I PUR A MEDICLAIM POLICY FROM UNITED INDIA INS CO THROUGH INSTANT HEALTHCARE CO PVT LTD 1107 NEW DELHI HOUSE BARAKHAMBA ROAD DELHI FIRST TIME IN 31 OCT 2007.I RENEW IT 2008.IN 2009 I DEPOSIT A CHEQUE AGAINST THIS POLICY RENEWAL ON 20 OCT 2010 RECEIPT NO-7257.UNFORTUNATLY I HV TO ADMIT MY SON SHUBHAM JAIN IN NCR HOSPITAL CROSSLEY PUSHPANJALI HOSPITAL DUE TO SHORTAGE OF BED IN DELHI ON 01 NOV 2009.WHO WAS SUFFERING FROM DENGUE.AT THAT TIME IHPL DIDNT SEND THE POLICY.DUE TO THIS I DIDNT GET CASHLESS FACILITY.AFTER DISCHARGE THE PATIENT I SUBMIT ALL DOCUMENTS RELATED TREATMENT.AT THIS TIME IHPL ISSUE TO ME TPA ID-OI-IHP4/6909485 OF ORIENTAL INS CO AND TPA E-MEDITEK.IN FEB 2010 IHPL SEND TO ME BHARTI AXA GENRAL INS CO POLICY Q0005928.IN THIS POLICY TPA IS GENINS INDIA TPA LTD.E-MEDITEK TPA REFUSE THE CLAIM.I WANT TO ASK E-MEDITEK ACCORDING TO WHICH POLICY IT DENIED TO APPROV MY CLAIM.IT DENIAL UNDER UNITED INDIA INS CO POLICY OR ORIENTAL INS CO POLICY OR BHARTI AXA GENRAL INS CO POLICY.WHILE POLICY OF UNITED INDIA INS HAS BEEN EXPIRED BEFORE THE TREATMENT.ORIENTAL INS CO HAS NOT ISSUE THIS POLICY ANY TIME.IHPL ISSUED OIC TPA CARD IN BAD WAY.WHEN MY SON ADMITTED I DIDNT HV ANY POLICY.SO OF WHICH POLICIES RULES AND REGULATION WILL I FOLLOW.I WANT TO ASK IRDA THAT ANY TPA HAS RIGHT TO REMOVE ROLE NCR FROM HIS PANNAL.WHEN MY CHILD WAS SUFFERING FROM DENGUE I WILL SEE MY SON OR POLICY CLAUSE.IHPL HAD ENDED CONTINUTY OF POLICY WHAT IS THE PUNISHMENT OF IT.IHPL IS SELLING HIS POLICY IN HEAVY RATES AND CHEAT ALL CUSTOMER.IF ANYONE INVESTIGATE THEN FOUND VERY BIG FRAD OF MILLIONS.I WROTE TO IHPL,E-MEDITEK.IRDA,CONSUMER FOARM,POLICE DEPARTMENT,OMBUSDMEN,ANTY CRUPPTION BUREAU AND CRIME BRANCH FOR JUSTICE.BUT I AM NOT SATISFIED FROM ANYWHERE.