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Dear Client
You can certainly move the consumer forum with all the relevant evidences as this appears to be a defect on services as well as malpractices. You can also try to file a criminal complaint against them for cheating and misleading but you need to consult a good lawyer with all the docs for the same.

Dear Client
Your question is not clear and you are requested to either post the question again or get in touch with a lawyer with the policy documents so that comprehensive answer can be provided to you.

that long-standing pre existing diseases - do not fall in preview INCASE OF HEART ATTACK.. U can challenge the repudiation of the insurance claim. Also teh type of MEDICLAIM POLICY needs to taken into consideration & after reading the terms we can guide you more.

Dear Client,
Lot of banks are accepting the death by COVID as acceptable reason for claiming the insurance policy and I believe it should be too. If the bank is rejecting the same then move an application to Consumer forum.

Dear Sir,
Yes, you have to engage advocate in both the cases otherwise as there is death of one person you will be convicted. Also compensation may be awarded and you must not believe the insurance company since it may say that policy conditions were violated as such it is not liable to pay the compensation.

Dear Client,
You can file a grievance on the official website of the Insurer, or you can email or contact Insurer to express your dissatisfaction.
If the issue is not resolved at the insurer level, you can file a complaint with the IRDA IGMS site online. If your problem isn't handled at this level, you can take it to the consumer court. Let us know if you require any further clarifications.
Thank you!

Dear Sir,
You may approach Insurance Ombudsman or Consumer Court.

I could have explained more if background is known to me. If background is made known in full then legal experts will be in position to understand correctly. Moreso, the background must be in brief.

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Dear Sir,
It is too late but if there are grounds to justify the delay you can approach Magistrate Court and file private complaint and get it registered.

Dear Sir,
You may approach insurance ombudsman if clauses of first policy allows such transfer from one policy to another.

Hi,
You have to bring this to their attention. It is difficult to claim the insurance in case of any such errors and the company will try its level best not to approve the claim. Please contact them and for legal advice, please contact a lawyer.
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