Consumer Redressal

As I have taken the Health Insurance policy from Reliance General Insurance Co Ltd.and the same policy has been renewed from the last 4 years , now when my wife i.e. the insured person has admitted to the hospital at Mumbai . I have forwarded the doctor certificate and all the required documents to the RcareHealth@rcap.co.in of TPA as I am following up from them on 10.01.2015. I wish to inform you that at the time of selling the policy documents over phone company sales executive told me that everything will be covered after two years of the continued policy term but when I have send the mail through the hospital along with the doctor certificate on 10.01.2015 I have received the sms that your claim has been rejected due to clause6 , i.e. Birth control procedures, hormone replacement therapy, treatment arising from or traceable to pregnancy, childbirth including caesarean section and voluntary medical termination of pregnancy during the first 12 weeks from the date of conception. However, this exclusion will not apply to Ectopic Pregnancy .