[Resolved]  Varistha Mediclaim Of National Insurance Company Ltd — Discrepancies in premiums at renewal

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.