Hello Sir,

I am not sure if I should term this as a suggestion or complaint.

My son is a hemophilic which is a genetic disorder. (Its a rare blood disorder wherein blood does not
clot). As of today there is no 100% cure for it and the treatment cost is quite high. Govt. of India do give
the required factor free of cost at hemophilia treatment center (80+ centers do exists throughout India
in various cities.) The treatment is On Demand. In spite of an initiative by NGOs and hemophilia
federation and state govt health dept. efforts, the fact remains same means, the stock is limited at the
centres and stock flush quickly or the factor is not available to patients when needed and the patients
are in deep pain. The alternative treatment for such patients is either blood transfusion or use fresh
plasma which is a product extracted from blood. Its quite risky as chances of getting infected may be
HIV + or any other blood borne disorder. Ironically these patients already are struggling to live a normal
life and with this kind of threat of getting exposed to blood borne disease they are forced to live a
miserable life. The sad part is the sufferers are the kids, teenagers and youth. Just to portrait few simple
cases, these patients cannot be given regular injections; vaccines as blood do not clot. The required
factor has to be injected then the vaccine has to be given , in fact this is true with any treatment where
injection has to be given, Loosing baby tooth is natural phenomenon and for this natural thing its
nightmare for the kids with hemophilia and their parents. Playing in gardens and on playground is first
wish of any kid, these patients cant play, as chances of have any injury and knees or joint damage might
lead for permanent disabilities to them. In other countries the patients are treated not On Demand
but are on prophylaxis, means the patient with hemophilia is given the required factor (medicine)
weekly twice or thrice. A low dose also plays an important role and is really a boon for them to live a
normal life. With prophylaxis patients do live absolutely normal life as others. Now why such treatment
is not available in India. Its because of cost associated with the factors. All the required factors are
imported from either USA or Europe or some other country. We have around 25000 registered patients
in India and in reality might be even more and we import the factors from other countries. I was just
doing some review on condition in other countries the small country say Korea , they do have only 2500
patients and they have a facility or a company who manufacture the required factors or other required
medicines in their own country and even export. Then a question comes in my mind where do we as a
nation do lag. After Jan Aushadhi Scheme came into picture the medicines is now available at
reasonable and affordable prices even most low income economical group of our society. Just to give an
example we have Govt. manufacturing facilities say Hindustan antibiotic in pune which is on the verge to
close down the operations. Why not MAKE IN INDIA. I may be absolute stupid in saying this but why to
depend on other nation to manufacture. At least it does not suit to me as an Indian.

Secondly, not a single insurance company in India does provide an insurance policy to these patients.
This is something trying to snatch their right to live with dignity. I personally have faced denial of issuing
insurance policy for my 20 months baby. The reason was, my kid does have hemophilia, this is
something un acceptable. Insurance companies do provide insurance to smokers, drug addicts and
heavy drinkers, also have rehabilitation centers, insurance is available for a mobile (which costs less than
rs.3000/-), machines more over insurance schemes are also available for pet animals like cats and
dogs but is not given to a person with a genetic disorder, and more over its not of his fault. (1/3 of the
patients are victims of spontaneous mutation. Does he or his family do not have any right to live a
normal life. Is it because others are being gifted a normal life and these are been specially gifted.

I have taken the policy particularly when it was been displayed on the webpage that the policy is mainly
for hemophilic patients. When I asked why the policy is been denied, the reply was by mistake a draft
content was been uploaded on webpage and after realizing our mistake we have removed the particular
webpage. I had even raised this issue to IRDA, but unfortunately nothing happened. By denying the
policy by ROYALSUNDARAM makes me feel as if whatever hospitalization, medication required for my
baby is only because of hemophilia and nothing else. According to them, his viral infection or swine flu is
going to infect him only because he is a hemophilic, which is absolutely wrong. I am attaching the web
page content when I had opted for the policy for my kid and afterwards a lot of email communication
happened and finally the policy was denied to my kid on the ground of genetic disorder.

Now recently disability due to hemophilia is been included in disability bill, 2016. A disabled person will
get covered in some insurance or med claim policy but nothing for normal person with hemophilia. Its
strange. In other words the patient has to get disabled first and then he is eligible for the cover.

There are many issues associated with such genetic disorder. Say it may be guilt for women or mother as
she is a carrier of the defective gene, or it may be educational problem of kids due to hemophilia. I can
narrate many. But I am a strong believer and have a faith that if the medication is provided at
affordable cost and at right time 99 % of the issues will be automatically resolved and disability itself will
not come into picture.

