[Resolved]  HDFC Bank Ergo General Insurance — Have to pay 50% charge of cancellation due to misguidance

Address:

Khordha, Odisha

Hi, This is Padmaja.I got HDFC ergo Health suraksha plan along with my credit card.The HDFC credit card division ensured me the premium I am going to pay is the security deposit for credit card and is reimbursable at the end of 2 yers.The policy costed 110, 70 and that's totally free I just have to pay the security deposit 527 per month. However I got to know from other sources, there is no security charge and the 527 per month is the EMI only for health insurance.Now I raised a request for cancellation.After getting 2-3 calls from ERGO, I got call from HDFC credit card division, Kolkata they told me if I am canceling my policy still I have to pay.I called ergo customer care again and they confirmed no such things my entire amount will be credited once cancellation is there.I confirmed to cancel. As soon as this call over I got another call from credit card division, that person literally requested me if I will cancel the policy, ergo will put cancellation charges on bank even not on me.So I will jsut confirm ergo I want to continue policy..and bank will put a mail that this customer(Padmaja) having transaction issues so bank want to close her policy. I did what they said..my policy was active.I was waiting for cancellation from bank but no such things happened..I again called ergo and raised cancellation request.Now I dint pick any call from credit card department which started like +11********* .I got confirmation call from ergo but they said as I have already raised cancellation request and cancelled, now my cancellation is chargeable, I have to pay 5000 and my policy will continue till 6 months.Then I have to again raise a request to close the policy. I have to pay for the misguidance of HDC credit card division kolkata.I dont want to pay unecessarily.Please look into this matter. My HDFC Ergo policy NO-[protected]