i have a parivar mediclaim with national insurance but i am told that i cannot increase the sum assured till my father reaches 65. how is this possible.

I have taken mediclaim policy 3 years back[completed]. My policy number is 261101/48/10/8500005264. I have a policy for Rs.2,00,000. Recently I had undergone surgery for acute apendicitis (Appendix). My total expenses was Rs.1,29,222.00(All proofs submitted in April 2011), however my claim was just settled to 1,00,000 (on 15th August 2011) stating the reason as "SUM INSURED RESTRICTED TO RS.1,00,000/- (ONE LAC ONLY) FOR PRESENT ILLNESS". I contacted my agent in Bank of India,Malad(W), Mumbai, he stated that I should get full claim. Hence I registered my grievance with National Insurance company on 27/08/2011 on their website, however I have still not received any reply. I cant understand what is going on with the mediclaim procedure. It was better when it was cashless....Atleast we dont have to spend a single penny...We are not getting our own money? I would like to know the reason why my claim is not settled in full.. Please reply me at streamgservices@hotmail.com

I purchased a swastha bima policy through the Bank of India, Purulia Branch [West Bengal]some four years back. I still advise my Bank to pay the annual premium in time. In the brochure it was mentioned that after 3 claimfree years all members were supposed to get free Health Check-ups of 1% of the policy amount. I contacted both the Bank and the local branch of NIC Ltd severally but they could not provide any information in this regard. We have already completed 4 years of claimfree continuation. Please advise me in this regard at the earliest and oblige. Thanx in advance.

what is the limit in UHI policy in 1 time hospitalation and maximum amount can be claim in this.

I have purchased reliance family floater[2 2] (gold) 3 years back for i lacs ,no reimbursement is being made during this period,now I want to change my insurance company to some nationalized company like new india or, united so on,my question is will they give me some rebates for renewal or not?If yes,how much ,what'll be the approximate yrly premium?

Is sterilization covered under cashless policy, since its a Govt of India priority area?

The insurance company ensures the safety of the vehicle but do not assure that the contact numbers of the company given in the document are correct or not..........:)

My father who suffered from Lymphoma, underwent chemotherapy both in 2007 and 2010. Last month he went through PET scan that indicates that he does not have cancer anymore. Can he opt for Varishta Health Policy? Will he be covered under the Critical Illness if he suffers from cancer in future? Kindly let me know as soon as possible.

My father& Mother are covered under BOI NAtional Swasthya BIMA policy. THey took insurance on 16/02/2009 against policy no 320400/48/08/8500006710. THey lready paid for renewal of the policy, await new policy for this year. TOday Mother went to Eye doctor and Dr told to get cataract operaion in next few months being start of the same.

I am 26 years old.I want to take health insurance policy. How to take? which is the best company? If it is 15 hears policy, I have just pay for 5 years is there any chance to get back my money whatever paid till that date? Is there any chance to transfer my HI policy to any of my family members.