[Resolved]  Reliance Insurance — non renewal of the policy

My policy not renewed for the 3rd year[protected] and inspite of several mails sent to the company's mail id services.[protected]@relianceada.com on 6th July, 9th, 10th, 13th, 15th and 18th there is no response. I am deprived of the benefits that I am eligible from 3rd year. The following is the text of the detailes furnished to the company on 6.7.09.



RELIANCE MEDICAL INSURANCE - PNB AROGYA SHREE SCHEME

Name of the insured – VIDYADHARI.M.

Master policy number – [protected]

Certificate number –[protected]

Joined the scheme in 2007-08

Renewed for the year 2008-09 through cheque of PNB, T.Nagar, Chennai, no-340722.

I had joined the scheme as a customer of PNB, T.Nagar, Chennai. The second year renewal cheque was collected by Mr.R.Vinod, cell phone [protected] in June 2008. Regarding the renewal for the third year, I contacted Mr.Vinod over his cell, but he could not be reached (I came to know later that he had resigned). When I contacted the PNB, T.Nagar branch the Bank said that I should contact only Reliance Insurance. Not knowing whom to contact in Chennai for the renewal of my insurance, I contacted the help line on 25.6.09 and explained the situation. I was assured that the representative of the company would meet me within 72 hours. The request number of my helpline discussion is 1560. I got a phone call on Friday, 26.6.09 from the phone [protected] and the person said he would send the representative on Sturday . As nobody turned up on that day, I contacted this gentleman on the above referred cell phone on Monday, 29.6.09, he said the representative was held up at some other place but would meet me in a day. On 30.6.09 I went to the Reliance Insurance Company office at Reliance house, Haddows road, Nunagambakkam, Chennai. I met Mr.Srinivasan and then only I came to know that my file was being dealt with by your Anna Nagar Branch. In presence of Mr.Srinivasan, I talked to Mr.Kamaraj of Anna Nagar branch over the phone [protected]/42946522. He said he would send his representative. The representative came on 1.7.09 and looked into our ID card, noted down the details. He said he would call on 2.7.09 with details of the renewal amount and collect the cheque. When I phoned Mr.Kamaraj on 2.7.09, I was told by him that my policy had lapsed.

I fail to understand why my policy should lapse, when the concerned branch did not send me the renewal notice or informed me over phone or made arrangements to collect the cheque as they did last year. It is not clear why my policy shall lapse for no fault of mine as I was ready to pay the renewal fee but was not knowing where to pay. I also fail to understand why the Bank in whose name the scheme was launched, was not ready to take the renewal fee. Should there not be a provision to pay through the Bank as that Bank was only instrumental in joining me in the scheme. It is not clear why the representative from Anna Nagar branch shall note the details from our ID card, when these details should be available with them. Why renewal notice was not sent? I am surprised to face this sort of situation in the 3rd year of the policy from such a reputed Company. I still believe that the concerned authority will look into this matter and arrange to collect my renewal fee. I shall not definetely like to loose my benefits that start only from 3rd year.

M.Sivashankar – h/o. M.VIDYADHARI