I have a Platinum Health Insurance Policy with United India. The policy has been in force since 2008 and has been renewed every year. This year when renewing the policy they have downgraded me to Gold which means reduced benefits. They are saying that at the time of the issuance of policy I was 38 years and hence they should have issued the gold policy is applicable. However, I did not lie when I got my first insurance. My date of birth and age were specified, i did my medical tests etc. And for the last 8 years the policy has been renewed as a Platinum policy. I have all the policy documents.

As per IRDA regulations 3.1 and 4, I understand I cant be downgraded to a policy with lower benefits and I also cant be arbitrarily downgraded.

I wanted to understand what recourse I have. Which agencies door do I need to knock for justice and will I get justice in my favour.

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