Oriental Insurance Company — claim settlement

Address:

110076

My wife was insured with oriental since 1993. She fell sick in november 2017 and was hospitalised for 6 days initially and for a month thereafter. Claim for the first sickness was partially met. Rs 40k against hospital bill of rs 140k. The second bill was for rs 780k. Claim submitted on january 1, 2018 is being stalled on one pretext or the other.
The insurance company has unilaterally with no claim bonus, medical test fees every four years and is applying the rules of group insurance to our claims while our policy is individual policy and the premium is almost five times the premium for equivalent coverage.
Reimburshment of claim towardsw the policy number 272101/48/2018/1302 a/c mrs neetu sandhir[protected]