United India Insurance Company [UIIC] Complaints & Reviews

Frankfinn is one of the regular customer o[censored]nited India Insurance Company and have give them tremendous amount of business year after year by taking their various insurance policies, viz. Car Insurance, Office, Medical, Fidelity Insurance etc. etc.
Our observation, in as far as their after sale service is concerned, is that is absolutely poor and not at par with competition.
Whenever we have to take New Insurance Policy, they chase us for premium and when it comes to the settlement of insurance claims, they are least bother to settle the same. So many of our claims have yet to be settled by them for the last 2/3 years. By not amicably settling the claims of their customers, they are cheating them.
Looking into our bad experiences we suggest that nobody should deal with this company anymore if you don’t want to get betrayed at the time of settlement of your insurance claim which they will never settle in time.

I have been a Mediclaim policy holder o[censored]nited Indian Insurance Company for many years. The company was providing satisfactory service until MDIndia Healthcare Services (TPA) Pvt. Ltd.,started handling its affairs. I underwent eye surgery at Sankara Nethralaya, Chennai, on July 6, 2011. MDIndia never responded to mails sent before the surgery. After the surgery 10 bills were sent for reimbursement. MDIndia did not act until at my request United India took up the matter with them. When the payment arrived, I noticed that only one bill was processed. I drew the attention of both United India and MDIndia about the remaining nine bills. A month later, there is no response from either.

I had taken a MEDICLAIM PPOLICY in 1999 for a premium of Rs.2991/- for self and wife.
Till 2009 both are covered under ONE SINGLE POLICY
What is Surprising is for the last two renewals 2010 and 2011 the clauses of Insurance are changed. Differentiating self and wife with different terms. On enquiryUNITED INDIA staff are unable to give any explanation for the changes or who and why it has been done.
As of now I have two Mediclaim Policy nos: 072500/48/10/20/00002182 and 072500/48/10/97/00002183
The Premium went on increasing and stand at Rs.12382/- as on[protected] up to 03-2012.
We have never claimed a single Rupee from United India.We have not even went for free Medical check ups.
Even after 4 months we have not got any intimation from TPA.
Being senior citizen we are at the receiving end.
Hope you will verify this and revert back.
Thanks
G.R.SARMA

United India Mediclaim Individual Mediclaim Policy
I had taken Mediclaim Policy Single policy covering Self and wife ( Aged 59 and 52) in 1999 with a premium of Rs.2991/-
The Premium went on increasing and stand at Rs.12382/- as on[protected].
Till today I have never claimed a single Rupee from United India. I have not even went for free Medical check ups.
What is Surprising is for the last two renewals the clauses of Insurance are changed. Seperating self and wife. With different terms.
On enquiry staff from the company are unable to give any explanation for or who and why it has been done.
Few months I have sent the above complaint to United India and the reply is as follows :
Your Complaint has been successfully registered. Your Complaint Number is 3319
Kindly note this number for future reference. You can get the status of this complaint using the "Know Your Status" option
Even after 4 months I have not been contacted nor got any intimation from TPA.
Being senior citizens ( 71 and 64 as of now) we are at the recieving end.
Hope you will verify this and revert back.

My email ID : [protected]@yahoo.com

Thanks

sir, this is kind attention that i had hold the police no - 080802/48/10/97/0001148 o[censored]nited india insurance co. ltd.
since 2000. and first time in 4/4/2011 i had raise the claim , but company refuse the claim. the nessecry papers is attach with this
letter. after that i had summitted my request for reconsiderstion of my claim.

Message Body







Dear Sir/Madam




I have a family medicare policy in the United India Insurance Company Ltd. My policy no. is 160700/48/11/06/00000986. The period of insurance is from 27/06/2011 to 26/06.2012. The name of the insured is Mr. Dharmendra Ahuja. I have not received my policy identification card for the individual which is now linked to paramount health services pvt. ltd. having a PHS ID. While checking my current policy information it was brought to my notice that my address has been wrongly written even after sending a form for correcting the address earlier.

Please correct my address to :

Mr. Dharmendra Ahuja

Bus Stand Road

Ward no. 4,

Burhar (mp)

Dist: Shahdhol

Madhya Pradesh-484110

Telephone no. [protected]




which was wrongly written as:




Mr. Dharmendra Ahuja

Bus Stand Road

Ward no. 4,

Burhar(mp)

Dist: jabalpur

Madhya Pradesh:483110.




Please correct my address and send my policy identification card to my corrected address at the earliest possible.

