[Resolved]  Icici Lombard — Bharti AXA health insurance changed to ICICI lombard after merger

I was informed that my Smart health optimum policy by BhartiAXA (ESC/Q0129050/2C/10) is changed to ICICI Lombard insurance policy
(4190i/SHIPV/[protected]/00/000) but it will have the same benefits with an increased premium as approved by IRDAI.
The premium increased by more than 100% (from 4112 in 2020 to 8771 in 2021 to 9816 in 2022)
My benefits under the Smart health optimum policy had 5 lacs additional insurance for critical illness - attached policy wording from IRDAI website. I had opted for the 'optimum' benefit which was an additional benefit for Bharti AXA for Smart health optimum policy right from the start. I was told during the merger that the benefits will remain the same but ICICI Lombard is charging more premium which is somehow approved by IRDA. So I agreed to pay the 100% more premium.
Last year ICICI Lombard bombarded with reminder email in September 2021 for increase payment of premium with just a payment link of 8771. I request for a electronic policy document which they sent only in April 2022.
In September 2022 they sent a payment link of 9816. I kept my policy so that I can enjoy the same benefit. I have never made any claim since I bought the policy from Bharti AXA in 2016.
Now I hear that they have changed my policy benefits without informing the me. the response they shared
"With reference to your e-mail regarding request number: [protected], please be informed that SHIP policy expiring 12th April onwards has been withdrawn and migrated to SSHIP with Sum Incured - 5Lacs."

Now when I ask them to cover me for the critical illness which was part of my original policy with Bharti AXA since 2016 they are asking for an increase premium of 13, 313. This is a breach of consumer trust.

I didnot expect such sketchy proceedings from a respected company like ICICI.

Last two times ICICI Lombard has been sending payment links for premium payment on email and reminders everyday but they don't bother to send the clarification or policy wordings/ benefits for which they are asking for payment.
It feel like they are robbing the customer and this is some kind of scam.