ICICI Prudential Life Insurance — I am complaining about eTerm Life Insurance policy 19634419 issued even after my cancellation request

Address:	560078
Website:	www.iciciprulife.com

I am complaining regarding my e-Term Life Insurance policy 19634419, App No: OB04912093 which was issued last on 29th of Dec even after asking for cancellation. I have sent an mail to withdrawn my application and asked to refund the amount due to unethical practices followed by ICICI prudential to cheat the customer. Life Insurance is a product where Applicant wants to protect his family towards unforeseen incidents but life insurance companies make this a purely business and follow unethical business so that they can easily reject the claim. I have applied for online Term life insurance on 9th of Dec but i missed the option where pre-medical history needs to be updated, therefore, on the same day, I have sent a mail about how to modify the exiting application. My Tele-medical happened on 11th of Dec and I have mentioned my pre medical checkup and my existing health problem(pain in sacroiliac joint pain, shared MRI report details and under going medicine). On 12 of Dec, I have sent one more email and asked for query on medical checkup appointment to get the date and in response it has been informed to me that medical checkup is not required and policy has already been issued on 12th of Dec and policy will be sent in next 5 days and policy is in Active Status but policy had never been sent. On 18th of Dec, received an mail asked me to upload pre-medical checkup reports. I tried to upload the doc with link provided in mail but failed because no option was available to upload pre-medical reports, therefore, i sent the report at [protected]@iciciprulife.com. I got one more mail asked me to provide declaration and medical checkup reports but no details were provided in order to get an appointment for medical checkup. I called to customer care and asked why they are asking for medical checkup now when policy has already been issued but they replied that policy is in-process status and need to upload medical checkup documents and informed me that ideally, I should get an email regarding the contact details of Health Assure. I used to call every day and used to sent every day mail to how to get an appointment for medical checkup. Finally, on 22nd of Dec got a response of the email and provided contact details of Health Assure. When I contact Health Assure and asked for appointment, they asked me to write a mail to them regarding my appointment date for medical checkup. Again, I called after 3 days and asked me to give an appointment and get to know that ICICI haven't sent my application to them, hence, they can't fixed an appointment. By, this time i have realized the pathetic service of ICICI prudential Life insurance and have decided to withdrawn my application and asked for refund on 28th of Dec. I got a call on 29th of Dec, from Escalation Team from Vijay Moye and asked about my concern. I have mentioned everything in details(all the harassment i went through out this process and aforementioned problems faced till now). But, as surprise again, he told me that your policy has already been issued on 12 of Dec and no medical checkup is required. Even, I told him that in application tracker, my policy is showing still in-process and keep on getting mails to upload the medical documents. I was not convinced to take this policy but in order to pacify me he was agreed to give me in confirmation that no issues/no conflict will happen in future . Again, I asked him to confirm whether from doctor whether my medical checkup is required or not. Finally, he agreed. On the same day, 29th of Dec, after few minutes, got m email that policy has been issued and same has been sent at your postal address.I wrote one more mail about the written confirmation about these points but till now not got any mail response. 1) ICICI has received my pre medical reports regrading my Sacroiliac Joint Pain 2) Tele-Medical doctor has conveyed same about the pre medical checkup(MRI reports and medicines) 2) No medical checkup is required to issue this policy 3) No further medical reports or medical checkup required in future. 4) No pre-medical reports or any documents related to it will be required in future. 5) Policy premium will be same through out the policy Term. On 30th of Dec, I received a call from Health Assure about my medical checkup appointment. I have informed them that my policy has been issued on 29th and no medical is required and asked them to confirm from ICICI pru. I have realized the unethical practices followed by ICICI. Now, question raised, how policy has been issue without medical checkup. In website status is showing in-force but in document section it is showing there are almost 4-5 documents are pending. Immediately, again i have sent an mail to cancel my application and asked for refund. on 31st of Dec, again Health Assure called me for an appointment and mentioned that he conformed from ICICI Pru and medical is required. I have told him clearly, i will not got for any medical checkup because i have withdrawn my application and asked them to cancel my application. I am repeatedly, sending mail for cancellation but not a single response has been received. As a resolution, I want my application should be cancelled immediately and refund the full amount. 8317/-.