[Resolved]  Reliance General Insurance / Health Wise Gold Policy — Claim Denied

Address:

Panipat, Haryana

Dear Sir,

You have given the reason that the policy has been started from year 2008 but in actual policy has been started from 2007 with policy no.[protected] . Please look in to the case accordingly as per your GOLD POLICY all the pre-existing disease will be covered from the third year.

Regards
Kapil Kumar
H. No. 107, Shanti Nagar
Panipat-132103


--- On Mon, 29/3/10, Reliance General Insurance Company Limited <services.[protected]@relianceada.com> wrote:

From: Reliance General Insurance Company Limited <services.[protected]@relianceada.com>
Subject: Re: Regarding claim in policy no.[protected]Case ID:[protected]
To: "Mr. Kapil Kumar" <[protected]@ymail.com>
Date: Monday, 29 March, 2010, 10:24 AM

Dear Mr. Kumar,


We apologize for the delay in our response.

We would like to inform you that, your health claim has been denied, On perusal of the claim documents it is found that patient was admitted ENT Hospital on 09/04/09, diagnosed as DNS left with spur ITH and has undergone septoplasty and partial turbinectomy for the same.

Further, as this is the second year of policy coverage declared by insured in the claim form and inception of the policy is from 26/03/2008 and from the discharge summary of ENT Hospital it is clearly evident that patient is complaining of recurrent cold and sneezing since 1 year. Therefore, this particular ailment is found to be present prior to the inception of policy and going beyond the coverage of present policy.

However, we regret our inability to admit this liability under the present policy conditions.
Hence, claim is being repudiated under policy exclusion clause 1 and condition 2 of above-mentioned policy. We also reserve the right to repudiate the claim under any other ground/s available to us subsequently.


We also reserve the right to repudiate the claim under any other ground/s available to us subsequently.

For any further queries, please feel free to contact us at our toll free number[protected] or[protected]local charges) for any further help.

Thank you for choosing to write to us.


Yours Sincerely,
Customer Service Unit.
Reliance General Insurance Co. Ltd.


[protected]Original Message[protected]

Subject: Re: Regarding claim in policy no.[protected]

Dear Sir,

We have received your response for the service request no. 01045453 yet. Please give the satisfactory reply.

Regards
Kapil Kumar
H. No. 107, Shanti Nagar
Panipat-132103


--- On Sat, 20/3/10, Reliance Genaral Insurance Company Limited wrote:

From: Reliance Genaral Insurance Company Limited
Subject: Re: Regarding claim in policy no.[protected]
To: "[protected]@ymail.com"
Date: Saturday, 20 March, 2010, 12:34 PM

Dear Customer,

Thank you for writing to Reliance General Insurance Customer Service Unit, we value our relationship with you.
We will attend to your mail promptly and revert to you within seven (7) working days .Your service request no. is 01045453 , kindly refer to the service request number for any further communications or query.

Register yourself on our website www.reliancegeneral.co.in for managing your policy account online and to know more about our online services.

If you need any further assistance please feel free to contact us on our Toll free number[protected] Or[protected]Local rates only) our customer service executive will be glad to assist you.
Assuring you of our best service always.

Yours Sincerely,
Customer Service Team
Reliance General Insurance Company Limited