[Resolved]  Royal Sundaram Alliance Insurance Co. Ltd. — Claim for Health Insurance

Address:

Chennai, Tamil Nadu

On 30th July 2011, I have bought for the “Health Shield Standard Insurance” of Floater Sum Insured of Rs. 2,00,000.00 for self and my family members. This policy is bought over the phone, for which I have got three calls from Royal Sundaram and their details are mentioned below..
Caller No: 1 - On 29th July 2011, I received a Tele-Marketing call from Mr. Shanmugam regarding “Health Shield Standard Insurance”, during the call Mr. Shanmugam has explained me the policy details and I have cl arified my doubts too, in which I have asked regarding the “Laser Eye – Power correction” surgery, for which he confirmed that this surgery is under the policy cover.
Caller No: 2 - On 29th July 2011, Got a call from Mr. Ramesh and Mr. Shanmugam on conference confirming the policy details, in which I have clarified the coverage “Laser Eye Treatment – Power correction” surgery, for which Mr. Shanmugam has confirmed that all the Eye Laser treatment is under this policy cover.
Caller No: 3 – On 29th July 2011, got a call for the policy payment Rs. 6216.00/- through my Credit card.
All the above mentioned calls are recorded and stored as voice log with Royal Sundaram. Kindly Refer.
Request you to kindly go through the voice log had with Mr. Shanmugam stating that "Any Eye-Laser" treatment is covered under this policy. Based on their confirmation, I have brought this Policy and taken the leave from my office after a long struggle and under gone the treat ment on 20th February 2012, but now the company is diverging me. Please find the below email statement from them with very vague reply mentioning policy is not under cover.
Request you to kindly limelight this issue i.e., while taking policy verbal communication and terms and condition in the policy are conflicting, its really a big question, how come company like this are under IRDA regulation. Giving commitment to the customers and later sticking to the terms and conditions.
Big Question:
Tele marketing executive would have aware that these call are getting recorded and policy are sold under the IRDA regulations, in spite of this, how come this could happen by providing the commitment. Big question? Who is responsible for this commitment, when I have made them very clear that I have taken this policy for the eye surgery?


Thanks & Regards,
Abdul Samad. S