HDFC Life denied critical illness claim without any ground

I have HDFC life term insurance policy to cover my Bajaj Finance home loan for critical illness/disability/death. I had major heart attach with 100% blockage on right artery so gone through angioplasty on 29th October 2018. After discharge from hospital i have submitted critical illness claim to HDFC life, however they have rejected my claim saying i had diabetes at the time of issuing policy, but they have not conducted my any medical test, then how can they say i had diabetes. Also i have my 2 personal term from plan Aegon Life and PNB metlife to cover critical illness. Aegon Life and PNB metlife have taken my all test before giving me term plan and they have approved my critical illness claim within a month without any issue. I have forwarded my claim approval letter from Aegon life and PNB metlife to HDFC life for reference. But still they have denied my claim. Even i have sent them legal notice of mental harrassement but they are not responding to that as well. Now a days insurance companies are just earning money and at the time of claim approval they are rejecting the claim.
My humble request you to look into this on priority

Vikas Nhavkar
Pune 412105, Maharashtra

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