Dear Sir/Madam,

I am the employee of MP Online LTD Bhopal,

Respected Sir

Actually i got my primary treatment here in Bhopal from 1 Aug 2011 to 16 Aug 2011 but didn’t get relief from my back pain .
Then i went to my native place (Prabhat Pattan ,Betul )and from there to Nagpur for my treatment that time i am suffer from back pain too much .
That time my doctor adviced me for admitted in hospital for treatment to do MRI of C-Spine and admitted there from 19 Aug 2011 to 21Aug2011 at Dr. Jaynat Pandey (M.D. Nero.)Pandey Memorial Hospital, Near Devi Ahilya Mandir,Dhantoli ,Nagpur Maharastra.

I have properly intimate through My Company to MED Save (United India Insurance Co. Ltd ) by mail and I have submitted original document (hospital & Medicine bills) with claim form but they are telling to me :-
1]In age of 28 this problem is not happening.
2] We are not provided within a 30 days after Ur policy but my policy is group policy and it’s a 2 year old.
3] Our doctor panel is not advice that treatment medicine is not valid for that type of treatment. and many other points on telephone. and also not put my second claim online on his site of Med Save.

My wife Sunita Singhania had met with a car accident on 13/03/2011 & went for left arm multiple surgery & the operating Doctor of Kokilaben Hospital had advised her for 6 weeks complete rest. She could not attend her office for atlease 8 weks post surgery &
is still undergoing Physiotherapy. We had applied for Claim along with all the required documents to United India Insurance Co. for 6 weeks claim but after regular follow up with the co. they said their Doctors Panel has passed the claim for only 3 weeks which is not acceptable to me because the stiches of surgery was also opened after 8 weeks so how can they pass the claim for 3 weeks. Now after several follow ups they are not giving any reply.Please help me & let me what should I do. My policy no. is 020300/42/11/01.00000089. I also approached the Cos. Grievace Office in Chennai
but reply received is that we get thousands of complain we cannot handle it.

From:
SANJAY RAJDHARI SINGH
201 SPRING LEAF “5-C”
LOKHANDWALA TOWN SHIP
AAKURLI ROAD
KANDIVALI-EAST
MUMBAI – 400101

TO,
MS MINA PATEL
UNITED INDIA INSURANCE CO LTD
DIVISIONAL OFFICE
BORIVALI (WEST)
MUMBAI

DATE: 19 – 08 – 2011

FINAL REMINDER

Respected Sir / Madam,

Ref.: INDIVIDUAL HEALTH INSURANCE POLICY NO.120900/48/10/97/00008396
CLAIM NO.MUM-0311-CL-0000987

Reg.: CLARIFICATION AS TO AMOUNT DEDUCTED ON REASONABILITY CLAUSE
PLEASE REPLY TO MY LETTER.

Why am I asking to REPLY FOR MY LETTER as when I approached the UNITED INDIA INSURANCE COMPANY LTD REGIONAL OFFICE, MS ADIGHA (CLAIMS MANAGER) told me that the same will be replied by the DIVISIONAL MANAGER MS MINA PATEL (DIVISIONAL MANAGER) But, unfortunately MS MINA PATEL directed the matter to MS SHILPA (TTK REPRESENTATIVE) and MS SHILA assured to give reply in WRITING.

MEANWHILE OUR REPRESENTATIVE AMET MS.SUDHA KULKARNI (BRANCH MANAGER TTK) AND DISCUSSED THE MATTER. SHE ALSO NOTED DOWN ALL THE THINGS AND ASSURED TO GET BACK TO ME BY EVENING YESTERDAY[protected] BUT THERE WAS NO REPLY FROM HER TOO.

HENCE today i.e. 19-AUG-2011 when we followed up the matter with TTK their representative MR MITESH / RITESH (TTK REPRESENTATIVE) tried to justify the same ORALLY and just told that we are not able to give you anything in writing, what ever we had given CALCULATION SHEET is the final and also told me to take YOU TAKE WHAT EVER ACTION YOU WANT TO TAKE… Is this a way to talk to POLICY HOLDRS / REPRESENTATIVE?

PLEASE JUSTIFY and REPLY.

SANJAY RAJDHARI SINGH

NOTE: HAVE CURTSY OF COMMUNICATION SYSTEM TO REPLY TO ONE’S LETTER

LAST FAX DETAILS …

1. LETTER DATED[protected]
2. REMINDER-I DATED[protected]
3. REMINDER-II DATED[protected]

With reference to the above, I would like to inform your good selves that the amount deducted on the grounds of REASONABILITY CLAUSE is not JUSTIFIABLE to me hence needs to inform you the following

1. The REASONABILITY CLAUSE means What?

a. I had made certain Enquiries at different Hospitals in Suburban areas like MALAD, BORIVALI and so and upon such an enquiry I came to know that the surgery of APPENDIATIS is being charged at the rate of 50,000/- to 60,000/-

b. But I preferred DHIRRAL HOSPITAL which is ECONOMICAL for me as well as for the company to settle the claim.

