ICICI Prudential Life Insurance — Policy Revival Denial

Have been holding the ICICI Pru iProtect Smart life insurance policy for the last five years. The policy was running continuously and in good standing. Unfortunately, due to one missed premium payment, the policy lapsed. Immediately thereafter, I paid the due premium and applied for revival as per the policy terms.
As part of the revival process, the insurance company required medical tests through its own empanelled diagnostic centre. I fully cooperated and underwent all the tests as instructed, including blood tests, resting ECG, and a Treadmill Test. All laboratory investigations and routine medical reports were found to be normal. The Treadmill Test report itself records a normal or negative conclusion, and no disease was diagnosed. No treatment, medication, or referral was advised by the examining doctor.
Despite all reports being normal, the insurance company informed me that revival of my policy is “postponed till fully treated” due to “changes in Treadmill Test.” However, the company has failed to clearly communicate what exact abnormality exists, what disease has been diagnosed, what treatment is required, or the time period for which the policy revival is postponed.
This communication is vague, misleading, and arbitrary. When all medical reports are normal and no treatment is advised by any doctor, the statement “postponed till fully treated” is meaningless and impossible to comply with. A policyholder cannot be expected to undergo treatment when no illness exists and no treatment has been prescribed.
Further, the insurance company has not provided any specific timeline for postponement or any clear criteria for reconsideration, effectively resulting in an indefinite denial of policy revival. This defeats the very purpose of revival provisions and causes mental harassment and financial insecurity to a long-standing customer.
I submit that denying revival of a five-year-old policy for one missed payment, despite normal medical reports, without clear reasons or transparent communication, amounts to deficiency in service and unfair practice.
I respectfully request the Honorable Forum to direct the insurance company to either revive my policy immediately or issue a clear, reasoned, and specific written justification supported by medical evidence, and to grant appropriate relief for the hardship caused.