[Resolved]  Reliance General Insurance — Charging me for a null and void policy

Address:	560102
Website:	www.reliancegeneral.co.in

This is regarding the policy [protected] which i bought for my father xxx on 12 feb 2017.

My father was supposed to come back on 12th june, 2017 and i had bought the original policy document for this duration. On june 10th 2017, we got his stay extended to 12th august 2017.

I thus reached to the reliance call center and subsequently to mr. Narsimha from btm layout branch. On the call he asked to me get the required documentation done for extension of policy. When he went through the policy he told me that although i have provided all required information in the policy, there is a chance that original policy can be made null and void, which he later confirmed as well.

Although, i have not received any formal communication from the office on this, i learnt from him that it is because of me not selection an option of presence of cardiac diseases but mentioning about stent installation in the policy. To this i have following points

1) i would like to tell you here that in i could not find description to cardiac diseases anywhere on the page on which i was booking the policy. Additionally, i thought that stent installation is not a cardiac disease but a disease related to arteries. I am neither a person with deep understanding of insurance nor someone with degree in medicine but my limited understanding told me this.

2) if the policy is null and void and my father was not insured through out the duration, i request you to refund my money back as the premium is charged against insurance. If there was no insurance anyway, then for what i am charged a premium for. I cannot suffer both ways. I should not be paying money for null and void policy.

3) as i understand, although is an online sale, it is a responsibility of the company selling insurance to make sure customer understand the entire form correctly and fill in the details properly. From my side, i had no intention to hide any information. So if you guys are recording and agreeing to information provided by me then, it should be honoured as well. If the company thinks it is not in the position to honor the agreement/ policy, then my money should be refunded back. Also i would like to understand, why there is no one who double checks the information provided in the document.

If the company still considers the policy to be null and void, then please refund my money back for this policy. Or else please take measures to extend. I am writing this letter in full faith to the company. Please do justice with my request. It is our hard earned money and a company as big as reliance should honour hard earned money,