PLEASE JUSTIFY!!!


2. How the TPA can put all the charges to REASONABILITY CLAUSE such as …

a. STAY CHARGES for 10 days which according to the Treating doctor’s decision & requirement of the ailment and for which the doctor had already given clarification to that effect.

b. Where as the SURGERY CHARGES are Rs.4,000/- which is quiet NOMINAL and REASONABLE now on this too the TPA had put CUT to all the charges charged by the HOSPITAL

PLEASE JUSTIFY!!!



CLAIM LODGED: 15 – 03 – 2011

For your reference I am sending herewith the SHORT FALL REQUIREMENTS raised by the TPA …

(1) SHORT FALL No. : MUM – 0311 – CL – 0000987 – S01 Dated: 16/03/2011

GREAT the SHORTFALL was raised just one day after the CLAIM LODGED but sorry to inform that the same was not received till 28 – 03 – 2011 by me but up on follow up I had been informed on phone that there are some SHORT FALL REQUIREMENTS. And the same were taken prints at my agents office.(copy attached)

I replied the same SHORTFALL immediately on same day 28 – 03 – 2011 (Copy attached) as to

(a) TREATING DOCTORS CARTIFICATE & DATE OF SURGERY
(b) USG REPORTS

From 28 – 03 – 2011 till 06 – 06 – 2011 (69DAYS) there were NO RESPONSE from the TPA

PLEASE JUSTIFY!!!

(2) SHORT FALL No. : MUM – 0311 – CL – 0000987 – S02 Dated: 06/06/2011

Again requirement as to A/S/F – REQUIRED HISTOPATH REPORT …

I mentioned in the reply of SHORT FALL No. : MUM – 0311 – CL – 0000987 – S02 Dated: 06/06/2011 that the FINAL DECISION is of the treating doctor and according to the treating doctors Advise & Guidance, the HISTOPATH REPORT were not done (Copy of treating doctors certificate attached herewith)

PLEASE JUSTIFY!!!

AND NOW THE TPA HAD SETTLED THE CMAIL ON 01 – 07 – 2011 BUT THE CLAIM CHQ RECEIVED ON 05 – 07 – 2011. WHERE IN WHICH THE REASONABILITY CLAUSE IS APPLIED BY TPA.

PLEASE JUSTIFY!!!

PLEASE CONSIDER MY PLEA TO REIMBURSE THE WRONG DEDUCTION ON REASONABILITY CLAUSE AS EARLY AS POSSIBEL AS TO GAIN FAITH AND TRUST BOF YOUR POLICY HOLDERS AS TO INSURANCE & MEANING OF INSURANCE.

Thanking you

SNAJYKUMAR R SINGH

ENCL AS ABOVE

(a) SHORT FALL No. : MUM – 0311 – CL – 0000987 – S01 Dated: 16/03/2011 & REPLY THEREOF
(b) SHORT FALL No. : MUM – 0311 – CL – 0000987 – S02 Dated: 16/03/2011 & REPLY THEREOF
(c) CUSTOMER SATISFACTION FEED BACK FORM

Muself Priyadarshan Garg , trasported my household goods from mumbai to bhopal, by AIRCON INTERNATIONAL PACKERS AND MOVERS, and i recieved my goods after the 10th day of packing from my house and the hosehold goods including expensive electronic itmes such as water purifier, LCD television, juicer, mixer and grinder, etc were damaged. I had insured my transporting goods by UNITED INDIA INSURANCE COMPANY . My insurance was of 100000 rs,for which I already have paid the premium but the company is not responding now,the survey has been conducted twice and all the required documents have been submitted yet the company is not even replying for my querries.

RSBY Card No.[protected] 3 was issued by them in Oct 2009.Based on a press release, I went for renewing this card to Municipal Office Ottappalam. Their representative took my thumb impression and after due verification of my card took a sum of Rs.749/- as premium and told me that the card is renewed and eligible for hospitalisation during illness including chronic deseases like cancer and kidney ailments. He did not issue any receipt not only to me but to some others also. Next day one of my friends Mr Anil went with a similar APL card for renewal. He was told that this APL card can not be renewed. As I got a suspecion, I talked to Divl Manager at Palakkad who inturn gave some numbers of the Co-ordinator. He told me that the APL card can not be renewed and the premium amount so collected would be refunded. I sent a detailed complaint dated 3 June to the Insurance Co, Executive Director, RSBY, Trivandrum and to Mr Adoor Prakash, Health Minister, Govt of Kerala, Trivandrum. As on date no response from any one of them.Somasundaran

Through regd. A. D.

