[Resolved] Cholamandalam Ms General Insurance Co Ltd:leisure Travel Insurance — Delay in reimbursement of checked baggage delay

Dr.C.S.Rangarajan

Address:

Chennai, Tamil Nadu

When once the claim for 'checked in baggage delay' is accepted, whether the Insurance Company can refuse to send the 'reimbursement money' by means of a cheque direct to the Bankers of the Insured upon specific request from the Insured. The Insurer refuse to send the cheque direct to the Banker of the insured.The Insurer insist that the 'reimbursement money' can only be sent to the insured's account by means of online transfer. Insurer ask for IFSC Code of the Banker, whereas Banker says that the IFSC Code is not operational just now. In what clause of the terms and conditions governing the insurance, is there a provision based on which online transfer alone is relied upon by the Insurer.

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Aug 14, 2020

Complaint marked as Resolved

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Comments

Dr.C.S.RANGARAJAN

Despite the fact that a complaint captioned "Delay in Reimbursement of Checked Baggage Delay" has been lodged, the Insurer in question has not come forward to quote the relevant provisions from their 'terms and conditions' which arms them with the power to deny reimbursement by means other than online transfer. Even the Insurance Regulatory and Development Authority of India, Insurance Ombudsman and Consumer Forum may not come to the rescue of the Insurer under reference. Leave alone the question of reimbursement, courtesy demands that the insurance company should offer explanations to smoothen the ruffled feelings of customers whose patronage keeps the
wheels of the company hum with activity.