Legal Question in Insurance Law in India

R/ Sir, My son has taken a Medi-claim policy for his family from National Insurance Co.(NIC) through Bank of India (BOI). At renewal time (16.07.10),.BOI- NIC adviced to request for Inclusion of My grand son (borned on 21.06.2010) on completeion of 3 months, we applied on 24.09.10, no response in 2 months, we called on NIC Branch for endorsement, the manager with consultation R.O, told that since said policy is through BOI, at concessional rate, hence NO inclusion/ endorsement in middle of year. No such terms are mentioned in the said policy, is My Grand son ELIGIBLE for inclusion in the said policy? Shall we claim for medical expenses for his hospitalisation, NIC has refused to endorse in midle of year. pl reply.


Asked on 3/14/11, 11:42 am

1 Answer from Attorneys
Santosh Goswami,Advocate sure shot legal

For the satisfactory answer i need to see the terms and conditions of the policy.If the policy is silent over the issue, then a standard yardstick will be applied keeping in view of the other company's policy.

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Answered on 8/05/11, 4:22 am


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