Again I dont want to complain about the situation and I do accept the fact also, I have a strong feeling
that things will change and those has to change. I may not be in a position, where I can make the
change. From my side I am ready to do whatever I can. As I am from the land of Maharashtra, and a
follower of Lokmana Tilak I love to recite ,
-

Dear sir if possible can you look into it. I look forward for your action.
Health Insurance for Hemophilia | Royal Sundaram https://www.royalsundaram.in/health-insurance/health-diseases/hemoph...

For buying a new policy call 094444 48899. For customer service call 1860 425 0000.

what are you searching for today? quick links

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Health Insurance for Hemophilia Clearly mentions the

policy is for hemophilia

Need help with Insurance?

Select a Product
Hemophilia is a rare genetic disorder that causes blood to thin significantly reducing its ability to clot. The blood is unable to
clot because it does not have sufficient blood-clotting proteins also known as clotting factors.
Call Me Back

For patients with hemophilia, small cuts aren't usually very problematic. The bigger risk is deep bleeding inside the body,
especially in the areas around the knees, ankles and elbows. This kind of internal bleeding can damage organs and tissues, By filling the above form I agree to receive a call to explain

and may be life-threatening. It is classified as hemophilia A, B and C. the product, even if I am registered under NDNC

Although there is no cure yet for hemophilia, with proper care and precautions, patients diagnosed with it can lead normal
lives.

i. Inexplicable and heavy bleeding from cuts or injuries

ii. Heavy bleeding after surgeries or dental work

iii. Bruising easily or large bruises

iv. Atypical bleeding after vaccinations

v. Pain, swelling or tightness in joints Clearly mentions the

vi. Blood in urine or stool policy is for hemophilia
vii. Nosebleeds without a known cause

viii. Inexplicable irritability in infants

In case you are diagnosed with hemophilia, medical attention should be sought immediately. Royal Sundaram's health
insurance plans are available with provisions such as pre- and post-hospitalization expenses, lifetime renewal, and other
features. Meeting the medical costs arising from a condition such as hemophilia can be accomplished with Royal Sundaram
health insurance for hemophilia.

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1 of 2 26/12/2016 13:01
Health Insurance for Hemophilia | Royal Sundaram https://www.royalsundaram.in/health-insurance/health-diseases/hemoph...

For buying a new policy call 094444 48899. For customer service call 1860 425 0000.
Claim Services iLink Agent Portal Unclaimed Amount Policyholder Sitemap IRDA Consumer Education
Public Disclosure Disclaimer Copyright Forms Central

Insurance is the subject matter of solicitation.

Royal Sundaram General Insurance Co. Limited. All Rights Reserved.
IRDA Registration NO: 102. Granted on October 23, 2000.
Registered Office: No.21, Patullos Road, Chennai - 600 002.
CIN : U67200TN2000PLC045611

Royal Sundaram Customers are requested to remit the premium by way of cheque,demand draft (drawn in favour of Royal Sundaram General Insurance Co. Limited), or any other approved banking
sted to avoid payment of premium by cash as far as possible. For any clarifications, please call us on 1860-4250000.

isk factors, terms and conditions, please read the sales brochure carefully, before concluding a sale.
ent : You must have Internet Explorer 8.0 & above, Mozilla Firefox 12.0 & above,Chrome.

Need help with Insurance?

Select a Product

Call Me Back

By filling the above form I agree to receive a call to explain

the product, even if I am registered under NDNC

2 of 2 26/12/2016 13:01
Gmail - RE:'Royal Sundaram=962-735' Re: Proposal No. PC01916440 https://mail.google.com/mail/u/0/?ui=2&ik=30e332fc44&view=pt&q...

milindkulkarni2005 . <milindskulkarni2005@gmail.com>

RE:'Royal Sundaram=962-735' Re: Proposal No. PC01916440

5 messages

Grievance Redressal <Grievance.Redressal@royalsundaram.in> Mon, Jan 9, 2017 at 12:56 PM

Reply-To: Grievance.Redressal@royalsundaram.in
To: Milind Kulkarni <milindskulkarni2005@gmail.com>

Dear Mr. Kulkarni,

This is with reference to your e-mail dated January 08, 2017.

With reference to the query on the details that were mentioned in the website, we would like to inform that we were in the process of updating our website and
while in the process of updating & testing there was some draft content which got accidently uploaded and hence you were able to see some pages related to
various diseases. Post going live we were doing a sanity check and found the error and hence the content was removed.

We would like to confirm that as communicated by our underwriters we do not cover Hemophilia which is a genetic disorder.

