hi

ICICI Lombard sold this policy to me in Nov 2009 and informed me that i will be covered for any major illness under this policy. The lady who was selling me the policy informed me that I should not go by the 9 critical illness (heart failure, renal failure, paralysis, heart transplant etc) mentioned in the policy and I will be covered for any major illness including diabetes and High BP if it happens during the policy tenure. I bought this policy based on this conversation as anyone can have High BP or a Diabetes etc. Presently i am suffering from degenrated discs (spinal cord) which is presurring my nerves and for which doctor are advising me spinal surgery. also doctors found that there are some nerves related problems and i have to undergo for nerve conduction tests etc. in hospital for next 6 days. When i called icici to claim for my illness, they mentioned that this policy is only for the 9 specific illness that are written in the document. This is clearly cheating as while selling the policy they claim so much and now with my present situation they are not approving the claim. the managers at ICICI refused to speak,saying they are busy. Please help/advice as I have paid the entire premium in Nov 2009 only and many other friends of mine has also bought the policy based on their claim. at the age of 35 no body thinks of renal failure or heart transplant if one is healthy so this policy is really a money maker for icici. please help.
regards,
a