New India Assurance — Reimbursement of medical claim no.[protected]

Address: Mumbai City, Maharashtra, 400097

My claim no. is[protected]
Claimant - Ms. Poonam J Deriya.

I received your latter for repudiation of the above mentioned claim. Saying the reason that present ailment is non-payable during first 30 day's of the policy. However I have renewed this policy on12th of August 2016 and Ms. Poonam was admitted on 11th of September 2016. August month is of 31st days, so as per date of renewed this policy (12 th Aug ) we can count 20 days in month of August and 11 September she was admitted so in month of Sep we can count 10 days. Total 30 days (20August+ 10september ) and on 31 st day after renewed the policy i.e 11th of September 2016 she was admitted. So I can see that there is an totally completion of 30 days.

Second reason u have mentioned that the symptoms of said ailment were before 4-5 days of admission. So, if any patient is suffering from any circumstances, u can directly go to hospital an admit the patient ? or else u can go to local or family doctor for few days n than if patient is not filling well than only u can admit the patient in hospital?

However if there is an any condition apply than please let me know the terms and condition.