[Resolved] Aviva Life Insurance — LURING CUSTOMERS BY DISPLAYING LOW PREMIUM AND THEN CHARGING ABNORMAL ONCE PREMIUM IS PAID | |||
I would like to bring your attention w.r.t. Aviva’s gimmick for attracting the customers by displaying low premium and charging double by demanding more premium once a person comes into aviva’s net. I had applied for aviva i life online. As per the site after considering my age and non-smoker the premium for Insurance for undersigned amounted to Rs. 13,593/- There were no other terms and conditions mentioned (Snap shot of the same is attached). Accordingly I had paid the said amount of Rs. 13,593/- on 03.01.2012. As per their instruction I had my medical check up on 08.01.2012. Since than, I had not received any message. After my 3 reminders on 9th , 11th and 13th of Jan-11, I had received a mail from AVIA that you would have to pay Rs. 10,258/-more considering your medical conditions, customers details etc. The Pollicy proposal no. NUP75042279 & Policy no. AIL0029402 was given to me. If these types of conditions were clearly mention / displayed with the proportionate increase in premium w.r.t. to any deviation in medical conditions and customer details, I would have already known the approximate amount for insurance and accordingly selected or rejected for considering aviva. May I request your good self to intervene in this matter and do necessary for issuance of my policy as per promised amount in their web site i.e. for Rs. 13,593/- instead of charging double as in this case. Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 3 Comments | |||
Comments
Dear Mr. Kalathiswaran,
We apologise for the inconvenience faced by you. We would like to assure you that the premium in the policy has been decided after thorough analysis of your proposal form and medical report received by our underwriters.
The premium is typically increased if the life insured is found to suffer from a lifestyle disease or any other adverse medical history, hazardous occupation or lifestyle.
We would once again like to confirm you that terms and conditions applicable to the policy are after due diligence of our Underwriters and cannot be modified further.
Should you have any further queries, please do not hesitate to contact our Customer Services Group at[protected] /[protected].
Thanking You,
Yours sincerely,
Customer Advocacy Team
Aviva Life Insurance Co. India Ltd.
Email: [protected]@avivaindia.com
We apologise for the inconvenience faced by you. We would like to assure you that the premium in the policy has been decided after thorough analysis of your proposal form and medical report received by our underwriters.
The premium is typically increased if the life insured is found to suffer from a lifestyle disease or any other adverse medical history, hazardous occupation or lifestyle.
We would once again like to confirm you that terms and conditions applicable to the policy are after due diligence of our Underwriters and cannot be modified further.
Should you have any further queries, please do not hesitate to contact our Customer Services Group at[protected] /[protected].
Thanking You,
Yours sincerely,
Customer Advocacy Team
Aviva Life Insurance Co. India Ltd.
Email: [protected]@avivaindia.com
i have a Query for Aviva Life Insurance.
If the premiums are based on Medical Reports then you should send the details to Customer and If the Customer agrees, then you should start your process for UnderWriting.
Customers are Paying premiums and Customer will decide go-nor Decision Not by Aviva.
If the premiums are based on Medical Reports then you should send the details to Customer and If the Customer agrees, then you should start your process for UnderWriting.
Customers are Paying premiums and Customer will decide go-nor Decision Not by Aviva.
Customer satisfaction rating Customer satisfaction rating is a complex algorithm that helps our users determine how good
a company is at responding and resolving complaints by granting from 1 to 5 stars for each
complaint and then ultimately combining them all for an overall score.
Read more
Read more
80%
Complaints
351
Pending
0
Resolved
278
+91 12 4270 9046
Aviva Tower, Sector Road, DLF Phase V, Sector 43, Gurgaon, Haryana, India - 122003
Regards,
Customer Services team
Aviva India