a person call me from sbi credt card deptt. regarding health indsurance, i immediately refused the same, but he was persuing and told me that, i am sending the details of policy, if you feel this policy is ok, then pl confirm me, and i will call ou later, I asked him that are u going to deduct the policy amount from my a/c. he reply me that no sir after confirmation, we will deduct. but they have deducted the same from my a/c without my confirmation, after getting bill, i send a mail to sbi card, they did'tn reply and asking for payment and told me that for insurance pl ask to the Royal Sundaram, ia sked to them ,as per them your 60%of amount will be refund to you. I complained sbi representative several times, but they told me that you have to pay the amount (basic chargex 40% premium 2 months late payment ch pl suggest me what to do abhay kumar pandey akp67@rediffmail.com Durgapur