Ministry Notification
MINISTRY OF FINANCE
(Insurance Division, Department of Economic Affairs) New Delhi.
NOTIFICATION
11th November 1998
G. S. R. 670(E) - In exercise of the powers conferred by sub-section (1) of Section 114 of the Insurance Act, 1938 (4 of 1938) the Central Government hereby frames the following Rules: -
1. Short title - These Rules may be called the Redressal of Public Grievances Rules, 1998.
2. Application - These Rules shall apply to all the insurance companies operating in general insurance business and in life insurance business.
The Central Government may exempt an insurance company from the provisions of these Rules, if it is satisfied that an insurance company already has grievance redressal machinery, which fulfills the requirements of these Rules.
3. The objectives of these Rules are to resolve all complaints relating to settlement of claim by insurance companies in a cost effective, efficient and impartial manner.
4. Definition - In these rules unless the context otherwise requires:-
(a) "Act" means, Insurance Act, 1938.
(b) "Committee" means, an advisory committee referred to in Rule 19.
(c) "Financial year" means, period of twelve months commencing from the 1st day of April of a year and ending on 31st day of March of the succeeding year.
(d) "General Insurance Corporation of India" means, a government company formed under sub-section (1) of section 9 of the General Insurance Business (Nationalisation) Act, 1972 and shall include a subsidiary company of such company.
(e) "Governing body" means, governing body of the Insurance Council constituted under sub-rule (1) of rule 5.
Dear Sir/Madam Mera name Neeta Parmar hai or me Bhaynder,-east Mumbai, Maharastra me raheti hu mene mari Daughter ko fever tha or use ko lekar me Dr. Priya clinic me gai thi or unhone muje unke husbund jinka bada hospital hai [SAI GANGA HOSPITAL] vaha muje meri ladki ke sath bheja jab me vaha gai to Doctor ne meri ladki ka check up karne ke bad puchha ki aap ka mediclaim hai to me ne kaha ha hai or unhone meri ladki ko admit kar diya, usko 2/7/17 se leke 7/5/17 tak hospitalize rakha or 43000/- ka bill banaya jo mene vo paise mere gahene girvi rakh ke cash Doctor ko de diye. Usake bad jab mene mediclaim ke liye Jo paper Doctor ne diye the vo Paper mene Apollo Munich Health Insurance Company me diye, to company ne mera claim Doctor ki galti batake reject kar diya
Dear Sir,
Since year 2004, I and my wife have a med claim insurance policy of United India Insurance Company for Rs. 1,50,000/- each of us [Totaling Rs. 3,00,000/-].
In year 2012, I suffered a heart attack and availed med claim benefit. Thereafter, I felt that the insurance sum of Rs. 1, 50,000/- each which seemed to be adequate in year 2004 is now insufficient to cover present day expenses owing to market inflation.
Thus at each subsequent renewal, I am requesting local office of United India Insurance Co. for increasing the sum insured. But I am being refused for increase in sum insured because I have suffered heart attack in 2012.
Besides, my wife is also denied revision in sum insured because she had availed med claim for a gyno myomectomy surgical procedure in 2011.
I would, please, like to know –
- After having availed couple of med claim benefits in these years, Can’t we revise the decades old sum insured for our continued med claim policy now?
- If yes, how to do it?
- If can’t, would like to know regarding appropriate rules in this regard.
- Shiv dutt chadha
I filed my complain against UNITED INDIA INSURANCE CO.LTD IN MUMBAI OMBDUSMANS OFFICE IN AUGUST-2012 CASE NO.OF THE SAME IS 953.NOW THEY ARE TELLING ME THAT,THERE IS NO OMBDUSMAN APPOINTED and CASES FROM DEC/2011 ARE PENDING I AM UNABLE TO UNDDERSTAND WHAT IS HAPPNING? WHEN LL IT BE APPOINTED,TO WHOME SHOULD I CONTACT REGA .THIS
i had taken a health insurance policy from, Medical check up was conducted and they informed me that I have complaint of Diabetic and so any claim related to that will be disallowed. I never had diabetic problem and I took another test to confirm this, my sugar level was found 98. I am requesting star health to provide me a copy of their report which they are refusing- what should I do?
Dear sir, My self and my wife has mediclaim policy from future generalii No.2011-H0023996-FHI.
My wife was ill and got hospitalised in Adinath Hospital, Indirapuram on 02.09.2011 as a case of dengue fever.
Hospital send request for cashless which was refused by Insurance compony on baseless ground and ask for rembursment.
My wife remain admitted till 07.09.2011 and Hospital raised a bill of Rs. 33752/-
Insurance person visited the hospital and varified the presence of pateint in Hospital.
Initially insurance compony was not resonding for claim and when ever contacted gives the answer that claim is under process but when complaint was registered with IRDA
Insurance compony rejected the claim on the following grounds;
1. Pt. has given a wronge residential address - How a residential address can be cause for no claim even when Pateint presence in hospital was confirm=
ed by insurance compony and all corospondance even renewal of policy was with same address.
2. My self is a doctor and director of the Adinath Hospital - how does being my self doctor and director of treating hospital leads to no claim for insura=
nce compony.
Insurance compony representative repeatedly visit the address and harash my wife and her sister in law once they was alone in the house.
Now you are requested to see the matter and ask insurance compony to pay the claim with intrest and panalty for harashment.
Thanks with regard
Jain
Please file a case against rejection of claim in Consumer Court of your area. As regards, harrassment, please lodge FIR against insurance company.