United India Insurance Company Limited/individual Health Insurance Policy-2009 — non-intimation of lapse of policy in time

Address:

Coimbatore, Tamil Nadu

I had a Individual Health Insurance Policy-2009 with United India Insurance Company Litd (policy number 170303/48/10/97/00002124. I have given a cheque for the premium pertaining to the above policy on dtd 20/01/2011 and the said cheque was dishonoured by the banker due to insufficient fund which I came to know only after getting the intimation from the Insurance company on 08th March 2011 thru their intimation letter dtd 07/03/2011.
I have been denied my right to make the cash payment to keep the policy live, within 15 days from the date of expiring the date of commencement of policy due to the delay in sending their information in time.

Last 2 consequent years I have been taking the same policies from the same company without any claims so far. Due to the delay in sending their policy lapse intimation in time, I am loosing the 3rd year benifts against the above policy

Kindly advise me how to go about for getting the relief from the above compnay

D Damodaran