I have your IOB health policy of Rs.50000 sum assured since last 3 years. Can i increase the sum assured to 1 lakh or 2 lakh during next time renewal without affecting my policy seniority. no claims during last 3 years. please reply regards

Hi Every one. First time i have opted for Healtcare plus.It was one month before i have given my cheque for premium.On the next day they have deducted the amount from my account towards the premium.But till date i have not recieved any documents related to the policy from Bank/Insurence company. Got a careless answer from bank when i started doing followup regarding the documents. As this is a PSU , no one is interested to take the responsibility.They are just saying to wait for one more week.Now , my doubt is , in the inetial stage only if their response is like this , @ the time of claim how they are goint to response. Im in a total confusion now.

i had your policy no 2824/52588757/02/0000 from karnataka bank, allahabad. for last 3 years, i was admitted at Nazareth hospital allahabad on 24th may 2015 at around 12.30 a.m. and was discharged on 25th may 2015 in the afternoon. i gave the claim to your representative Mr. Amit Jaiswal on 2nd june 2015 the claim was of around Rs.6000/-. It was promised that the claim will be settled within 15-20 days i.e. is around 20-25 th june 2015 when i contacted your representative at Allahabad Bank civil lines allahabad then i came to know that mr. amit jaiswal has left the job. Another person Mr. Akaram helped me in tracessing the documents. After two days of his labour he found the documents in the Almira. He processed the document around 30th june 2015 since then query after query are comming. I met your Brance Manage Mr. Rahul at your ashok nagar, allahabad office. He took all the required papers in around 15th july 2015 and after about one month later around 20th august 2015 a representative of e-meditk came and again took all the photocopy of all the papers again and letter from. He went to the Nazareth hospital for verification the hospital people told him that they don't put the time of discharge of the discharge certificate as the patients the discharged generally after the doctors visit either in the morning or in the evening. the claim is of just Rs.6000/- and it seems that your company use to harass the people who don't go on your listed hospitals for cashless treatment. Till date there is query and no settlement. this shows that the company have no faith in his own staff and the staff have no faith in the company that is why the staffs are leaving the company. It seems that the company is good but the management is very very bad or worst as they are interested in their listed hospital only so that their personal interests are met. the management of the company is not interested in the welfare of the company or of company customer