Medical insurance
I am 58 years old. I took ICICI health policy in 2014. I have applied for a third claim in March 2017, but the insurance has rejected the claim giving unwanted reasons. Inspite of providing all supporting medical documents to counter their baseless rejection reasons, they are refusing to accept it and are stubborn that they will not pay the claim at any cost and say that "who are you to ask us any reason."
I have filed a case with IRDA for mediation, but since then the insurance company harassment has increased. They have sent me fraudulent back dated recovery notice of already paid claim of more than 1 year ago. Now, they have sent me policy cancellation notice with another invalid reason and when I submitted the required documents, to pressurize me further they are threatening to file unwanted complaints against the treating doctor. IRDA has made it clear that policy cannot be cancelled when the matter is under their consideration. But still the bullying of the insurance company is not stopping and I want to know:
1. What legal actions can be taken against the insurance company?
2. I want to take up the criminal conspiracy and harassment matter in particularly with regard to the back dated fraudulent papers provided by them and unfair reason for policy cancellation?
3. Does the consumer court accept the unfair business practice or do we have to file it in the criminal court?
4. What is the compensation that can be claimed in this matter?