Oriental Insurance Company — Overseas travel insurance

Address:	Rajkot, Gujarat, 360005
Website:	orienatal

I want to go abroad for 360 days.i approached oriental insurance for overseas travel insurance.but they told me they can give only for 180 days and they will extend it for another 180 days provided you are fit and you have not made any claim in first 180 days.according to them I have to pay premium for 180 days but I cannot claim if I fall sick.i do not understand logic behind this. again if I want to extend for another 180 days then I have to pay premium 50% more than what I paid for first 180 days.why such things?since last 3 years I am trying to resolve this issue irda is not taking any action.