[Resolved]  Bajaj Allianz — Their Travel Insurance service is so pathetic that you can call them a FRAUD!

Address:

Dakshina Kannada, Karnataka

My family members have been using Bajaj Allianz Travel Insurance since 2004, the year I moved to New Zealand. In 11 years we made 1 claim in December 2014 only to realize that Bajaj Allianz insurance is absolutely useless. If I had read the reviews in this forum in the past I would never have let my family send lakhs on Bajaj Allianz. 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 their overseas emergency number was not working. Finally we managed to contact them via the insurance agent in India and lodged our claim. There was a delay in obtaining hospital reports but they provided us with a discharge summary with the diagnoses. Once we submitted the hospital summary, without asking for any further supporting document they rejected our claim. Finally when I complained through their Facebook portal, they re-opened the claim and asked for more hospital documents. The cat and mouse game of rejection and re-opening of the case happened 3 times. Finally when they managed to give me a nonsense reason for the assumption of pre-existing condition, 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 from Pune - hopeless and incompetent) 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 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. I think they are a FRAUD and not sure how many more people have been victimized by them. Next step from us will be spreading awareness on social media so that people stop using the phony Bajaj Allianz products. Bajaj Allianz Sucks big time. Absolutely hopeless and incompetent.