I mrs. Neelu singhal took a mediclaim policy under the name icici health saver.There executive came to us and told that you are like my elder sister and told that the above policy was very good for our family due to the following reasons:- 1)the policy works two ways-a)as mediclaim b)as insurance 2)the premium is to be paid upto 2019(start date-august-2010),and the policy will continue upto 75 yrs of age. 3)if we need any loan from the policy,we can take after 3yrs.Of policy. But this yr.When we tried to contact the executive,he never came or replied to us.Thereafter we went to the company office for clearance.The company officials said that 1)the policy works only as mediclaim and works like saver by increase in amount of any accident. 2)to continue the policy upto 75 yrs.We have to pay premium upto 75 yrs.Else the policy will lapse.Also in case of non payment,the sum assured will also decrease every year as extra charges. 3)theres no procedure like taking loan from the same policy. So,knowing all these facts,i requsted the company to refund all our money(rs.2084 per month i.E.-yrly around 5008 ruppees)which the highest money for any mediclaim i suppose. Till then i have given many emails to them.But everytime i get a response the we are looking into the matter.The icici people befooled us.Now at the time of admission of my elder son,i thought,i can use this policy.But out of no use.Where should i go?Any solutions???????