Dear Sir/Madam,

I have had a mediclaim policy with Oriental Insurance for the last few years. I had made a claim against my policy No : 121200/48/09/8696 for the treatment of my Mother-in-law for CA Lung cancer. She has an insurance cover of Rs 1,25,000. The first claim of Rs 97,731 was received by us on 02-09-09. For the subsequent claim, we received a cheque of Rs 47,959 on 02-11-2009. However, since her limit was only Rs 1,25,000, I notified Raksha TPA about the excess amount , instead of going ahead and depositing the cheque. After sending back the cheque along with a covering letter and the claim details document, i expected that the rectified cheque of Rs 27,269 would be promptly despatched. However, I received no communication from them. Each time i try to contact their number, it just keeps on ringing. Whenever i have managed to get anybody on the line and tell my problem, the line conveniently gets disconnected.

After repeated mails to Raksha TPA , somebody calls me up and says that they are unable to find the cheque. I told them that i was not responsible for their inability to find the cheque. Now, i am being penalised for being an honest citizen and returning the cheque for Rs 47,959. Considering that this was for expenses incurred in aug'09, i have waited for more than 5 months and i am still waiting for the rectified cheque.