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Ananda Sengupta

Posted 3 days 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 2 weeks 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 3 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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Jose Peter

Posted 3 months ago

My bike crashed with a car on road. They filed a case in police station for compensation for there damage. What is the procedures for pay there claim through my vehicle insurance...???

A. Dear Sir,
Case cannot be filed in police station seeking compensation however it is insured it is the responsibility of Insurance Company to pay such compensation.

Please take PAID phone call with me through VIDHIKARYA and get more legal guidance.
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Anonymous

Posted 3 months ago

My truck met an accident on 27 June2019 and national permit expired on 7 June 2019. So insurance company is refusing to give claim . I have heard that if national permit expires then 25%is deducted and rest amount is paid but insurance company has refused to pay anything.

A. Dear Sir,
You may approach local legal expert with all your documents and get appropriate legal advise.

Please take PAID phone call with me through VIDHIKARYA and get more legal guidance.
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Anonymous

Posted 4 months ago

My son is having health insurance policy for his family from UIICo since April 25,2011 and was also covered under policy taken by his office. In December 2011 my daughter in law was operated for rectal ulcer. Total expenditure was approximately Rs. 6.00 lack. Out of this amount Rs. 2.00 were passed by office insurance company and for Rs. 3.00 lack we sent the claim to TPA allotted by UIICO but they rejected the claim. Then we filed application in District Consumers Forum but they never appeared in the court. The court passed ex-party orders in our favour directing the insurance company to pay the amount along with interest. Then the insurance company appealed in State Commission. There also the insurance company did not appear in the court on three consecutive dates. The State Commission dismissed the application ex-party. Then we filed execution in district court for payment. In April, 2013 the insurance company paid the amount along with interest. Now after six and half year the insurance company has filed C. M. In appeal of 2012.Is it legal after a long period while earlier insurance company was given opportunity to defend but they didn't appear. If they had objection they could appeal in National Commission instead of giving payment to us against full settlement. Please advise. From:- Rajender Goel

A. Dear Sir,
They can prefer appeal within limitation period otherwise you can proceed to execute the decree.
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Vikas Kumar

Posted 5 months ago

My car met with an accident and at that time my sister was driving the car and my father and brother they were there in the car. She has valid license . Tata aig ask me to provide MLR report but hospital don't provide me and then there investigator made a report that your father is driving the car and provide his license I have his learning license.i call the investigator to ask him how you know that who is driving car please tell me also but he didn't pick my call and tata aig branch manager stuck on that provide license and we will proceed but they are doing this from last 3 month asking unnecessary documents at regular intervals want to denied my claim I want to know should I filled the case against them or provide them license of my father

A. Dear Sir,
You may raise the issue with Insurance Ombudsman or get issue a legal notice and file a civil suit to recover insurance amount.
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Mrighankhi  Chakraborty
Mrighankhi Chakraborty Experience: 2 Year(s) Kolkata
Shreyash  Mohta
Shreyash Mohta Experience: 2 Year(s) Kolkata
Suneel  Moudgil
Suneel Moudgil Experience: 16 Year(s) Panipat
I took a insurance policy from Bharti Axa Life Insurance co. in july 2017. It is on monthly premium mode since first month. Due date of policy is 12th of every month as per policy document. But the insurance company sends ECS mandate on 05th of every month which is not acceptable to me due to fund availability on this date. Now insurer is not ready to change the ECS date for collecting premium amount from me to 12th of every month as per policy document issued by them nor accepting my online payments by de-activating the present ECS mandate date of 05th of every month. Two times my banker has been charged penalty for failure of premium amount on 05th for lack of sufficient funds. This month insurance company presented ECS mandate on 03rd of august and my accound was debited by penalty amount on sunday i.e. 04th august. Now, can i move to court of law for relief against insurance companys arbitrary acts and compensation for defaulting other payments to banks which were also bounced due to penalty amount deduction by this insurer ECS mandate presentation in far early date than mutually agreed at the time of policy issue. Please suggest me. thanx.

A. Issue a legal notice to them and also complain to the banking ombudsman.
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