During the conversation with our sales team it has been confirmed that the policy issuance is subject to Underwriting guidelines. Hence, we regret our inability to
accommodate your request on the issuance of the policy.

Hope this clarifies your query and regret any misunderstanding and inconvenience.
Assuring you of our best service always.

Yours sincerely,
Divya R S
Grievance Redressal
Royal Sundaram General Insurance Co. Limited.
_____________________________________________________________________________________________________________
You can now reach us through your mobile device. Buy, Renew or make a service request at http://m.royalsundaram.in instantly .

We insure: Health | Home | Personal Accident | Travel | Motor | Establishments | Fire | Marine | Engineering | Liability | Rural | RSBY.
--------------------------------------------------------------------------------------------------------------------
Disclaimer : Royal Sundaram Customers are requested to remit the premium by way of cheque, demand draft (drawn in favour of Royal Sundaram General Insurance Company Limited), or any other
approved banking mode.

Customers are requested to avoid payment of premium by cash as far as possible. For any clarifications, please call us on 1860-425-0000. www.royalsundaram.in

-----Original Message-----
From: Milind Kulkarni (milindskulkarni2005@gmail.com)
Date: Sunday, January 08, 2017 01:37 PM
To: Grievance.Redressal@royalsundaram.in (Grievance.Redressal@royalsundaram.in)
Cc: complaints@irda.gov.in (complaints@irda.gov.in)
Subject: Re: Proposal No. PC01916440

Dear sir

Kindly update me on the above subject matter.

Regards

Milind Kulkarni

On Jan 2, 2017 12:37 PM, "Milind Kulkarni" <milindskulkarni2005@gmail.com> wrote:

Dear Sir,
Thank you very much for your reply. Going forward I would like to
state that based on your representation on the site and relied upon
the information provided I have applied for the policy,more over when
I have spoken to your telecommunicator while taking the policy he has
also confirmed the coverage for haemophilia. Now you are denying the
policy which is not right on your part.Request you to kindly issue the
policy and confirm, failing which I would have to go for other legal
remedy.

Warm Regards.
Milind Kulkarni

On Fri, Dec 30, 2016 at 10:07 PM, Grievance Redressal

<Grievance.Redressal@royalsundaram.in> wrote:
> Dear Mr. Kulkarni,
>
> This is with reference to your e-mail addressed to Mr. T.M. Shyam Sunder
> dated December 28, 2016.
>
> With reference to the query you have raised regarding the policy for you son
> which you had applied viewing a webpage on our website regarding Hemophilia
> we would like to inform you that we were in the process of updating our
> website and while in the process of updating & testing there was some draft
> content which got accidently uploaded and hence you were able to see some
> pages related to various diseases. Post going live we were doing a sanity
> check and found the error and hence the content was removed.
>

1 of 5 02/03/2017 07:27
Gmail - RE:'Royal Sundaram=962-735' Re: Proposal No. PC01916440 https://mail.google.com/mail/u/0/?ui=2&ik=30e332fc44&view=pt&q...

>
> We would like to confirm that as communicated by our underwriters we do not
> cover Hemophilia which is a genetic disorder.
>
>
>
> We sincerely regret the inconvenience caused to you and thanks for your
> understanding.
>
>
> Please contact us in case of any query or clarification, or if you require
> any other assistance.
>
> Assuring you of our best service always.
>
> Yours sincerely,
> Venkatakrishnan J.
> Grievance Redressal
> Royal Sundaram General Insurance Co. Limited.
>
>
> _____________________________________________________________________________________________________________
> You can now reach us through your mobile device. Buy, Renew or make a
> service request at http://m.royalsundaram.in instantly .
>
> We insure: Health | Home | Personal Accident | Travel | Motor |
> Establishments | Fire | Marine | Engineering | Liability | Rural | RSBY.
>
> --------------------------------------------------------------------------------------------------------------------
>
> Disclaimer : Royal Sundaram Customers are requested to remit the premium by
> way of cheque, demand draft (drawn in favour of Royal Sundaram General
> Insurance Company Limited), or any other approved banking mode.
>
>
>
> Customers are requested to avoid payment of premium by cash as far as
> possible. For any clarifications, please call us on 1860-425-0000.
> www.royalsundaram.in
>
> ________________________________________________________________________________________________________________________
________________________________
> Notice of Confidentiality
>
> This transmission contains information that may be confidential and that may
> also be privileged. Unless you are the intended recipient of the message (or
> authorised to receive it for the intended recipient) you may not copy,
> forward, or otherwise use it, or disclose it or its contents to anyone else.
> If you have received this transmission in error please notify us immediately
> and delete it from your system.
>
> Royal Sundaram General Insurance Co. Limited.
> ========================================================================================================================
===============
> ______________________________________________________________________
> This email has been scanned by the Symantec Email Security.cloud service.
> For more information please visit http://www.symanteccloud.com
> ______________________________________________________________________

