude towards the insurance company.
Also Ms.Anita Nagothanekar(Yadav) at your Mumbai branch is not at all bothered to respond to the customer.I have given her
details of my past pending claim(other than the one in discussion) as mentioned below
Claim No. : NI/INDV/32007/00139868
Policy number: 250700/48/06/[protected] but she never bothered to reply.
I am sorry to mention but private companies like ICICI lombard, Reliance general are able to dispatch the cheque within 2 weeks of
claim submission, they have cashless tie-ups with the best of the hospitals, and their staff is highly customer responsive.
However I shall appreciate once again, the prompt response and customer responsive attitude reflected from your way of
working as an individual, but I am sorry to say that the same is no where visible in your staff.
Best Regards
Manoj Tekriwal
From: MC.[protected]@nic.co.in
To: [protected]@gmail.com
Sent: Sunday, February 01, 2009 9:57 PM
Subject: Re:Mediclaim-Shri Manoj Tekriwal

Dear Mr.Tekriwal,

We have already taken up the matter of releasing of your claim cheque with our RO as well as TPA.Once claim is approved payment would be released soon, there is matter of time but without any scope of any sort of harassment, whatsoever.Please bear with us.
With Warm Regards

Dr. M C Agarwal
Chief Manager & CPIO
CRM DEPTT.
National Insurance Co.Ltd.
Head Office, 3, Middleton Street
Kolkata 700071
Ph[protected]D)
fax[protected]
Mobile - [protected]
e-mail mc.[protected]@nic.co.in
Wan[protected]






From: "Aman.M.Tekriwal" <[protected]@gmail.com>
To: <KP.[protected]@nic.co.in>
Cc: <MC.[protected]@nic.co.in>
Sent: Friday, February 06, 2009 5:59 PM
Subject: Claim
Reference:
Claim#
1.) NI/INDV/32007/00139868
2.) NI/INDV/122008/00170833
Dear Mr.Srinivasan,
Greetings of the day !After exchanging 15-20 emails, It was a pleasure talking to you on 06/02/2008.
The conclusions I have derived out of the conversation are as follows:
1.)The payment against the claim which is to be funded by National Insurance is at TPA's discretion.
2.)Ours is not the only case, but there are a large number of people who are facing problems with M/s.EMeditek
3.)National Insurance has decided to go for a new TPA for the new and the renewed policies.
We strongly believe that every penny paid by us to National Insurance as premium was hard earned and all the claims
requested by us till date were/are very genuine.Also we are confident that honesty is an integral part of New
India's organizational culture.
But, the fact remains that TPA M/s.E-Meditek is taking us all for a ride.We thank you for giving us contact
details of M/s.E-meditek, but as informed by you well in advance, they do not respond to telephone
calls/emails.
A lot of time, money, energy has already been wasted at both ends.Also, while purchasing the policy, we had
taken into consideration National Insurances reputation and not E-Meditek.In order to close this asap we propose the
following:
1.) National Insurance to directly pay us for both our pending claims over ruling all inefficient
procedures, documentation within 7 working days.
2.)If required National Insurance can do an in-house reassessment of the claim to confirm genuinity.
3.)We shall refund immediately any double payment if received from E-Meditek
Please take your time and let us know your decision within a working day.Incase we do not receive your
response, we will be forced to take up the matter with Mr.Vashisht(Insurance ombudsman) for Maharashtra.
Best Regards
Manoj Tekriwal

above mentioned policy a cliam no.[protected] is reject due to not fulfil the some malafied intetions of the officer in charge. He is saying that the location of the machinery is Khanpur and claim under only here is covered. it is 100% wrong. The Khanpur is the location of my Office. How is it possible that the machinery under CPM lacated only office location.

dear sir,
mera namm govind agarwal hai, mera nokia ka showroom hai NOKIA PRIORITY DEALER, ye katihar bihar me hai, maine allahabad bank katihar se 20 lakhs ka load liya hua hai aur maine bahut mehnat se apna showroom chalaya aur maine NATIONAL INSURANCE COMPANY LTD se apne hypo bank allahabad bank ke through jo ki unka corprate agent bhi hai unse apne shop ka insurance karwaya tha aur hamare showroom me 16th of oct ki raat ko bahut badi chori ho gayi, ab main puri tarah se karz me dhuba hua hu, aur mera sirf aur sirf ek insurance company par hi umid thiki hui hai aur agar mera shop ka insurance nahi hua rahta to main kab ka marr gaya hota aur aaj aapko ye complain nahi likh raha hota lekin maine suna hai ki innsurance wale logo ko chappale ghisha dete hai, ab mera prroblem ye hai ki mujhe nahi malum ki mujhe mera insurance ka paisa kab milega uar jab milega tab tak bahut der ho chuki hogi kyuki mera bank se loan liya hua hai aur uske har mahine 20 22 thousand intrest lagta hai jo ki mere takat nahi hai ki main use pay karo aur upar se main bihar me hu to ek businessman ki hasiyat se janta hu ki yaha bihar me rahh kar kitni taklif au kaise kaise logo ka saamna padhta hai, aur ab ye insurance wale kabhi ye paper lao kabhi wo paper lao aur main itna padha likha hu nahi bas knowlegde achi hai to maine bisiness kar liya ye batt to pakki hai ki chori hui hai mera dono laptops bhi chori ho gaya tha aur police ki maherbani se mujhe mera dono laptops aur 34 pcs mobile aur 50 thousands rupya bhi recovery hua hai ab main kya karo aur kya na karo mujhe apne insurance ke paise jald se jald dilwane ka kripa kare,


