Following complaint is lodged just, today with IRDAI with copy to NICL, MoF, IBA and Chairman of CBI
Dear Sir,
Please go through the attachment, (the circular issued by Bank for renewal of insurance cover health policy) wherein premium amount for domiciliary and without domiciliary cover of Rs 4 lac to officers and 3 lac to for Award staff.
They are extremely high and costly for only 2 persons health insurance, out of which one person is senior citizen and other one, the dependent may or may not be senior citizen.
For a Rs 4 lac domiciliary cover, a huge premium of Rs. 80067 which is costly by Rs 47803 in comparison to non domiciliary cover premium Rs 32264. The more surprise is, that, payment of this extra money Rs 47803 will extend benefit of reimbursement of Rs 40000 only. (maximum 10% of cover of Rs 4lac that too a sub limit within overall cover.)
Please look into. What is the logic to pay (extra) Rs 47803 (80067 - 32264) in one go to claim only Rs 40000 that too in instalments, if treatment taken.
The basic premium Rs 32264 is already much costly to retired persons whose pension is not updated since last 35years and hardly any barely leading the old age livelihoods, more over premium fixed with domiciliary cover is contrary to all rules/ethics/logics. That higher amount of premium be paid 47803/- to claim lesser amount 40000/- than the premium amount paid. (47803 - 40000)
I smell some big scam, dalaali, commission or bribe in fixing the exorbitant and irrational rates of premium for retired bankers compared to other companies playing in the market.
I lodge my complaint against this decision of IBA, National Insurance Company Ltd and UFBU leaders, who are parties of this bad healthcare insurance cove. In this way, IBA and Insurance Company both are looting retired bankers from all hands.
I look forward a timely response and resolution with action against the bad parties of the agreement.
Regards
Jaichand Bunkar
Retired Chief Manager (041720)
Central Bank of India, Delhi
IBA approved Health Insurance Policy Holder.
Mobile 9971030031
Sent from Yahoo Mail on Android
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