Consumer Redressal

REFUSAL TO PAY CLAIMS & RENEW POLICY ON FLIMSY GROUNDS I had a family floater policy from UIIC LTD, Divisional Office, Chembur (E), Mumbai, taken in July 2009 through Canara Bank under a scheme for customers of the bank.I took the policy ( for Rs 300000 ).I suffered some cardiac problems in October 2010 and submitted my claims to the Co. through the TPA GENINS INDIA LTD.The claim for Rs 238011 was rejected by both the UIIC LTD and GENINS INDIA stating that my medical problem was due to PREEXISTING CONDITIONS ( although the surgeon certified it as Non Insulin Dependent Diabetes ), and hence could not be considered.Also, as a punishment, the renewal of the policy ( on 23.07.2011 ) was REFUSED.My particulars are : Name : CHAKRAVARTHY VASUDEVAN, DOB : 27.06.1948, policy No.120700/48/10/41/00000368 Claim Control No. with GENINS INDIA : UN-3-56475.Add: 14/401, Vasant Vihar, Thane (W) 400610, Tel: 022 21711264, (M): 09769119650. I am a retired person.I need the policy as well as the amount o