aapka desh ka ek citizen
mera mobile no. [protected], [protected] hai
agar aapko kuchpuchna hu to plese contact me

dear sir,
mera namm govind agarwal hai, mera nokia ka showroom hai NOKIA PRIORITY DEALER, ye katihar bihar me hai, maine allahabad bank katihar se 20 lakhs ka load liya hua hai aur maine bahut mehnat se apna showroom chalaya aur maine NATIONAL INSURANCE COMPANY LTD se apne hypo bank allahabad bank ke through jo ki unka corprate agent bhi hai unse apne shop ka insurance karwaya tha aur hamare showroom me 16th of oct ki raat ko bahut badi chori ho gayi, ab main puri tarah se karz me dhuba hua hu, aur mera sirf aur sirf ek insurance company par hi umid thiki hui hai aur agar mera shop ka insurance nahi hua rahta to main kab ka marr gaya hota aur aaj aapko ye complain nahi likh raha hota lekin maine suna hai ki innsurance wale logo ko chappale ghisha dete hai, ab mera prroblem ye hai ki mujhe nahi malum ki mujhe mera insurance ka paisa kab milega uar jab milega tab tak bahut der ho chuki hogi kyuki mera bank se loan liya hua hai aur uske har mahine 20 22 thousand intrest lagta hai jo ki mere takat nahi hai ki main use pay karo aur upar se main bihar me hu to ek businessman ki hasiyat se janta hu ki yaha bihar me rahh kar kitni taklif au kaise kaise logo ka saamna padhta hai, aur ab ye insurance wale kabhi ye paper lao kabhi wo paper lao aur main itna padha likha hu nahi bas knowlegde achi hai to maine bisiness kar liya ye batt to pakki hai ki chori hui hai mera dono laptops bhi chori ho gaya tha aur police ki maherbani se mujhe mera dono laptops aur 34 pcs mobile aur 50 thousands rupya bhi recovery hua hai ab main kya karo aur kya na karo mujhe apne insurance ke paise jald se jald dilwane ka kripa kare,


aapka desh ka ek citizen
mera mobile no. [protected], [protected] hai
agar aapko kuchpuchna hu to plese contact me

Respected sir,

I am having an insurance policy of national insurance co. for my bike bajaj pulsar. my bike is stolen in the may '08. Despite repeated contact with the company, no action has been taken regarding the claim of money. kindly look into the matter and take necessary action.

company: national insurance co. ltd.
Policy No.321401/31/07/[protected]
Name of the insured: Dr. S.C. Agarwal
Period of insurance from: 09/07/2007 to 08/07/2008
Automobile no. MP06 HA 3259. Bajaj Pulsar
Claim No. 31/08/[protected]

Dr. SC Agarwal
Dr. Ashish

Dear Sir
>I filed claim for my Bike Bajaj Pulsar(U P 15 R0917) on 30-06-08. I have submitted all the required documents but i have not heard anything from the claim department. I have visited the Delhi office thrice for it but not able to find any information on it. The staff is not at all cooperative. I would request you please look into this matter as soon as possible.
>Thanks
>Amit Gupta

My Cl No. 708893 For Rs. 16636/-
I Sanjay Kumar Singh s/o Sh Surender Singh R/o D-551, Rishi Nagar Rani Bagh Delhi -110034, Submit The All Relevent Documents To Emeditek Solution Ltd orgenised by National Insurance co ltd on dated 25/09/2007 But Company Not Given the Amount of Claim Till Date

Ref:
1. Our Intimation dated 29th January 2008
2. Our bill dated 29th February enclosing all documents
3. Our reminders: 28th April 2008, 27th May 2008

Dear Sir,

With a heavy heart I have to submit before you the following facts for your kind consideration and immediate redressal

I submitted a bill in the name of my wife Mrs. Mousumi Majumdar who had undergone treatment in Ramakrishna Mission Seba Prathisthan, 99, Sarat Bose Road, Kolkata- 700026 during 29th Jan 2008 to 5th Feb. 2008 along with all necessary documents. All my efforts to get the payment or a reply has failed. Even when I wanted to talk to the divisional manager, (Division XIV) Mr. Konar, he was so rude over the telephone that dialogue could not be completed.

As the bill has remained pending for nearly six months I would request you to kindly see that I get the payment within the next couple of weeks. Otherwise I will be left with no alternative but to approach the next competent authority including Insurance Ombudsman.


Thanking you,

Yours truly,


Mr. Samar Majumdar.
(Mob: [protected])