Request for sum insured getting rejected under Manipal Cigna Pro Health Group policy
I have a Manipal Cigna Pro Health group insurance policy purchased from Union Bank for my father aged 64. His current SI is 10 lakhs which I requested Manipal Cigna to increase to 20 lakhs . But they are not giving me the option to increase the SI apparently because I had raised and got processed two claims for two angioplasties for my father last year ( 2022) , though they have not yet stated so explicitly. In contrast my mother who has a similar policy has been given the option to increase SI to 20 lakhs.
I have read the policy wording and it does not state " increase in sum insured request is subject to underwriting" or anything of that sort . Can the insurer reject my request for SI increase under these circumstances ? Is there anything I can do under the circumstances to address this ? For now I have raised a complaint to their head of customer service but want to understand my options in this situation.