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Can Insurers restrict upgrading health insurance at the time of renewal?
Hope you are well. My father and mother have separate health insurance policies from National Insurance. Unfortunately since the past 5-6 years my father had to take about 5-6 claims due to some issues in his abdomen. He was hospitalized in May of this year also. The agent harassed us to the core, he never told us what documents are required so we had to go to the hospital again and again. He lost the documents set once. We were not aware of the room limit clause so money was deducted. We asked him about the calculation but he told us to talk to the TPA. TPA didn't answer any query. So, we complained to the IRDA then they admitted their mistake and released about 2500.
Now my father's age is 60 years. Two years back I was told that he has taken claims so his sum insured cannot be increased. Is it true that if a claim is taken for even once we cannot increase the sum insured?
My mother's age is 54. Her policy is due in 2 days. Agent is ignoring us as we filed a complaint. Called him from another number he said that his office will not accept our cheque or cash for premium and told us to pay online if we want to continue with the insurance. I told him that on national insurance's website we cannot increase the limit online. Then he said that he cannot do anything. What should we do in this case?