Apollo Munich Health Insurance — policy terminated why are you taking money in the name of premium cheating in the name of insurance company

Address:

516203

My name is Suman Mallela, I have taken the Heath Insurance Policy in Apollo Munich Health Insurance Company in the
Year[protected] with the Policy Number AA00213929 in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000 Paid First Premium Rs.19446.50
Renewed for Year[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name MaximaSum Assured Amount 300000, Paid Second Premium Rs.19446.50
Renewed for Year[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000, Paid Third Premium Rs.19446.50
They also increased the premium since the Insured Member age is crossed 60 Years from 19446.50/- to 29301/- I have paid the premium amount before the due date that mean earlier than the actual policy start date.
Renewed for[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000, Paid Premium amount 29301/- before the Due date but the Policy term is not started when they raise the termination notice. So I have the receipt of the payment made.
Every Year I take my father for Health Check up same way we have done the health checkup in Manipal Hospital Old Airport road Bangalore on 27th March 2018 and the doctor asked my father do you have any problem then my father replied that I will become tied if I walk and claim then he suggested to do angiogram test then in the same day we decided to the test and admitted him for cash less approaching the Apollo Munich Health Insurance help desk.
Rather collecting the reports from hospital they force me to submit all the old reports which I have in the name of Mr Subbarayudu Mallela hence I found few very old reports of Treadmill test and gave the same with the help desk.
They have rejected the claim for the angiogram test and I have paid from my own pocket around Rs.20000/-
We got the reports on the same day that he is perfectly all right I thought I will go for reimbursement.
After we discharge from hospital I received SMS from Apollo Munich Insurance Company about terminating the Policy Number AA00213929 in the Name of Mr Subbarayudu Mallela for Non disclosing the old reports.
While I was applying for the policy I have clearly explained the Apollo Insurance Company employee about the previous history for Policy Member Mr Subbarayudu Mallela.
The Apollo Munich Insurance Employee guided me that Apollo Munich Insurance Company will prefer the Insured Member to do the Health checkup Process and if the Member has any issues Apollo Munch Insurance will not Issue the Policy.
Same way they gave the preferred hospital name and the insured member attended the Health Checkup Process and the reports were sent to directly to Insurance company and the Health Checkup Process has the ECG/Treadmill test and they said the member is perfectly alright and issued the Policy in the same month and year.
Now the Apollo Munich Insurance company terminating the policy since the Member of the Policy age is crossed 60 Years, in india insurance companies are not interested to provide the insurance who cross the age of 60 Years since the Insured Member age also crossing the age of 60 they are finding the problems of the patents and terminating the policy.
Before Issuing the Policy the Insured Member is already attended the Health Checkup Process initiated by Apollo Munich Insurance Company and after checking the all the health reports the Insurance Company issued the policy in the Name of Mr Subbarayudu Mallela.
Note: I called the Apollo Insurance Company to discuss about the issue which is created by the company on the Policy Number AA00213929 in the Name of Mr Subbarayudu Mallela.
They are not ready to discuss about the issue, when I ask about[protected] Premium which I have paid before the due date if you are terminating the policy do I get the refund they replied that we will not refund the premium even though the services are not yet started.
If Insurance Companies are looting the money without services I am really sad and irritated about the companies how they are making money by looting from common man.