ICICI Prulife — dishonour charges of rs 1050 charged by icici pru life term insurance policy

Address:	MUMBAI
Website:	ICICI PRULIFE I PROTECT SMART

Have taken a term insurance plan of 1 crore (Icici prulife i-protect smart # xxxxxxxx) from icici on 31 dec 18 online. Monthly emi for said policy is rs 1156 that is due on the last date of every month. I have been paying all the emi via bhim sbi app or internet banking since 31 dec 18. After a few months i contacted icici prulife customer care for an auto debit facility for emi. They told me to link my debit card/ credit card with said policy by myself via online login. I did the same and linked my sbi debit card for auto debit before 18 month approx.

After the debit card linked with my icici policy on 30 th of every month i used to get a message that your emi is deducted from the debit card. But after 3 days i used to get a message that my emi was not deducted and i have to pay the same by any means. I used to pay the same by bhim sbi app. This was a routine of every month.

Not even a single emi was deducted automatically from my debit card. Then i queried from icici prulife cc. They replied that sbi debit card has no facility for auto deduction of emi if linked with icici policy. For that i need to link credit card of any bank or any card of icici bank with said policy. Then i didn't link any other cards with said policy. After a few months my debit card got u/s, so i deactivated and blocked my debit card (Before10 month approx) myself online on sbi site. Another side same routine was being followed up by icici, i. E. On 30th a message of emi deducted and after 3 days not got money and i used to pay the same by bhim app.

As usual on 30th aug 20 a message from prulife came that emi deducted and after 3 days a message stating that emi not deducted. As usual i logged into bhim app and wished to pay the emi, but here a dishonour charge of rs 1050 also was charged in my policy. I stopped myself and inquired from prulife cc. They told that your emi did not deduct via debit card issues so this dishonour charge is levied.
I then wrote mail on 5 sep 20 to icici prulife stating that when you don't have a facility with sbi debit card then how can you fine dishonour?. They replied on 8 sep 20 and also made the same cock and bull story and stated that i have to pay dishonour charge that cannot be vanished/ honoured.
In view of the above following is requested:
From icici prulife - kindly resolve the issue with genuinity and humanity (
From sbi - icici prulife has told me to contact sbi for the same. Kindly initiate from your end and look into. My sbi sb account # xxxxxxxx.

From rbi - kindly enquire into and resolve the issue. It's not a case of a single man. Lacs of people are being looted by stating/using wrong methods by online companies. Kindly instruct icici prulife for a genuine emi.