Ref:01/hop/[protected] june, 2011.

From: harshadray o. Pitolwala

4470, kamliwad, dahod.

Dahod – 389151.



To,

Veritas insurance services pvt. Ltd.

A-1, namohari, dashaporvad society,

B/h. Navchetan school, paldi,

Ahmedabad-380007.



Kind attn: mr. Chintanbhai shah / mr. Maharshibhai munshaw



Sub: settlement of my repudiated claim.

Ref: policy no.: 060700/48/10/06/00007383; period:[protected] to[protected]

Ccn : hh[protected].



Dear sir,



I, am covered under mediclaim policy since 11/12/2008. My policy details are as follows:



A. Policy no. 060305/48/08/41/00001982; period:[protected] to[protected].

B. Policy no. 060700/48/09/41/00002269; period:[protected] to[protected].

C. Policy no. 060700/48/10/06/00007383; period:[protected] to[protected].



Now i got admitted under treatment of dr. Nayan swadia in the swadia surgical hospital, opp. Kuber bhavan, ravpura, baroda-390001 as on 19/12/2010 for hernia operation and got discharged on 21/12/2010. However your tpa – heritage health tpa pvt. Ltd. Rejected my claim stating “claim during break period of policy” as per there letter dtd. 17/01/2011. (Copy is enclosed for your reference). Now against this reason i have to say as follows:



· i had renewed the policy by paying premium cash rs. 30, 471 on 10/12/2010; i. E. On the date of expiry. I have enclosed the manual receipt no. 5438 dtd.[protected] and final printed receipt vide receipt no.[protected] dtd. 13/01/11 in which the payment date 10/12/2010 is clearly mentioned under column of instrument date.



Thus i had paid the premium before the expiring of policy and without any break. However i received the policy with period mentioned as[protected] to[protected].



Hence the break in the policy period is not because of any delay from my side. It is the mistake from your side. I had also written a letter dated 12/02/2011 to heritage health tpa pvt. Ltd., however i got no reply even though after frequent follow ups. My agent mr. Tejas shah also made continuous follow up with your executive mr. Pankil bhatt, however tlll today there is no response/action from your side or from your tpa.



I request you to look in this matter seriously and expedite the file as early as possible as it is already delayed by more than 5 ½ months.



Please do needful and arrange to settle my claim of rs. 53, 512/- within a week or i will be forced to take legal actions.





Thanking you,



Yours sincerely,

Harshadray o. Pitolwala







Encl:

1.Intimation copy dtd. 20 dec. 2010.

2. Copy of claim form.

3. Copy of claim rejection letter dtd. 17/01/2011.

4. Copy of my letter dtd. 12/02/2011.

5. Copy of premium receipt no. 5438 dtd.[protected] and receipt no.[protected].

6. Copy of policy documents of 3 years.



Cc to:



1. United india insurance co. Ltd. 21/b, district shopping center, sector 21, gandhinagar, gujarat.

2. Heritage health tpa pvt. Ltd.; 63, city centre, 6 th floor, nr. Swastik char rasta, navrangpura, ahmedabad-380009.



3. United india insurance co. Ltd. 24, whites road, chennai – 600 014.









Email to :



1. [protected]@veritasins.com

2.[protected]@uiic.Co.In

3. [protected]@uiic.Co.In

4. [protected]@uiic.Co.In

5. [protected]@uiic.Co.In

6. [protected]@uiic.Co.In

7. [protected]@bajoria.In

REMINDER

Date : 31/03/2011

To
The Divisional Manager,
United India Insurance Co Limited,
Div Office No: 9, 604,
Kailash, 26, Kasturba Gandhi Marg,
New Delhi - 110001.
Email : [protected]@uiic.co.in,

Respected Sir,

Sub: Request for making payment of interest charges for the period of delay in settling of my husband death claim Regarding

Ref:
>S B I Card No:[protected] Of My husband (Late) Sri Krishna Rao.
>Death of my husband Mr Krishna Rao in a train accident on 23/05/2004
>United India Insurance P A Pol No: 46/141/04, Claim No : 46/590/2004.

> My communication dtd 21/10/2008 & Our repeated reminders.

> Your people reply dtd 20/08/2009

> S B I people Reply dtd 26/03/2011

With ref to the above, Till this date no one was taking responsibility and tried ever to skip from the situation.

