HDFC Standard Life Insurance - MIssale of Policy
Policy no. 12825957
I am a Policy holder of HDFC Standard Life Insuarnce, the policy number mentioned above.
I registered this policy to get and know about the Policy on 29.11.2009 only and really surprise to know the details of the Policy.
When I filled the Form at their Kolkata (Jeevan Deep-Middleton Street) Office then a Lady who took the signature explained me a different policy which is related with Loan from HDFC Home Finance to cover the Loan and Life. The policy which was explained me was for 5 Years prmium payment and sum assured for Rs.5 Lacs equivalent to the loan amount. On that basis I submitted a Cheque of Canara Bank. I took the loan as an NRI and before leaving India in the month of December'08, there was a standing instruction to HDFC Home Finance to add the first year prmium with my Loan Amount and returened back the said cheque.
When I came to know about the Policy then I requested to HDFC Standard Life Insurance to return back my money with Interest. Here, I like to inform that the amount of Rs.50,000/- 1st year premium was also taken as loan from HDFC Home Finance.
In reply, to that they have narrated a false story and replied as follows :-On conducting a detailed investigation on this matter, we have concluded that all the features and details of this plan were explained to you at the time of taking the policy. Hence we are unable to treat it as a missale.
Please look into matter and arrange to take necessary action.
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