I had a health insurance with ICICI Lombard from 28.12.2009 to 27.12.2010.I changed the insurance to APOLLO MUNICH on 28.12.2010 & I was told that last year will be considered in this new policy & waiting period for many disease will be reduced by 1 year accordingly. I paid the premium cheque and due to some unavoidable reason the cheque bounced and I paid again by demand draft on 28.01.2011.My POLICY issued on 28.12.2010 was cancelled & new POLICY was issued on 28.01.2011.At that time i never thought that this policy is totally new for me & no 1 year reduction will be done in waiting period. When on December 14 I applied for cashless facility for surgery of my wife the insurance company rejected the same by giving the reason that the surgery is under waiting period of 2 years but in reality almost 3 years are completed. APOLLO MUNICH is giving the reason that my policy is not a continuous policy from ICICI LOMBARD but a totally new one & it will complete 2 years on 27.01.2013.KINDLY SUGGEST WHAT TO DO as my Insurance claim is of around Rs.60000 (Sixty thousand only).
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