My father, mother,me and my sister have oriental insurance mediclaim policy since 2001. My father had a heart attack in 2006 and claim for Rs. 300000 was fulfilled by the insurance company. After that the company raised the premium and my father's individual insurance cover was increased to Rs 450000. Now he had a bypass grafting and the company refused to foot the entire bill of 365000 saying that they will only pay Rs 300000 as it was for a disease which they had paid earlier. So what do you suggest for me to do in this situation?