[Resolved]  Reliance General Insurance — Insurance not renewed

Policy No.:[protected]
Renewal Policy No.:[protected]

I had subscribed to this policy in 2007 via Mr. Vipin of M/s Bajaj Capital and thereafter renewed the same in 2008 vide the same company. I had handed over the cheque for the same to a Bajaj Capital representative on12/2/2009. Attached is the official receipt of Bajaj Capital Ltd. indicating that cheque no. 623405 dated 11/02/2009 drawn on Citibank was handed over to their official on 12/2/2009.

To my surprise and extreme embarrassment, I had presented my Reliance Healthwise Card at Max Devki Devi Super Speciality Hospital towards the admission of my son, I was told that my policy had expired. This was not only the most embarrassing moment but also extremely stressful as I had to make alternate arrangements to pay towards the hospitalisation expenses. On following up and creating a login at the Reliance General Insurance website (samrat.[protected]@gmail.com), I learnt that this policy indeed expired on 13/02/2009.

When my executive followed with the staff at Bajaj Capital, I was told the Reliance had rejected the renewal of my policy 2 months after its renewal date (sometime in April 2009) stating that they have discontinued the Gold Plan. I have also followed up with RGICL by leaving an offline message on your live chat application as per my email below.

"I was very surprised to learn that the above policy has not been renewed by our Agent Bajaj Capital Ltd. On contacting Bajaj Capital I was told that Reliance General Insurance had rejected the renewal of this policy sometime in April 2009, while I had given the cheque for the same to Bajaj Capital in February 2009 itself. I would like to know as to WHY my policy was denied renewal so that I can take up the matter with the appropriate authorities. This has left me in a very embarassing situation when my son was admitted in Max Devki Devi Hospital and I was told that my insurance has expired."

I also attach a copy of my policy with this email.

On speaking with RGICL call center executives at 39898282 and [protected] (Ms.Supriya) I find it extremely surprising that nobody was able to provide me with a fax number to fax my complaint. All I was told was that there is NO fax no. to contact RGICL. This is indeed the height o[censored]nprofessionalism.

What I would like to know from RGICL / Bajaj Capital's end is:

1. Was my policy denied renewal in February 2009 (as stated by Bajaj Capital)?
2. If yes, then why was I not intimated about the same as I am the customer who would suffer the trauma in case of emergency?
3. If no, then WHY was my policy not renewed in February 2009?

I also stand to lose on the following grounds due to the non-renewal of my policy:

1. the amounts I paid for year 1 and year 2 have been wasted.
2. the benefits that would have accrued to me from the 3rd year, would now no longer be valid.
3. I would now be a fresh applicant with a fresh mediclaim policy if I plan to take one.
4. Apart from the above 3 points, the non-renewal of my policy has caused me the greatest stress, humiliation and embarrassment at the hospital.