[Resolved]  Vijaya Bank — Non receipt of Mediclaim Policy for the year ending 2012 - SB Account No.[protected]

Address: Maharashtra

.SIVARMAKRISHNAN 3/C-29, Shivnath CHS Ltd.,
Piramal Nagar, S.V.Road,
Goregaon (West),
Mumbai 400 104.

18th December 2012


The Senior Branch Manager,
Vijaya Bank,
Matunga (East),
MUMBAI – 400 019.

(Kind Attn: JAGADEESH T.N.)

Dear Sir,

Sub: Non-receipt of Medi-claim policy for the premium debited from my
SB Account of [protected] for the year ending 2012 &
Continuance of Policy 0725600/48/10/41/00001988 with United
India Insurance, Bangalore.
….
I am holding SB Account No. [protected] with your Branch, whereby I had the privilege of having Health Insurance Mediclaim Policy bearing No.072600/48/10/41/00001988 with United India Insurance, Bangalore.

The first premium of Rs.3483/- was debited to my above SB Account on 19/12/2008. Subsequently, an amount of Rs.3419/- each was debited on 14/12/2009 and 16/12/2010 towards mediclaim premium for the year ending 2011 and 2012 respectively but so far Policy is not received by me.

I had followed up the issue of non-receipt of Policy personally, telephonically and through written representation but I was informed by the Dealer that the same had been issued long back, probably the same might have been returned back undelivered.

On 11/12/2012, during my personal to your Branch and on meeting you personally I came to know that DD No.920135 dt.10/12/2011 for Rs.5725/- (premium amount of Rs.3419/ - towards my policy and the balance amount for somebody else) was prepared and dispatched by your Branch, which too was not en-cashed till date.

As till date nothing is heard about the policy, it is requested that you take up the matter with the Insurance Company for issuance of the Policy for the year ending 2012(i.e. period December 2011 to December 2012). Furthermore, I also request you to debit the current year premium from the above savings bank account towards the premium for the year ending 2012 (i.e. period December 2012 to December 2013) and arrange to get the policy issued at the earlier alongwith I/Cards etc.

In this context, I would also like to add that for the last three years I have not claimed any amount this policy and hence I am entitled for no claim bonuses. The same issue may also be taken up with the Insurance Company for re-calculation of the premium amount.

Last but the least, I would like to state that I have not received any prospectus for the said scheme although three years have elapsed. The same may also be arranged from the Insurance Company.

Despite my frequent chasing with the Bank authorities nothing is forthcoming. Hence I request you to do the needful as I am unable to run pillar to post at the age of 61.

Thanking you,



Yours faithfully,



(N.SIVARAMAKRISHNAN