Oriental Insurance Co. Ltd. (OICL)'s TPA has delayed settlement of my mediclaims repeatedly. In my last claim, Rs. 176 were deducted without proper justification. I sent repeated email to its TPA, OICL Surat, OICL New Delhi. I did not get any reply. Finally, I complained to OICL CMD and OICL Chief Vigilance Officer. Then Rs. 176 have been credited to my account.