[Resolved]  Bajaj Allianz — A saga of travel insurance FRAUD! Hopeless service !

Address:

Dakshina Kannada, Karnataka

I have been a victim of this insurance fraud as well. If only I had known about so many complaints I would have not asked my family to use this company. We have used Bajaj Allianz since 2004 and our first claim has turned into a nightmare. All those lakhs spent on insurance so far feels like a waste. On 15th December 2015, my father-in-law was admitted to the Waikato Hospital in Hamilton, New Zealand for a day due to chest pain. It was not easy to contact Bajaj Allianz on the same day as the overseas emergency number was not working (I dont think it ever works). Finally we managed to contact Bajaj Allianz via the insurance agent in India and lodged our claim. There was a delay in obtaining hospital reports but the hospital provided us with a discharge summary with the diagnoses. Once we provided the hospital summary, without asking for any further supporting document and solely based on a hospital summary (which they did not understand), they rejected our claim within days. Finally when I complained through their Facebook portal, they re-opened the claim and asked for more hospital documents. They rejected and re-opened our claim atleast 3 times and said it was a pre-existing condition but never replied to me about how they determined that his condition was pre-existing. Finally when they managed to give me a nonsense reason, I forwarded their email to the hospital and the doctor who treated my FIL said this reason is invalid and his admission was not due to any pre-existing condition. The doctor gave me a letter explaining the treatment and specifically mentioning that my FIL's chest pain is not due to any pre-existing condition. After obtaining the letter, they asked me to provide medical notes from the physician who initially assessed my FIL and referred him to the hospital admission. When we sent them the records along with a letter from the physician that his preliminary diagnoses does not look like it was a pre-existing condition. It has been 6 weeks since those documents were forwarded to Lakshmi (the case manager based at Pune) and a total of 6 months since the hospital admission without resolution. All I hear back from them is that the documents have been forwarded to experts for assessment which I think is ! The hospital and doctor bill is only approx NZD $3500. But why should we let these companies bully us. Since last two weeks my emails to Lakshmi is bouncing back. Not sure if they are deliberately doing it but I have cc’ed in 5 other people from the same department so that someone gets my email. After reading the complaints in this forum, I realized that it was all a delay tactics to make people sick and tired and finally give up. I think Bajaj Allianz is a FRAUD and not sure how many more people have been victimized by them. I have contacted a solicitor and have given him printouts of all the email correspondence close to 70 emails. If my case is not resolved within a week we will be sending a legal notice proving the case managers competency in handling the case. I will also make sure that message is forwarded to millions using social media. Bajaj Allianz, you suck! after being a loyal customer for 11 years all we get is crap service.