Why your people rejected the claim and paid later ?

Who's responsibility to coordinate both of you?

Why we have to be punished due to both people inefficiency?

Who has to educate your people for settling the claim after deducting the dues if any to S B I - If it so?

We demand your people to look in to the matter and settle the interest charges at any cost for the delayed period with out any further delay. Other wise we were compelled to proceed legally as well as complaining to Insurance ombudsmen.

Thanking you sir,

Yours sincerely,

Parvathi

JAHAN Creations
Opp to Homeo care International,
Before lane to LEVIS show room,
L I G - 49, Dharmareddy colony, Phase 1,
J N T U C to Hitech city road,
Hyderabad – 500 072.
Mobile: +91 [protected] /[protected]
Email: [protected]@yahoo.com

PS: This is a computer generated mail. Hence signature not needed.[protected][protected][protected][protected][protected][protected][protec...⇄

RE:'CaseID=[protected]' Re: REMINDER
Saturday, 26 March, 2011 4:37 PM
From:"SBI Services" <services.[protected]@ge.com>
Add sender to Contacts
To:
"JAHAN Creations" <[protected]@yahoo.co.in>

Dear Ms. Parvathi,

This is with reference to your communication regarding Late N V Krishnarao’s SBI card account.

With regard to concern raised regarding late processing of Insurance claim. As communicated vide our previous communications, we were only the solicitor and would request you to directly get in touch with insurance company for the same.

Please feel free to contact us should you require any further assistance or clarification.

We assure you the best services at all time.

In case of any further clarification, we request you to reply at services.[protected]@ge.com using the same subject line.

Yours sincerely,

Senior Manager- Customer Service


--- On Mon, 21/3/11, JAHAN Creations <[protected]@yahoo.co.in> wrote:


From: JAHAN Creations <[protected]@yahoo.co.in>
Subject: Re: REMINDER
To: [protected]@uiic.co.in
Cc: "UIIC HO Grievance" <[protected]@uiic.co.in>, head.[protected]@ge.com, md.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, "R O 1" <[protected]@uiic.co.in>, "R O 2" <[protected]@uiic.co.in>, [protected]@irda.gov.in, [protected]@sbi.co.in, [protected]@irda.gov.in, services.[protected]@ge.com, feedback.[protected]@ge.com
Date: Monday, 21 March, 2011, 4:28 PM


--- On Sun, 13/3/11, JAHAN Creations <[protected]@yahoo.co.in> wrote:


From: JAHAN Creations <[protected]@yahoo.co.in>
Subject: Re: REMINDER
To: [protected]@uiic.co.in
Cc: "UIIC HO Grievance" <[protected]@uiic.co.in>, head.[protected]@ge.com, md.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, "R O 1" <[protected]@uiic.co.in>, "R O 2" <[protected]@uiic.co.in>, [protected]@irda.gov.in, [protected]@sbi.co.in, [protected]@irda.gov.in, services.[protected]@ge.com, feedback.[protected]@ge.com
Date: Sunday, 13 March, 2011, 12:52 PM

REMINDER.................................




25/10/2010


Awaiting for the interest charges for which your people prolonged in settling my husbands claim.
--- On Sun, 3/10/10, Parvathi&#39;s Boutique <[protected]@yahoo.co.in> wrote:


From: Parvathi's Boutique <[protected]@yahoo.co.in>
Subject: Change of address - Reg
To: [protected]@uiic.co.in
Date: Sunday, 3 October, 2010, 11:02 AM

Res Sir,

Shifted to the following address and requested to send all communication to the following address only.

Awaiting for the interest charges for which your people prolonged in settling my husbands claim.

S B I people looted me by charging huge interest charges on card due amount.

Thanking you sir,

Yours sincerly,

Parvathi

JAHAN Creations
(Exclusive stores for block hand printed saris, dress materials)
L I G - 49, Phase 1, Dharmareddy colony,
Opp to Homeo care International,
Before lane to LEVIS show room,
J N T U C to Hitech city road,
Kukatpally, Hyderabad – 500 072.
Mobile: +[protected]
Email: [protected]@yahoo.co.in

PS: This is a computer generated mail. Hence signature not needed.

--- On Mon, 9/8/10, Parvathi&#39;s Boutique <[protected]@yahoo.co.in> wrote:


From: Parvathi's Boutique <[protected]@yahoo.co.in>
Subject: Re: REMINDER for making payment of interest charges for the delay period in claim settlement - Reg
To: [protected]@uiic.co.in
Cc: "UIIC HO Grievance" <[protected]@uiic.co.in>, head.[protected]@ge.com, md.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, "R O 1" <[protected]@uiic.co.in>, "R O 2" <[protected]@uiic.co.in>, [protected]@irda.gov.in, [protected]@sbi.co.in
Date: Monday, 9 August, 2010, 3:47 PM


REMINDER

Date: Wednesday, 26 August, 2009, 6:36 PM

How it can be closed ?

