Dear Sir,

We are sorry to request your precious time for matters like these but after more and
enough correspondence with M/s.National Insurance company and TPA M/s.E-Meditek
Solutions (IRDA License no:007),we are left out with no other option other than
seeking your kind help.

The attached email excerpts are documentary evidence of how TPA M/s.E-Meditek makes
demands for unnecessary documents, the significance of which are unknown to the
Insurance Company as well.

It has been more than 1.5 months for claim no.1 and more than a year for claim no.2
but we are yet to receive compensation in spite of submitting genuine sufficient
documents.

Senior officials like Dr.M.C Agarwal (CRM Chief, National Insurance), Mr.K.P
Srinivasan (Incharge, Mumbai) have extended support to us at all times but they
themselves agree that they have no control over their TPA M/s.E-Meditek .Also, they
humbly accept that they are fed up of M/s.E-Meditek as much as the policy holders
and they have appointed a new TPA to resolve the problem.

However, unfortunately our above mentioned claims are under M/s.E-Meditek and we
haven't received any compensation till date.

We have tried to contact M/s.E-Meditek number of times through Phone, Email etc. but
all in vain.

In fact Mr.K.P Srinivasan was kind enough to give us the Mobile number of
Dr.Yashendra (9819011998) but the same was never answered.

We look forward for your kind intervention in order to receive compensation against
both our above mentioned claims and monetary compensation against the large amount
of precious time, money and energy wasted.

Also, We would like to bring to your notice that we are not the only family
suffering due to the behaviour of M/s. E-Meditek but there are hundreds of such
other cases against this party lodged on various consumer forums on the internet.



Dear Sir,

This letter refers to the claim lodged on 10/12/08 for the expenses incurred towards
the Osteoporosis treatment of Mrs.Sumitra Tekriwal.

We have submitted all documents as demanded in the claim form and completed all
procedures as per the guide lines of your company.

In spite of doing the tedious documentation,we have received a letter from
M/s.E-Meditek Solutions ( Discrepancy Letter No:EMSL/DISC/122008/00238499) asking
for the following:

1.)Past policy details with claim status of last 4 years certified by national
insurance

2.)Exact Duration of Osteoporosis Certified by treating doctor

We request you to let us know the following:

1.)Is it our duty to arrange the document asked above in point no.1 or the same
shall be sought by the third party directly from National Insurance?

2.)What is the significance of the document demanded in point no.2 mentioned above?

What is meant by duration of osteoporosis?Please elaborate.

This sort of troublesome claim procedures,unnecessarily bothering the customer for
documents which have no significance reflects upon the in genuine attitude of the
third party M/s.E-Meditek Solutions.

We request you to look into this matter on top priority and do the needful for
getting the claim processed avoiding any further trouble and waste of precious
time,your's as well as ours.

Best Regards

Manoj Tekriwal

Mobile# +91-9821854347

Mr.Tekriwal,

We thankfully acknowledge your mail asking for reasons for demanding certain
information by TPA in order to settle your which has been preferred on us.We do not
know whether this policy under which claim is lodged is the first policy or renewal
of previous one.However the information intended for is to rule out the possibility
of pre-existing disease, which is an exclusion. Thus you will appreciate the same is
to facilitate settlement of claim.



As regards to information under item no.1 we are also advising policy issuing office
to make their efforts for providing desired information to TPA if they are having
all the details of previous years policies. While as information under item 2 is to
be provided by you only from a treating Doctor.Duration of disease means the time
span of it or in more clear terms when the disease Osteoporosis was first detected/
came in notice.



Copy of this mail is also being forwarded to Regional office I Mumbai under whose
control policy issuing office is working with a request to extend all possible
cooperation to you in this connection.We hope you will listen from them in due
coarse of time or else you may contact them at pm.vaz@nic.co.in (Mrs.P.M.Vaz) or
sn.bhalerao@nic.co.in(Mr.S.N.Bhalerao,RM).



