I wanted to share and want advice from your side regarding claim from mediclaim policy. Recently my father suffered from a minor heart attack for which doctor recommended for coronary angioplasty stent operation which costed about 3.5 lacs. We have taken a mediclaim policy (floater ) for the family from National Insurance And TPA Alankit healthcare in which my father has mediclaim of 1.5 lacs . It is active since 2005. during the time of claim filing , we came across that there was a policy lapse in 2011-12 for a month due to cheque bounce . During that time , we just got a letter to pay the required amount again with additional Rs.100 for cheque bounce, we payed that and there was NOTHING mentioned that “FROM NOW ONWARDS IT WILL BE TREATED AS NEW POLICY”. Now the TPA has refused to give the claim as they wanted to submit policy continuation certificate(Endorsement Certificate) for that period of month and left us helpless.
I wanted to know is there any chance or hope to get some amount of mediclaim as it has been in continuation from past 6 years. And I also wanted to add that when the new policy documents were made and received they still have mentioned the previous policy number . If they took as new policy then why they have mentioned previous policy number.
Waiting for your positive reply .