Dear Friends,

Hello.

I got a Individual Health Policy from United India Insurance Company Limited in
the name of my father and mother for Rs.2,00,000 and Rs.1,00,000 respectively on
15/12/2006 valid upto 14/12/2007(first year)and I got the renewal for the same
on 15/12/2007 valid upto 14/12/2008(second year).

On 21/08/2008 my mother got a severe stomach ace and i took to our family doctor
and he referred the case to a specialist and there it got diagnosed that it a
emergency case of 2-3mm stones in her Gall Bladder which have to be removed via
laproscopic operation in a day or two otherwise its gonna be a problem.

I called up my insurance agent for the same but he refused to give the claim and
said that since its the second year of the policy so we are not eligible to file
a claim for the same and the claim wont be honored by the company and we are
eligible for the same in the third year.

I told the same to the doctor he consulted one of his friends working with The
New India Insurance Company Limited he said in case of a emergency we can file a
claim and the company is liable to pay the same.

If anyone knows the same please help out.

Regards,

Robin Gupta
Hind Sarees,