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Dear sir/Madam, My mother died in an accident before 11 years. The lawyer is still running the insurance case in madras high court and says different reasons every time for case delay. unfortunately i lost all the related documents of my case, so i could not cross check the case status. The lawyer is not ready to give any details to me, I fear that the lawyer is hiding some thing from my knowledge. I want to check what is happening in my case and change the case to new lawyer.

A. Approach a junior lawyer, apply all the certified copy from the file ( lower and higher court).
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I purchased a life policy from Reliance Nippon Limited on May 2016. I had paid a premium of Rs. 20,725 for the same in 2016 Since then I was not able to pay the premiums due to financial issues as I am currently a student and had other loans to repay. I informed the company through their advisor the same and the advisor misguided me that If I want I may not pay any more premiums and will get the first premium amount after a period of 5 years. Now, last year, I got a call from the Insurance Company that my policy has been terminated due to non-payment of 2 premiums and since a period of 2 years has passed, so, I cannot renew my policy. I pleaded the company stating my strained financial conditions, but, the company kept its stand of ignorance. I also approached IRDAI for the same, but that attempt was also futile. I request concerned advocates to guide me in this regard as I want to continue my policy or want the amount of the first premium back. Thank You Sparsh Handa

A. You may approach the Insurance Ombudsman and share your policy. Conditions to be read first to render legal advise.
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Respected Madam / Sir : The late mother of my office colleague passed away a couple of years back. This colleague is the eldest daughter and having TWO younger sisters all THREE unmarried. The eldest daughter and the middle one are doing jobs in a Hospital and School respectively in Pune on contractual basis. The youngest daughter is appearing for graduation externally. As the Father of these three children was employed at The NIV, Pune and later on expired the mother of these three children was given a job after several years at The NIV on compassionate grounds. The mother had taken a loan of Rs. 15,00,000.00 for purchasing a dwelling ( at Wagholi to Manjari Road about 25 k to 30 ms from Pune for security of the THREE daughters) and an additional amount of Rs.1,60,000.00 for insuring Flat with the same Bank in the year 2016. Her age at the time of procuring the loan was 52 years. MOTHER WAS ILLITERATE. The claim was denied for the reason that the material facts of illness was not disclosed. The Proposal Form was not shared / given to them and only the Policy Certificate was handed over. As their claim was denied they were interacting with the Bank from several months and finally a copy of the Proposal Form was printed in their presence and handed over to them on 19.10.2018. After going through the Mandatory Proposal Form I, the undersigned noticed enough of errors the details of which which have been mentioned below : 1. SLIPSHOD METHOD OF FUNCTIONING BY THE REPRESENTATIVE DESIGNATED AS THE FINANCIAL SERVICES ASSOCIATE, SALES OF THE BANK WHO FILLED THE PROPOSAL FORM JUST FOR THE SAKE OF INCENTIVES / OR MAY BE TO ACHIEVE HIS TARGET 2. MEMBER ENROLLMENT / PROPOSAL FORM WAS NOT VALID AS THE MEMBER ENROLLMENT / PROPOSAL FORM WAS FOUND TO BE INCOMPLETE AS THE MANDATORY POINTS WERE JUST LEFT BLANK 3. DATE ON THE PROPOSAL FORM WAS MISSING 4. NAME AND SIGNATURE OF THE FINANCIAL SERVICES ASSOCIATE WAS MISSING 5. NAME, ADDRESS, OCCUPATION AND SIGNATURE OF THE WITNESS MISSING 6. NAME, ADDRESS AND SIGNATURE OF THE THIRD PERSON DECLARING THAT INSURED MEMBER MEMBER HAS SIGNED IN VERNACULAR ALL MISSING. NOW AGAIN QUESTION IS AT THIS POINT IS THAT ON WHAT GROUNDS DID THE BANK DENY THE CLAIM WHEN IT WAS THE RESPONSIBILITY OF FINANCIAL SERVICES ASSOCIATE, SALES TO ENSURE THAT THE FORM WAS FILLED COMPLETELY AND CORRECTLY AS THE INSURED WAS ILLITERATE? In addition on the basis of this in valid Proposal Form HOW WAS THE POLICY CERTIFICATE RECOMMENDED / APPROVED and issued without the signature / seal of the Bank Manager pertaining to that particular Branch on the Proposal Form. The Proposal Form should have been rejected by the concerned Authority, asked the applicant to undergo a Medical Examination Test and increased the premium accordingly to avoid further complications. Madam / Sir, our humble request to give us your valuable guidance and advice AND our next course action in this regard. The Family of these THREE daughters is in a miserable condition as of now. Your expert advice and guidance in this regard shall be highly appreciated and remembered throughout. Yours truly, ( Robert Paul ) Purchase Officer KEM Hospital Research Centre Pune - 411 011

A. Such repudiation of health claims are not permitted according to law and there are several incidences and judgments of higher courts against the insurance companies. Ur case shouldn't b much different. Plz issue legal Notice after raising grievances with the Customer Deptt. of ur Insurer and Insurance Ombusdsman and approach the concerned Consumer Court for claim amount and mental agony and harassment. U should succeed. Thanks n regards
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Anonymous

Posted 1 month ago

My father died on road accident. Hit by hundai creta.he was on two Wheeler. We want to claim third party insurance. What are the documents required. How much amount we will get. My mother was pilion rider but she has minor injuries.

