I have got medical insurance policy of National insurance for the last 7-8 years.Policy Number-100200/48/11/8500000936.
Actually this year I am facing a serious problem while depositing my premium.I have deposited a Cheque.Cheque No:400941 on 20/6/2012.Amount Rs.1519.But there i have done a mistake in rupees amount while writing the cheque.Though National Insurance office of Behala,Tram Depot has accepted the cheque without checking the the cheque properly. Not only that they have also taken a service tax extra amount of 28 rupees by cash. But as there was a mistake in writing the cheque amount Citi Bank has not cleared the cheque.So I have receiveda call from agent.Agent, Code-944.So I immediately sent my wife to National Insurance office of Behala.Office Address-Div-II,1D,Diamond Harbour Road(Behala Trum Depot),1st Fl,Kolkata-700034.Account Officer Mr.Ratan fully Co-Operated and admit that there was a mistake from there part also as they have not checked the amount properly.So he told to deposit the amount by cash and he has also told while depositing the cash amount he will adjust the earlier cash of 28 rupees extra for tax.I was ready to pay the amount by Cash.But the Div Manager Mr.Ashis Dey of Behala office started shouting at my wife and behave very roughly and told that my policy is cancelled and they will not take the amount by cash since it has crossed the due date and if we are interested then we have to show all fit medical document from Apollo.He also instruct to go to Apollo Hospital for medical test.
why they have not checked the cheque properly?Why they have deposited the cheque to Bank?Why Natioanl Insurance behela accounts division accepted a faulty cheque which means they have not checked the cheque.So they are also guilty.
Now my question is this the policy of National Insurance to Harass customer like that? since they are also faulty.
Kindly help me and please solve this problem
Ananda Shankar Chakraborty