Why abnormal delay happened even after submission of claim forms?

Why it was prolonged by saying that your people not recd the no objection letter from S B I etc..

No one was ready to take responsibility.

Why your people tried ever to defame us by giving false statements ?

We should get the interest from the date of dismisal of my husband up to the date of claim settlment at any cost.

We shold not suffer due to non coordination of your insurance and credit card people.

We expect the interest immediately.

Th u

Parvathi

--- On Thu, 20/8/09, UIIC HO Grievance <[protected]@uiic.co.in> wrote:


From: UIIC HO Grievance <[protected]@uiic.co.in>
Subject: Re: Re: REMINDER for making payment of interest charges for the delay period in claim settlement - Reg
To: "Parvathi',s Boutique" <[protected]@yahoo.co.in>
Date: Thursday, 20 August, 2009, 3:11 PM

Dear Madam,

This has reference to your e-mail dated 13th July with regard to payment of Interest charges for the delay in claim settlement. We request you to refere the mail dated 8th July sent by Mr Surenderkumar, Divisional Manager in which it has been clearly mentioned that inspite of our repeated reminders you have submitted the required documents only on 16.7.2008 and moreover we have settled the claim immediately and sent the discharge voucher to you. But then we received the voucher only after 2 reminders and the cheque was sent by Registered Post on 27.08.2008. Under these circumstances there has never been any delay on our part and the payment of penal interest for dealy in claim settlement does not arise. We hope we have clarified your doubts and are treating the grievance as closed.


Regards,

Dr J S L Prasad,
Chief Manager, H O Grievance

-- Original Message --
From: "Parvathi&#39;s Boutique" <[protected]@yahoo.co.in>
To: head.[protected]@ge.com, [protected]@sbi.co.in, md.[protected]@sbi.co.in,
cgm.[protected]@sbi.co.in, cgm.[protected]@sbi.co.in, United <[protected]@uiic.co.in>,
R O 1 <[protected]@uiic.co.in>, R O 2 <[protected]@uiic.co.in>,
[protected]@uiic.co.in, [protected]@irda.gov.in
Date: Wed, 19 Aug 2009 10:08:44 +0530 (IST)
Subject: Re: REMINDER for making payment of interest charges for the delay period in claim settlement - Reg

REMINDER

Date : 18/11/2008
To
The Divisional Manager,
United India Insurance Co Limited,
Div Office No: 9, 604,
Kailash, 26, Kasturba Gandhi Marg,
New Delhi - 110001.
Respected Sir,
Sub: Request for making payment of interest charges for the period of delay in settling of my husband death claim Regarding
Ref:
>S B I Card No:[protected] Of My husband (Late) Sri Krishna Rao.
>Death of my husband Mr Krishna Rao in a train accident on 23/05/2004
>United India Insurance P A Pol No: 46/141/04, Claim No : 46/590/2004.

> My communication dtd 21/10/2008.

With ref to the above, till this date we have not received the payment or any communication except from S B I card people. Simply we were communicated by them by saying that we have to communicate to your people reg insurance matters.

So please look in to the matter and do needful immediately. Otherwise we were compelled to proceed legally as well as complaining to Insurance ombudsmen.

Thanking you

With regards

Parvathi
Plot No : 987, Besides plot no : 602,
Vasanth Nagar Colony, Near K P H B Colony,
Kukatpally, Hyderabad - 500072.
ANDHRAPRADESH , INDIA
Mobile :[protected]
[protected][protected][protected][protected][protected]----
REMINDER

Date : 21/10/2008
To
The Divisional Manager,
United India Insurance Co Limited,
Div Office No: 9, 604,
Kailash, 26, Kasturba Gandhi Marg,
New Delhi - 110001.
Respected Sir,
Sub: Request for settlement of interest charges for the period of delay in settling of my husband death claim Regarding
Ref:
>S B I Card No:[protected] Of My husband (Late) Sri Krishna Rao.
>Death of my husband Mr Krishna Rao in a train accident on 23/05/2004
>United India Insurance P A Pol No: 46/141/04, Claim No : 46/590/2004
At last your people settled the claim recently for basic sum of Rs. 2 lakhs.
As per our request to pay the interest charges for delay and after our repeated reminders also, no one replied or not settled the interest.
We once again request your people to settle the same with out any further delay. Otherwise we were forced to proceed further.
Expecting your immediate action in this regard.
Th u
With regards
Parvathi,
W/o.Late Sri Krishna Rao Nidadavolu,
Plot No : 987, Besides plot no : 602,
Vasanth Nagar Colony, Near K P H B Colony,
Kukatpally, Hyderabad - 500072.
ANDHRAPRADESH , INDIA
Mobile :[protected]
REMINDER

