National Insurance Company — denial of pre authorisation request

Address:

110030

Dear sir/madam
Mediclaim policy number 361800/48/17/[protected] and tpa health card number nic-ihi[protected]
Our policy has been continued in your company and we are paying our premium from last 3 years without any interruption. Now a deniel letter i received from max hospital today stating that you can’t avail any kind of cashless claim for the disease which arises due to alcohol/tobacco consumption. What we can do if any diseases occurs at any time, as we are human, it’s a natural thing that anyone could have any type of disease at any time, we can’t change our destiny or you can say future that’s why a person opt for a health insurance. Do you have any answer for that. I need an answer asap within 24hrs other wise i will discontinue our family policy and will take a legal action for that.
Thanks,
Luvnish rana
[protected]