New India Assurance — Wrongfully claim repudiation

Address:Surat, Gujarat, 395006

Tpa (Health india) repudiated my claim citing reason policy clause 4.3.1 which describes "all internal and external benign tumours, cysts, polyps of any kind will be covered after 2 years"

In april, 2016, my son, age 1 year was admitted with high fever above 100f and blood hb count of 6%. I paid more than rs. 14000 in medicines and hospital bills of 5-6 days.

Doctor reported "acute tonsillitis with anemia". On word "tonsillitis" they are repudiating my claim.

Doctor's view is that acute tonsillitis is not tumours, cysts or polyps. It is a severe type of infection. Even classification of disease by who proves him right. After repeated explaination by doctor, tpa is not rewarding my claim.

Should i wait 2 years for treatment of an infection which is not benign?

I am searching for ngo who can help me prove my doctor's view and can help me get my claim settle.
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