From: parvathi v <[protected]@yahoo.co.in>
Subject: Reg claim settlement
To: "SURENDERKUMAR" <[protected]@uiic.co.in>
Cc: "United" <[protected]@uiic.co.in>, "R O 2" <[protected]@uiic.co.in>, "R O 1" <[protected]@uiic.co.in>
Date: Saturday, 6 September, 2008, 4:57 PM

Respected sir,

Thanks for sending the cheque for 2 Lakhs as basic insurance amount.

Please arrange to send the interest amount also as earliest.

Th u

With regards

Parvathi
Mobile: +[protected]
Email: [protected]@yahoo.co.in

Policy #: 141201/48/09/97/00000545

I renewed the above policy for the third consecutive year from 17/12/2009 to 16/12/2010. Unfortunately I had to undergo Uterus removal surgery at Bangalore. For hospitalization of the said surgery I submitted claim to UIIC at Beawar (the place from where policy was renewed) for Rs.32,541/-.

The repudiation letter was surreptitiously uploaded on TPA's web site without any information via mail or letter. I came to know of this through my agent on my repeated requests for claim status. Since then I have been writing to TPA as well as UIIC at various levels but there is no response from them.

I want solid pressure on UIIC / TPA for early settlement of the claim.

Thanks
Sunita Gupta

Sir, I am a retired employee of SAIL / Bokaro Steel Plant. Our former employer bears the major part of annual Mediclaim renewal cost (effective from January to December) for both the retd. employee and his/her spouse. And the ex-employee bears a part of the fees. SAIL's present tie up is with M/S United India Insurance Co, Ltd (UII) and the ex-employees' claim is settled through the Third Party Administrator (TPA) appointed by the Insurance Co. Since I am settled in Kolkata my case falls under the administrative area of the TPA, viz, M/S MDIndia Healthcare Services (TPA) Pvt.Ltd, 169-Sarat Bose Road, 2nd Floor, Kolkata-700 026 (W.B.).

Unfortunately my wife Mrs. Saswati Deb Sikdar (MIN NO:[protected] had to be hospitalised in Kolkata in a critical condition on 4-4-2011 and diagnosed “Urosepsis with septic shock and multi organ failure. ....She developed episode of hypoxia and bradycardia . She was immediately admitted in the ICU and managed with the mechanical ventrilator, Vesopressors and haemodylasis". Finally she was released on [protected] and in absence of my Mediclaim renewal till then I had to arrange cash payment of the hospitalisation bill of a substantial amount .

On obtaining my Mediclaim renewal confirmation from SAIL / BSL, vide their letter no: BSL/Pers/ Final Settlement Cell/MC/2011, Dated: 19-4-11, I submitted the original hospital bills to the TPA at Kolkata in a file (with 113 page enclosures) on [protected], also enclosing copy of my renewal confirmation letter received from SAIL / BSL for re-imbursement of the bill amount. But on enquiry I could gather from the TPA office that they were still not convinced about renewal of my Mediclaim and my bill has been kept pending. I was taken aback at the level of concern of the TPA authorised by the Insurance Co that they don't feel urgency of bill payment nor do they see reasons for it to communicate, while I am carrying over the interest burden. They neither reply any e-mail query nor the TPA Customer care at their Head Office at Pune (address: S. No. 46/1, E-Space, A2-Wing, 3rd Floor, Pune-Nagar Road, Vadgaonsheri, PUNE-411 014) is accessable through email id given as "[protected]@mdindia.com".

I may have to leave the station for quite a few months, now likely by the 3rd week of June'11. Considering the level of sensitivity of local TPA I don't find any hope of getting my bill re-imbursed shortly, before I leave. It appears that the TPA is going by the principle "Avoid Payment, i[censored]navoidable delay the payment" . But as a retired person I am totally in a soop.

