Icici Lombard — non receipt of my premium refund

Address:

New Delhi, Delhi, 110112

I am having health insurance policy no 4128i/hp/[protected]/00/000 since may 2008. Last year i got it renewed for 2 years and paid rs 37866 through icici bank credit card on emi basis.
In aug 2017 due to tax purposes i requested mr nishant mittal of icici lombard moti nagar delhi to convert my policy from 2 years to year. The policy as per the latest records was changed in nov 2016 without refunding me the difference amount of my premium. I did not receive any call or email for the refund of my amount. Since then i am paying my emi and intt on the full premium amount.

This time in july last week i received call from icici that my policy was due for renewal and at that time i came to know that my refund of rs 16401 is still lying with icici lombard.
I want to comlaint that why icici lombard has kept this money with them for so long and not credited to my icici credit card from where the funds were credited to them.
I have been paying intt. On this amount to icici credit card and as the amount was lying with you i have also lost intt. On it. I request that intt. Charged by icici credit card and for the period funds were lying with you be credited to me.
I am really surprised how can a company like you keep the funds in your account and not reconcile your books.