Respected Sir / Madam,
I am writing to lodge a formal complaint against Reliance General Insurance (RGI) for the unjust rejection of my medical claim number[protected].
I had taken a health insurance policy from RGI and had been paying my premiums regularly. However, when I filed a claim for reimbursement of Rs. 28401 for a necessary cancer surgery of my wife, it was denied on the grounds of alleged non-disclosure of a pre-existing condition.
I would like to clarify that the ulcer on my wife's tongue, which was present two years ago, was a separate issue that healed over time. The diagnosis of tongue cancer (Carcinoma of the right lateral border of the tongue, CT2B N1M0) was a new development that significantly worsened in December 2024, leading to her official diagnosis on January 20, 2025, at the Post Graduate Institute (PGI) Chandigarh. Therefore, there was no misrepresentation or non-disclosure of any material fact by me during the policy inception.
Despite providing all necessary documents and clarifications, my claim was unjustly denied. This has caused me significant distress and financial strain.
In light of these circumstances, I have requested RGI to cancel my policy with immediate effect and refund my renewal premium amounting to Rs 14551, that I paid on March 19, 2024. However, I have not received any satisfactory response from them.
I am now seeking your intervention in this matter. I believe that the court will provide an impartial judgment on this matter. I hope that this complaint will prompt a thorough investigation into the practices of RGI and ensure that consumers' rights are protected.
Sincerely,
Hari Om Phone:
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