Thanks and regards.
Hemanta Kishore Deb Sikdar
(MIN NO:[protected]
Flat-4 I, Wing-1, Orbit City
82A, Raja S.C. Mullick Road
Kolkata-700 047
Mobile- [protected]

During tranfer of residence from Damanjodi to Bhubaneswar ., My vehicle insursnce got misplaced. I have repeatedly in touch with yhe branch manager through me representative at Damanjodi. For renewal of the same a cpy is reqired by me to get no claim. My vehicle no is OR -10B-4230. With some pretext or other Insurance office is not issuing the same till date. I am unable to drive the vehicle since last ten months. Hence the complain to help.My personal E mail ID is [protected]@yahoo.co.in

Dear Sir,
I have paid a cheque of Rs. 5319/- bearing no-997369 cleared on 25.3.2011 drawn on PNB, Gujranwala Town, Delhi-110094 toward renewal of my mediclaim policy to United India Insurance Co Ltd branch Lal Chowk, Okhla, New Delhi-20
But from 23.3.2011 to till date i do not received my policy while i many time remind (call) to my agent as well as branch from where i got issued my mediclaim policy. Every time they said that bhej dainge.

In the Menes time, My son Master Naitik Tiwari was hospitalized in Jyoti Nursing Home on 24.3.2011 to 26.3.2011, I intimated to agent and TPA also on 8.4.2011 and submitted my all the original documents to TPA on 13th April 2011 by post.

But TPA has rejected my claim as Claim was repudiated due to delay in intimation of claim, really i do not know about the time period of intimation and my agent never tell me about this clause and no fault from my side. This was happened due lack of knowledge or policy document.
Therefore, i hereby requested to your goodself to kindly look into the matter and do the need full.
Waiting for your reply.]

Please note that my policies are continued since last 5 years.
My detail is as under:
Name : ASHWANI KUMAR TIWARI
Policy No-040603/48/10/06/00002284
DOB:[protected]
ADDRESS: HOUSE NO-165G, STREET NO-4/1, KARAWAL NAGAR EXTN., DELHI-110094
eMAIL: [protected]@gmail.com
Contact No-[protected]

My mother was admitted in Holy spirit hospital on8thsept.to16th.sept.as suggested by the doctor on emergency reason.As per the rule my son intimated the UIIC office by email the same night at943pm.also on the next day at 1218pm.When my mother was discharged i sent all original bills to the UIIC office by courier service.Inspite of completing all the formalities and sending them regular emails or phone calls I am surprsed and disgusted as to why such a treatment is meted to very senior citizens.The total bill is rs.15,276 which is ahuge amount for any senior citizen to afford.I am 86 yrs. old and need regular check ups and treatment .My insurance renewal charges are also very high.and i have been renewing for almost 10 yrs.What is the purpose of taking insurance if i dont get my bill claims.I request you to help me in this matter . Thanking you SESHADRI AYER

SIR,


I have policy of mediclame on valid from 24/05/10 to 23/05/11
1. BHUSHAN KUMAR ARORA MANISHA ARORA, NUPUR ARORA
AND NAIKESH ARORApolicy no. 040500/48/10/41/00000424

I have receive this policy through state bank of indor at rajori garden branch
now this bank have merje in state bank of india my policy have expire on dt
23rd of may 2011. now i want renew this policy but bank is refuse to continew this policy. I contact the manager on dt.18/05/11 that he is also refuse. He told contact the company in janpath. I went the company in janpath
on dt.18/05/11 i contact the mrs indira sharma. she also refuse and told this policy can not renew that the reason is this bank is not our penel
you go for other general policy. this policy is not renew and countinew

my problem is if this policy is not renew my last one year benifit continewty is loss. and the rate benfit is also loose. please see this matter as early as possible and continew this policy.

my mail is [protected]@yahoo.com

please reply this mail address

bhushan kumar arora
mobile no. [protected]

My father have been suffering continously from skin and eye infection from past 2 months where the OPD treatment didnt worked, when doctors in one of the TPA network hospitals find that it is critical and emergecy to admit him as continous monitoring ,observation diagonysis and treatment is needed and they cant do it in OPD , treatment etc was informed to the TPA MEDIA ASSIST insurance UNITED INDIA INSURANCE and submitted all the documents requested for along with pre-authorisation form.
After 5 days they DENIED it saying treatment can be done in OPD...We have continously failed treating him in opd and upon doctors insisting us to admit we have done so as its medical emergency and critical which they feared that it may go to skin cancer or leprosy .... but by GOD's grace they treated him well continuosly monitoring his condition. Now today I got in one word DENIED from insurance co when we are getting discharged now.

Its clear and obvious that a emergency admission more than 24 hrs to be re-imbursed,even though its a genuine case they have rejected it.I request the authorities to take action on this.AND ALSO REQUEST EVERY ONE NEVER OPT FOR UNITED INDIA INSURANCE AS THESE PEOPLE ARE THE WORST IN INDUSTRY.