sanguineinsurance @gmail.com writes Grievances can be sent to CALL CENTER : TOLL FREE NO:155255 Contact information: Complaints against Non-life insurance companies: Private Insurers: Shri K.Srinivas, Asst. Director, Insurance Regulatory and Development Authority Consumer Affairs Department United India Tower, 9th floor, 3-5-817/818, Basheerbagh, Hyderabad – 500 029. e-mail ids:complaints@irda.gov.in Public Sector Insurers: Mr.R.Srinivasan, Officer on Special Duty Insurance Regulatory and Development Authority Consumer Affairs Department United India Tower, 9th floor, 3-5-817/818, Basheerbagh, Hyderabad – 500 029. e-mail ids: complaints@irda.gov.in Complaints against Life Insurance Companies: Mr. T Venkateswara Rao, Deputy Director Insurance Regulatory and Development Authority Consumer Affairs Department United India Tower, 9th floor, 3-5-817/818, Basheerbagh, Hyderabad – 500 029. e-mail id: complaints@irda.gov.in Register The IGMS can be used by policyholders but they must first register themselves on the site www.igms.irda.gov.in/ Information Apart from providing personal details and contact information, the complainant must select an identification number such as PAN, passport number, voter ID, etc.

Who frames the rules, conduct and terms for insurance policies: Finance ministry or IRDA or insurance companies themselves?? Most of the govt insurance companies discontinue the cover under personal accident and health insurance after insured reaches particular age. Who has approved such policies? Pl. give copy of circular in this regard issued by or approved by Dept. of Financial Services, Insurance Division. 7. Most of the general insurance companies offer cashless card for health cover. But they or their TPA approves this card and sanction limits to hospital against request for cashless approval. a] Whether as per government guidelines prior approval is necessary ?? Pl. give relevant copy of circular. b) Can insurer / TPA ask for copies of policy/ policies inspite of insured carrying valid cashless card and getting admitted in approved panel hospital Even if he possesses cashless card or original copy of latest valid policy document? c) Can insurer ask for 6 to 10 years of policy documents? Is insured suppose to keep old policy documents? If yes then for how many years. d) With in what time frame in the approvals for cashless admission/ treatment / hospitalization must be given by insurers as per the guidelines of govt/ IRDA? Give copy of same. e) If the cashless approval does not come and patient has been admitted in emergency and is not in his home town and is unable to get funds then what is a remedy for such cases?? f) Have u fixed some penalty / cancellation of licence for erring insurers / TPA’s and what is a procedure? g) Whether settlement of claim depends on latest policy terms or is based on old policies too??? In accounts we carry forward all debits and credits to latest balance sheet. And the latest balance sheet reflects the true and latest status/ balances of anyone. Same way the latest policy should contain all limitations/ exclusions / what company will pay, what is the percentage of expenses allowed per day on room etc. But insurers / TPA’s ask form insured copies of old policy documents?? Pl. give copy of relevant documents / govt guidelines/ IRDA guidelines on this issue.

sir, i had invested 45000/- in 1994 in senior citizen plan of u t i,and was given an insurance cover for expances on treatment,i was given no claim bonus and the total amount swelled to over 7 lacs.Last year i got injury in my eye.It was operated several times. and my bill for operation and medicines swelled to 1.80 lacs which included my hospital fee medicines. my transport from Sikar to DELHI as no train connection was there so taxi charges,and some of my previous bills of treatment which were of small amounts.I was handed over a cheque of nearly 67000/- my repeated enquiries as to how so much deduction were made,did not get a response. in fact this whole money is for treatment of me and my spouse.I am 72 yrs i asked that if I dont survive long enough to utilize this amount where this money goes. No reply to this. also can U please solve this.I was in touch with 01123741283, neerja Patra manager at uti Delhi my policy no is 109540310000230,,109540300000230,DR V.K.Khanna M.D FICA USA LLb Sikar liondrvkkhanna@yahoo.co.in

sir,
i m runing a trust ...can i take a policy in the name of one of my director