--
Regards

Milind Kulkarni
9422307956

______________________________________________________________________
This email has been scanned by the Symantec Email Security.cloud service.
For more information please visit http://www.symanteccloud.com
______________________________________________________________________
________________________________________________________________________________________________________________________
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Notice of Confidentiality

This transmission contains information that may be confidential and that may also be privileged. Unless you are the intended recipient of the message (or authorised to
receive it for the intended recipient) you may not copy, forward, or otherwise use it, or disclose it or its contents to anyone else. If you have received this transmission
in error please notify us immediately and delete it from your system.

Royal Sundaram General Insurance Co. Limited.

========================================================================================================================
===============
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This email has been scanned by the Symantec Email Security.cloud service.
For more information please visit http://www.symanteccloud.com
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Milind Kulkarni <milindskulkarni2005@gmail.com> Sun, Jan 15, 2017 at 1:31 PM

To: Grievance.Redressal@royalsundaram.in, complaints@irda.gov.in

2 of 5 02/03/2017 07:27
Gmail - RE:'Royal Sundaram=962-735' Re: Proposal No. PC01916440 https://mail.google.com/mail/u/0/?ui=2&ik=30e332fc44&view=pt&q...

Dear divya,

Thanks for your email. You have just copy pasted the earlier email and not addressed the actual cause. Right from day one I am saying
that i had taken policy based on the information which was available on web page and even had a word many time before actuall going ahead for the payment of the
policy. After wards you had removed the content from your web site stating it was draft and bla bla and denying the policy with a reason of hemophilia. Tomorrow you
(do not to take personally!) will say that the entire website is on testing and we are doing our the sanity check and finding the error and removing the content. To find
out your error why i should get suffered. I have taken the policy after reading the web content and having word with the person who is part of your company. Kindly let
me know why i should not put up a case for mental agony against you for denying the policy as it has caused a lot of harassment to me since last couple of weeks.

I even has said that you can put hemophilia as an exclusion for life time. Not an issue. I have even said that i am ready to pay a higher premium than what is been
charged say 2 times.

Kindly revert back to me on the above so that i can take further action. Looking forward to issuing policy to me with an exclusion of hemophilia.

Regards

Milind Kulkarni

[Quoted text hidden]

complaints IRDA <complaints@irda.gov.in> Mon, Jan 16, 2017 at 1:00 PM

To: Milind Kulkarni <milindskulkarni2005@gmail.com>

We acknowledge your mail.

As we found information to be incomplete to register your complaint, we request you to send the complete details in the below mentioned format or you can
contact 155255 (Toll Free) to register the complaint.

* Mandatory Fields

*Name of Complainant Mr./Ms.

Communication Details

*Door No./ Bldg/Name/ Floor

Street / Area

*City/Town/Panchayath/Village

Taluk/Tehzil

District

*State

*Pin Code

E- Mail

Telephone No

*Mobile No 91

Fax No

*Insurance Type (Please mentioned Insurance Type

*Life

* Non Life

*Insurance Company Name

*Date of Birth of Policy Holder

*Policy No:

Cover Note:

Other Reference No:

Policy serving Brach Code/Address

3 of 5 02/03/2017 07:27
Gmail - RE:'Royal Sundaram=962-735' Re: Proposal No. PC01916440 https://mail.google.com/mail/u/0/?ui=2&ik=30e332fc44&view=pt&q...

*Details of the Complaint (Please type the full details of the complaint)

*Have you Approached Insurance Company Regarding This Grievance (If Yes Provide Ref No )

Regards,

Consumer Affairs Department

IRDA

Basheerbagh

Hyderabad

"Caution against spurious calls and ictitious offers - IRDA does not involve, directly or through any representa ve, in sale of any kind of insurance or
nancial products. IRDA does not announce any bonus for policyholders or insurers. Any person making any kind of transac on with such
individuals/agents will be doing the same at his / her own risk."

[Quoted text hidden]

"This mail may contain confidential or proprietary information intended only for the use of the addressee(s) named above or may contain information
that is legally privileged. If you are not the intended addressee, or the person responsible for delivering it to the intended addressee, you are hereby
notified that reading, disseminating, distributing or copying this mail is strictly prohibited. If you have received this mail by mistake, please
immediately notify us by replying to the mail and delete the original mail and any copies immediately thereafter.