A. 1. the documents required are FIR, Post Martum report, Date of birth and Income proof of the deceased,
2. you can contact any advocate for filing the claim,
3. amount depends upon the age/income of the deceased,
you can contact me for a detailed discussion,
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Vijay

Posted 2 months ago

Hi, I have a health insurance policy with a leading private insurance provider for the past 6 years. I did not have any pre-existing conditions when I took the policy. But 2 years back I was diagnosed with early stage psoriasis which does not require hospitalization, just out patient medication. So I did not make any claim in my medical insurance and have been renewing my policy. Recently I was told that I need to update my insurer if I have any health issues. Is this a problem. Can my insurance company decline any future claim on this basis. What is the correct process to update my insurance company.

A. Hi client,
If you have got a new medical issue, you should definitely let him know this. Immediately talk to your insurer.
Thank you
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Ananda Sengupta

Posted 3 months ago

I AM A PVT.LTD COMPANY SERVICE HOLDER EARNING ABOUT 25000+ MONTHLY. AM I ELIGIBLE TO TAKE TERM LIFE INSURANCE POLICY OF 1 CRORE.

A. Policy conditions vary from insurance company to insurance company.
Different companies have different plans and different criteria.
Thus an insurance agent will be able to guide you better.
Thanks
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Anonymous

Posted 3 months ago

Be Afterexpiryof 3yearsfrom date of risk if life insurance company has not settled but processing and mean time it is provided a evidence of preexisting diseDe not disclose can it withhold the claim in view of amended sec 45 of Insurance Act

A. Dear sir/madam
If you have not disclosed the previous existing disease as on the date of policy then they may withold or even reject the claim.
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Simi  Paul
Simi Paul Experience: 1 Year(s) Kolkata
Suneel  Moudgil
Suneel Moudgil Experience: 16 Year(s) Panipat
I HAVE TAKEN A LIFE INSURANCE POLICY WITH TERMS AS TO PAYMENT OF YEARLY PREMIUM FOR 5 YEARS AND THEREAFTER IF I SURVIVE YHE POLICY MONEY WILL BE RETURNED WITH ADDITIONS AFTER 7 YEARS. SINCE I HAVE NOT UNDERSTOOD THE TIME LENGTH PROPERLY I MERELY ACCEDED AND WENT ONPAYING PREMIUMS AND SUCCESSFULLY COMPLETED 5 YEARS PAYING TERM. AFTER THAT SINCE I RETIRED I AM IN NEED OF FUNDS HENCE APPROACHED MY COMPANY WHO GAVE ME RUDE SHOCK CONVEYING SINCE BALANCE PERIOD OF 7 YEARS FOR NORMAL MATUREMENT WAS NOT COMPLETED MY POLICY WILL BE TREATED AS PAID VALUE BASIS AND SURRENDER VALUE EQUIVALENT TO HALF OF PREMIUMS ARE ONLY ADVISED FOR RETURN THIS THEY CITED AS PER TERMS. WHETHR IS THEIR CONTENTION CORRECT. DO I NOT HAVE ANY RECOURSE /?

A. Dear Sir,
Show your policy to local advocate or contact your insurance agent to clarify your doubts.
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Dear Sir / Madam, I am a patient of Epilepsy for the last 20 years. When I try to get Health Insurance for myself, all the insurance companies have refused Health Insurance on the grounds that I suffer from a Neurological condition. None of the companies are willing to report this in writing but say that the underwriter has refused my case. They suggest that I don't declare my condition which I am not comfortable in doing. Would request your advice in this matter.

A. Dear Sir,
You may approach High Court by filing PIL through any advocate who is ready to file such PIL free of cost or approach any NGO who wish to support your noble cause.

Thanks.
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Rahul Singh

Posted 6 months ago

I wasn't able to pay my dues for insurance and got a fraud issue on my insurance policy regarding which someone called me saying that he can help me in recovering that money, he told me to pay him in some of his personal accounts sum of money(Rs. 3,91,000) in installments. Now, he is refusing to pay back anything and even threatening for more money. I want to know how much will cost me in courts, police station and lawyer if I'll sue him. Please tell me about the money in parts accordingly I asked that who'll (court, police and lawyer) take how much money to finally solve the issue. I also want to know that if lawyer provide any receipt for the money they take? I live in shahdara, delhi and my police station is mansarovar park.

A. Dear Rahul,
You should file complaint case or FIR for fraud done with you.
You are asking for cost for filing and advocate fees etc.
While you did not thought before making payment of 3. 91lacs. In someone's account. And now u are thinking much about ur expenses at court and Advocate fees. This is surprising. You may feel to contact for further advise.
Thanks
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