I HAVE HAD GOOD HEALTH INSURANCE POLICY THRU MY CITIBANK CREDIT CARD FOR PAST 6 YEARS. EVERY YEAR THIS WAS AUTOMATICALLY RENEWED AND CHARGED ON MY CREDIT CARD. LAST YEAR IN 2004 WHILE THE POLICY WAS VALID. I WANTED TO ADD MY SONS NAME IN THE SAME POLICY. CONSEQUENCE OF THEIR FAILURE TO RENEW MY GOOD HEALTH POLICY EVEN AFTER REMINDERS IN WRITING. ONE OF THE POLICY HOLDERS MY MOTHER HAD MEDICAL EMEGENCY. SHE WAS ADMITTED TO APOLLO HOSPITAL IN THE MONTH OF APRIL 05, BILL AMOUNT Rs 50835.00.