LIC
Critical illness claim decline

In 2004 I had Insurance with LIC with my Insurance Agent.. it was just 1, 00, 000 Policy name

I been also asked if i m interested for Riders like Critical illness. I was sure interested so he had marked in the application as i want Critical illness... after my application i been asked for some medical test.. which was done as per call... i have wait for three month around to accept my policy...

the reason i always asked.. they told me due to i asked for riders and its take to get report from Medical officer...

a few month later i got my policy.. and i didnt check if i got the rider.. but there is no one informed me if i got the policy with rider or not..

now in 2010 i got the critical illness and i claim for my rider... and i hear back from LIC that i do not have the Rider on my policy...

i asked why not i have the rider as i have marked and asked for the rider.. and is my medical report was not ok.. if so why not some one inform me that ur medical report is not fine so we can not provide u the critical illness.. i personally come to know.. that the medical report was ok.. just some one lazy didnt inform the division office that i m approved for Critical illness and they declear my policy without rider and.. i m only paying for regular policy without rider..

but i was in the faith all the time.. i have riders with my illness.. so it was not my mistake.. so should i go to consumer court or what should i take the action.. as its not my fault.. if i asked some product... and LIC is not able to accept my complete request. at least they have to inform me the reason they could not allot me rider and i got only Life insurance with no rider... if they didn't inform me ever.. its not my fault if i had knew i could stop my policy and could go by other company... please suggest

Ajay Gangani

ajju.gangani@gmail.com

Company: LIC
Country: India
State: Rajasthan

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