Caution: The Insurance Regulatory & Development Authority is the Regulator for the insurance sector and does not carry out any prospecting or sales. Please do not
respond to such offers however official or attractive they may look. These are spurious offers/calls.

Milind Kulkarni <milindskulkarni2005@gmail.com> Mon, Jan 16, 2017 at 1:54 PM

To: complaints IRDA <complaints@irda.gov.in>

Dear IRDA,

Find below the data required.

On Mon, Jan 16, 2017 at 1:00 PM, complaints IRDA <complaints@irda.gov.in> wrote:

We acknowledge your mail.

As we found information to be incomplete to register your complaint, we request you to send the complete details in the below mentioned format or you can
contact 155255 (Toll Free) to register the complaint.

* Mandatory Fields

*Name of Complainant Mr./Ms. Milind S Kulkarni

Communication Details

*Door No./ Bldg/Name/ Floor A-504, Reelicon Olivia

Street / Area Survey No 6/11,

*City/Town/Panchayath/Village Ambegaon (Budruk)

Taluk/Tehzil Katraj, Pune

District Pune

*State Maharashtra

*Pin Code 411052

E- Mail milindskulkarni2005@gmail.com

Telephone No

*Mobile No 919422307956

Fax No

*Insurance Type (Please mentioned Insurance Type

*Life Life

4 of 5 02/03/2017 07:27
Gmail - RE:'Royal Sundaram=962-735' Re: Proposal No. PC01916440 https://mail.google.com/mail/u/0/?ui=2&ik=30e332fc44&view=pt&q...

* Non Life

*Insurance Company Name Royal Sundaram

*Date of Birth of Policy Holder 07-May-2015

*Policy No: Proposal No. PC01916440

Cover Note:

Other Reference No:

Policy serving Brach Code/Address

*Details of the Complaint (Please type the full details of the complaint) Refer Below #

*Have you Approached Insurance Company Regarding This Grievance (If Yes Provide Ref No ) Yes, Received email which i had attached to this previously.
Details of complain :
I have taken a policy for my son , who is a hemophiliac after reading on royal sundaram's website that the royal sundarams policy do cover hemophilia as well. I am
also attaching the snap of the web page (now this content is been removed from the website, after my policy is been denied!)

Not only the website, before proceeding for the payment i had several calls to the call centre and had several times with Mr. Pravin of royal sundaram about
confirmation on hemophilia coverage. He has told me that he does have a approval from his TL/PL and i can take online policy. I had paid money online and after two
days royal sundaram has denied the policy stating that the kid is having hemophilia.

Now, its something wrong, and i had asked royal sundaram to issue me the policy as i had taken the policy as hemophilia is been covered and it was mentioned. After
sending them this reply royall sundaram has removed the particular content from website and gave a reason that some draft content was been uploaded on
website....... and we can not issue a policy as hemophilia is a genetic disorder.

This is something wrong, as i have taken the policy as it covers hemophilia as mentioned on website and even while talking with the telecommunicator Mr. Pravin and
even mentioned in the form for opting the policy. After that i have even said you can either increase the premium to say 2 times and issue the policy and i am ok with it.
Still policy is not been issued to me .

All this has caused a lot of mental agony for me as well. I would request you to kindly look into the matter and help me.

Regards

Milind Kulkarni

[Quoted text hidden]

[Quoted text hidden]

Health Insurance for Hemophilia Royal Sundaram.pdf

280K

complaints IRDA <complaints@irda.gov.in> Wed, Jan 18, 2017 at 11:59 AM

To: milindskulkarni2005@gmail.com
Cc: Customer Service <customer.services@royalsundaram.in>

Dear Sir/Madam,

We acknowledge your mail.

Your complaint has been registered and forwarded to the Insurer (Email ID copied herein).

You may follow-up with the Insurer at the given email ID and/or revert to us (our call center 155 255) if not attended within 15 days.

Your grievance application No is: 01-17-007454 which may be quoted in future correspondence with IRDAI and further follow-up with
Insurer.

Regards,

Consumer Affairs Department

IRDAI

Basheerbagh

Hyderabad

"Caution against spurious calls and ictitious offers - IRDAI does not involve, directly or through any representative, in sale of any kind of insurance or
inancial products. IRDAI does not announce any bonus for policyholders or insurers. Any person making any kind of transaction with such
individuals/agents will be doing the same at his / her own risk."
[Quoted text hidden]
[Quoted text hidden]

Health Insurance for Hemophilia Royal Sundaram.pdf

280K

5 of 5 02/03/2017 07:27