On 02-02-2015 brought iffcotokio health insurance. I has renewed the same on 02-02-2016. On 11-04-2016 I was admitted in a network hospital for chest pain. Iffco tokio denied my cash less facility stating 2 year waiting period for heart disease. When I informed with policy bazaar Mr Naresh claim head informed me that it is not covered in my plan. so I questioned him why your executive doesnt informed me about waiting period for heart disease.
So he told me there are 1000 of disease which are not possble to informed while purchasing. I told him there are 0nly10-12 disease which are in two year waiting period and that he has t informed me. but mr naresh was not listening me he was taking his employees side. I also informed him that I had taken one more policy from poilcy bazaar i.r term policy from religare. and that executive informed me to take rider for heart disease. So I question him then why this executive informed me about rider plan. Then that executive should have explain me about wider plan which doesnt has two year waiting period for heart disease.
My findings show I am not suffering from heart disease and I has to pay the medical expense inspite of having mediclaim.