Dear Sir,

We have taken Family health policy from United india through bank of maharastra and sent the docs in original for a claim on 01.01.2010 and till date not received any kind of reply from MD India, who is operating as TPA for United India Insurance Co.

We have tried communicating with them several time, they just kept us holding on phone about 15 munites every time we call them, finaly i visited them at their pune office, and gave a reply that they will settle the claim within 3 days.

We tried comunicating after that via emails and phone calls, no one replied on the same, niether returned our original documents,

Documents we have to prove

1. Copy of Policy
2. Copy of all the correspondense we have done with them.

Kindly suggest us what whould we do now, we have unnesessarily paid the premium and it was worth nothing, and we have the policy still valid.

Awaiting your help so that we can get our claim.

thanks & Regds
Uday- 9619771182

Dear Sir,

With due respect I would like to draw your kind attention which are as follows :-

I, Sri PRANAB KUMAR DEY is suffering from “Colone Cancer” since last 2004, right now my treatment is going on under the guidance of Dr. G.S. Bhattacharya (MD In-Charge of Medical Oncology, AMRI Hospital) (Member of National Cancer Control Programme, Govt. of INDIA), Member (Task Force) ICMR, Govt. of INDIA, (Advisor, Dept of Science & Technology, Govt. of INDIA).

Sir, I have done my Mediclaim Policy in the year 2005-06 (under Arogya Raksha Mediclaim Policy) through “INDIAN BANK” of 36/1, Vivekananda Road, Kolkata – 700 007. Please note my Policy is with “United India Insurance Co. My Policy No. 2009/48410000308/1, My TPA is TTK Health Care TPA Pvt. Ltd.

Please be informed that I have gone through two major operations of “Cancer” which was done by Dr. A.P. Majumder, in the year 2004 & 2008 respectively in S.V.S. Marwari Hospital, 118, Raja Ram Mohan Roy Sarani, Kolkata – 700 009 & AMRI Hospital, Kolkata. Dr. A.P. Majumder is the M.S. Dean Oncology, AMRI Hospital, Dhakuria, Kolkata.

Sir, it is also for your kind information that since the activation of my Policy i.e. from Last 2005, I have not submitted any claims, irrespective of various difficulties arose in my life. Sir, on 21.12.2009 morning, I had taken admission in AMRI Hospital, Dhakuria (P- 4 & 5, C.I.T. Scheme – LXXII, Block – A, Gariahat Road, Beside Dhakuria Bridge, Kolkata – 700 029) for taking ‘Chemotherapy’ as per the advice of Dr. G.S. Bhattacharya, and before taking admission I submitted the necessary Mediclaim form which was duly filled-up by me along with other relevant documents for availing the “CASHLESS BENEFIT” through Proper channel, as per the rules of the AMRI Hospital.

Sir, I regret to mention that my appeal was out rightly rejected by the Mediclaim Authority saying “it is a Pre-existing diseases” (irrespective of Hon’ble Supreme Court’s advice in this regard i.e. Pre existing disease must be granted if it is a non claim y continuous policy upto 4 years from the insertion of the policy & also the policy should be flawless/without break upto 4 years). Secondly the Mediclaim Authority also mentioned I have discontinued my Policy at the time depositing the premium during the 4th year, hence it is not a flawless policy.

Sir, the fact is I have deposited my Premium in time/within due date with the INDIAN BANK (ready to submit necessary papers and letters of the Bank).

Please note, if some delay / miscommunication would have occurred then it was not happened from my part (ready to submi copy of the Bank letter in this regard).

Sir, on my part my Mediclaim Policy is a continuously insured /renewed & flawless, non claimed Policy. Hence I am completely eligible to avail the “CASHLESS BENEFIT / REIMBURSEABLE TREATMENT”, as because I am a non-claimer Mediclaim Policy Holder since the insertion of my policy i.e. from last September 2005.

Sir, as you know that treatment of “Cancer” is very very expensive, which I am taking since 2004 without any Mediclaim help till date.

At this juncture I would like to request you to kindly take up my matter with “INDIAN BANK 36/1, VIVEKANANDA ROAD, KOLKATA – 700 007 and to the CHIEF MANAGER, INDIAN BANK, 1 B. BANCASSURANCE SERVICE CENTRE, 66 RAJAJI SALAI, CHENNAI – 600 001, also it would be very kind of you if would please take up this matter with TPA M/s. TTK Health Care Services (P) Ltd. (email id : help@ttkhealthcareservices.com) also kindly take up the matter with “UNITED INSURANCE CO. LTD. Chennai, so that I can avail the facility of Mediclaim.

Sir, lastly I would like to appeal to your goodself, please help me to Survive a few more days without giving more pains to my aged Parents.

Awaiting your sympathetic early reply, Sir.

With regards,

PRANAB KUMAR DEY (Patient)
Mobile No. : +91 9339826572, +91 9830680311
Email : pranabde@yahoo.com & prasun_k_dey@yahoo.co.in
Residential Address :
C/o. Sri Rabindra Nath Dey
2/2, Dr. Jiban Ratan Dhar Road,
Dum Dum, Kolkata – 700 028

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