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Dear Sir,
You can claim insurance from Railway Department as every ticket issued to the passenger is duly insured by the department having collected premium from the passenger. Apart from this you may claim compensation from the Railway Department since they failed to provide medical facility to the passengers. Get issue a legal notice and then file two different cases before two forums one before consumer Court and another before High Court.

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Dear client send complaint to bank Ombudsman
Lawyer vidhikarya

Dear Client,
It is the Insurance who can settle this.
Shanti Ranjan Behera
Advocate

dear client kindly approach the Insurance Ombudsman Officer for redressal of your grievance.

Right.

You may not received any claim also and the have paid premium on the advice of the company. Verify the policy terms & conditions and refund of premium clauses. Issue legal notice and lodge claim before Ombudsman and also can file before consumer forum, you can also file civil & criminal cases as the case may be to exercise your premium refund.

Get issue legal notice

No issure if you lost the original. Insurance company verify your details from the concerned authorities and no need to panic about delay. Court may condone the delay on genuine ground

You have to lodge your claim against the deduction & also involve insurance Regulatory Authority for direction to refund the illegal deduction, You have various options for quick recovery.

1. The clause mentioned on ICICI lombard PL insurance agreement is unilateral and can not be considered by the court of law.

2. I suggest you to issue legal notice.