Dear client 

Yes you can go to consumer court and you should file the complaint regarding the cheating they have done with you by submitting false reports and mis guiding you to pay the extra premium.

Also make the hospital party of the petition. So that they will submit the report they have prepared due to which you had to pay extra loading amount on the policy where as it is not mentioned in the policy. 

This discripency can cause a negative effect to claim of your policy to nominee so you should go to court ASAP. 

Yes this is clearly malpractice by them you can file a consumer complaint to seek refund and compensation from them for mental harassment along with the litigation charges.

Issue legal notice through an advocate and file complaint before district consumer forum. 

Yes you can file a consumer complaint for deficiency of service against the said company. 

You can file complaint against insurance company before consumer forum and seek orders to direct insurance company to refund excess premium charges on basis that you are diabetic 

rely upon your 2 test reports which clearly show that you are not a diabetic 

Your case is a fit case for approaching consumer court.You can file case against TATA AIA for  refund the excess premium charges on basis that you have highHB1AC. Use the two reports as evidence . meet a  lawyer who regularly go to consumer court.

The conduct of the Tata AIA insurance agents seem to be highly suspicious and there is apparently a racket to defraud insured like you.

Immediately inform the police about this wrongdoing and ask for registration of the FIR who demanded you extra money.

Now if you are not returned with your money as yet then immediately file a case before the consumer forum wherein you would not only get refund with interest but enough damages and compensation as well.

This is a clear case of unfair trade practice and deficiency of service. 

Yes, you can go to CC and file your case immediately for deficiency in service.

If your grievances were recorded by the insurance company and the same was acknowledged, then you may gather the evidence and file a case before consumer court for deficiency in service.

However it will be difficult to get refund of the excess amount paid by you towards diabetes rider.

The agent of the insurance company is not the authority and moreover you had made only phone calls for refund and never gave any representation to the company in writing, hence for moving to the consumer court, you may give a representation to the company in writing and send the same by registered post after that you may appraoch consumer forum to get your grievances redressed. 

Instead you should file police complaint agasint the comapny and agent. Consumer court another remedy. And TATA is renowned multinational company and not having official I`d , Only insane can believe this. I think you have been cheated. Complain to IRDA too.

Consumer court another remedy.

1. As per the information mentioned in the present query, makes it clear that you have been cheated by then and they have forgotten that you too can avail your legal remedy against their illegal acts.
2. You have not crossed the period of limitation for refund of your money which is three years.
3. Yes, you should file a consumer case in the district forum seeking all money with interest and litigation expenses.
4. It is very annoying that at one place you asked for extra amount to include your diabetic into it and then later on denies to give the benefit or refund the money.
5. Rest, you are free to call me at any time for further legal assistance.