CAREINSURANCE formely Religare - Insurance company not honouring heart attack claim siting hypertension diabetes and preknown illness

I am <NAME> an insured person (retired, ** years of age) of Health Insurance policy from CAREINSURANCE (RELIGARE), since <DATE> under policy nbr: <POLICY NUMBER>.
Recently I had a heart attack and am recovering fine currently after addition of * stent in one of the arteries.
My heart attack started on <Date-*>. New to this, my regular doctor recommended me gastro medication. Next day I had relief, then again I had heart pain on <DATE> (* days later). I was diagnosed with a completely new condition of blockages of my arteries at ***%, **% and **%. I never knew about this condition.

Prior to that I had known conditions of diabetes and blood pressure.
Blood pressure was always under control by means of medication and was always <=***. I have provided evidences of same to Religare.
During the claim process, CARE-INSURANCE rejected the cashless claim citing the condition to be "non-disclosure of DIABETES".
We contested and filed the follow-up claim.
*nd time, CARE-INSURANCE rejected the claim due to a) "non-disclosure of hypertension", b) "non-disclosure of pre-existing ailment".


Note:
Diabetes: We disclosed this during our enrollment into this health insurance scheme.
Hypertension: We didn't even know the meaning of hypertension. My blood pressure (always <= ***) and diabetes were being treated by the same doctor, under the same/similar medication. Hence we were under the impression that disclosing Diabetes discloses both items.
Pre-existing: My heart attack was not pre-existent. I never prior to <DATE-*>/<DATE>, even had ECG done. That was the *st time I got to know about blockage of my arteries.
My policy available at: https://www.careinsurance.com/cms/public/uploads/download_center/care---kypb---a*---web.pdf?rv=*.********%************&agentId=********&utm_source=google&utm_medium=cpc&utm_campaign_id=***********&utm_keyword=medical%**insurance%**india&utm_content=CS**&s_kwcid=AL!*****!*!************!e!!g!!medical%**insurance%**india&utm_term=***********&utm_adgroup=************&gclid=Cj*KCQjwl*qSBhD-ARIsACvV*X*WfT-Q*LuUHZZrwbatKFJlyixx*TJuWBHRem-wzknNDDsHZsfp*zUaApKLEALw_wcB clearly covers heart attack under Section-* Benefits.

This way to link Diabetes or hypertension when high BP had always been under control <= ***, is totally wrong, unfair and unjust.
Only * times, I knew about my BP being > *** are from <DATE> (day of admission/stent operation) and <DATE-*> (*st follow up meeting with Doctor who did my stent operation, * days later to heart attack). So if hypertension was the reason for my admission then why again on <DATE-*> my BP was again ***? The instance of my admission on <DATE> clearly was not hypertension, rather it was heart-attack, and hence insurance company should honour my claim.


The way the insurer is switching criteria to reject claims highlights their intent which solely to reject the claim one way or another. Instead of honouring the claim, they are giving us mental tension.


Some more background.
I was always covered under insurance by my son (under dependent parents). However due to covid, he lost job for almost ** months. In between we decided to get a basic insurance cover, which is our current cover. We had this for * months. So intent to get insurance was to have "peace of mind" and not to cover any pre-existing known heart condition.


I have forwarded below mail which I have been using to communicate with CARE-INSURANCE for your reference.
It's been * days since the last communication I sent to them.
My son has been to their office * times to explain their clear background, however been without luck. Hence we are using this channel of yours.
Careinsurance is not following their duty of care towards insurer and causing us mental tenssion and harassement.

Appreciate if you can look into this matter at earliest and if you can please guide my insurer mine is a fair claim and shouldn't be rejected.

Post Script: Per my reading on google, among people above **+, **% have hypertension, so does it mean we would not be covered for unknown illness like heart attack?