[Resolved]  New India Assurance — Non payment of genuine claim

I took a medical insurance from above mentioned company in begining 2008 and for almost two years I never had any claim on it. In the month July 2009, in a routine check up my doctor observed some changes in my ECG and I was recommended angiography which indicated blockages in heart arteries. I was asked to go for a by pass surgery immediately which was done in Aug 2009. When, after the surgery, I submitted the claim it was declined by New India Assurance Co saying that it was a non disclosure at the time of applying for insurance.

How could have I disclosed it when I had never seen a cardiologist in my life before July 2009. This was also mentioned in the medical history and discharge summary that was given by Appolo Hospital where the surgery was conducted.Ii had this surgery after almost two years of taking this insurance. One logical aspect in this case is that I could have not waited for almost two years and risked my life by having heart attack. My cardiologist said that my case is a typical case of silent schemia where some times there are no symptoms.

I, as an Indian expatriate based in the U.A.E. had several options for insurance from off shore companies but for patriotic reasons I opted for New India Assurance. However, this was the way I was treated by this company. They had no intension to pay the claim and therefore came up with unjustified excuse to go of the risk.