We valued your time sir.

With Warm Regards

Dr. M C Agarwal
Chief Manager & CPIO
CRM DEPTT.
National Insurance Co.Ltd.
Head Office,3,Middleton Street
Kolkata 700071





To: dryashendra@emeditek.com

Cc: Anita.Nagothanekar@nic.co.in ; MC.Agarwal@nic.co.in ; PM.Vaz@nic.co.in ;
SN.Bhalerao@nic.co.in ; NC.Chowdhury@nic.co.in ; KP.Srinivasan@nic.co.in ;
Aman.M.Tekriwal

Sent: Tuesday, January 13, 2009 3:25 PM

Subject: Manoj Tekriwal - Troublesome claim procedure



Dr Yash,



Kindly release this payment on priority basis, if requirements are complied with.



- regards,

K. Prasanna Srinivasan
Manager,

National Insurance Co Ltd

Mumbai DO 7 (250700)
Phone 022 2261 0110
Fax 022 2267 5149
email KP.Srinivasan@nic.co.in


Dear Dr.MC Agarwal,

Please refer to the appended email.In spite of clear instructions from senior
officials like Mr.K.Prasanna Srinivasan from your

company,TPA E-Meditek does not respond.The fact that they have a habit of harassing
customers by demanding unnecessary

documents was already known but now it seems they have a similar attitude towards
the insurance company.

Also Ms.Anita Nagothanekar(Yadav) at your Mumbai branch is not at all bothered to
respond to the customer.I have given her

details of my past pending claim(other than the one in discussion) as mentioned below

Claim No. : NI/INDV/32007/00139868

Policy number: 250700/48/06/8500000451 but she never bothered to reply.

I am sorry to mention but private companies like ICICI lombard,Reliance general are
able to dispatch the cheque within 2 weeks of

claim submission,they have cashless tie-ups with the best of the hospitals,and their
staff is highly customer responsive.

However I shall appreciate once again,the prompt response and customer responsive
attitude reflected from your way of

working as an individual,but I am sorry to say that the same is no where visible in
your staff.

Best Regards

Manoj Tekriwal

From: MC.Agarwal@nic.co.in

To: tekriwalaman@gmail.com

Sent: Sunday, February 01, 2009 9:57 PM

Subject: Re:Mediclaim-Shri Manoj Tekriwal





Dear Mr.Srinivasan,

Greetings of the day !After exchanging 15-20 emails, It was a pleasure talking to
you on 06/02/2008.

The conclusions I have derived out of the conversation are as follows:

1.)The payment against the claim which is to be funded by National Insurance is at
TPA's discretion.

2.)Ours is not the only case,but there are a large number of people who are facing
problems with M/s.EMeditek

3.)National Insurance has decided to go for a new TPA for the new and the renewed
policies.

We strongly believe that every penny paid by us to National Insurance as premium was
hard earned and all the claims

requested by us till date were/are very genuine.Also we are confident that honesty
is an integral part of New

India's organizational culture.

But,the fact remains that TPA M/s.E-Meditek is taking us all for a ride.We thank you
for giving us contact

details of M/s.E-meditek,but as informed by you well in advance,they do not respond
to telephone

calls/emails.

A lot of time,money,energy has already been wasted at both ends.Also,while
purchasing the policy,we had

taken into consideration National Insurances reputation and not E-Meditek.In order
to close this asap we propose the

following:

1.) National Insurance to directly pay us for both our pending claims over ruling
all inefficient

procedures,documentation within 7 working days.

2.)If required National Insurance can do an in-house reassessment of the claim to
confirm genuinity.

3.)We shall refund immediately any double payment if received from E-Meditek

Please take your time and let us know your decision within a working day.Incase we
do not receive your

response,we will be forced to take up the matter with Mr.Vashisht(Insurance
ombudsman) for Maharashtra.

Best Regards

Manoj Tekriwal