Apollo Munich Health Insurance Complaints & Reviews

Munirul

Dear Sir Please

Im Rames Singh Negi My office Address Apollo tower Secter 44 Plot No.20

My office Outside sewer line block And 20 Day opine manual not any work MCG amply Please Replay And work time off Complete Attach Image Manual

[protected]

Dear sir/madam, myself SATYAPAL SINGH my pan no. is DIJPS2671M
I was associated with apollo munich health insurance co. as a insurance advisor in 2014 co. blacklist me on irda portal in 2018 saying that there is high claim ratio in your agency. I did nothing wrong with co. still they blacklist me I asked them to give me some time so that I can manage these things but they ignored it.
Now I want to remoove my name as blacklist from irda portal.
I shall be highly obliged to you.

THANKING YOU
SATYAPAL SINGH
M [protected]

I am a customer of you from last 6 years. this year health jinn app shows that there is no active policy. this is non sence.

I would like to share my experience with my Health Insurance Company APOLLO MUNICH(now being referred as HDFC ERGO)

I am of the opinion that Health Insurance shall not be used for small health issues, but it will be helpful at time of critical hospitalization.

My opinion was proved wrong. I am paying Rs40000 pa towards my family health insurance, but I had not received a single rupee for critical illness which cost me nearly 11LACS. But the insurance company troubled me a lot.
The apps, Technology of Insurance Company is only a marketing strategy, but could not give the customer a single rupee.

Policy number: 130100/11301/AA[protected]
HDFC ERGO ID : [protected]
CCN No : RC-HS[protected]
Claim 760370

My wife suffered acute CEREBRAL SINUS VEIN THROMBOSIS, nearly 90% of brain veins are blocked and the doctors of Continental Hospitals graced and by their grace, my wife survived. But please see how the Insurance Company responded in this whole episode.

For the cashless claim, the hospital and Insurance company corresponded with each other. For a claim amount of Rs160000, Insurance company sanctioned just Rs30000, but please note that Rs160000 of claim amount is all medical expenses and Insurance Company came forward to pay just Rs30000. Before discharge from hospital, for another claim of Rs10lac, Insurance Company sanctioned another Rs30000

Hospital people submitted all relevant documents and finally they said
“We had done our best, the Insurance company not responding properly, you have to pay bill by yourself”. In this way, I could not get a single rupee from Insurance Company and have to bear nearly Rs11lac by myself.

Following are the experiences with respect to my reimbursement claim
The claim just disappeared from the app
When asked about reimbursement through gmail “Your concern was registered”, “Your issue was resolved” are the replies but not single paisa.
When approached their office at Hyderabad”we are now in transit from Apollo Munich to HDFC ERGO, we don’t have module to know your claim status”, “We are not at all concerned with HDFC ERGO”, “staff are leaving the company due to covid”. These are the replies
God only knows how my reimbursement will be settled. All the original medical reports I submitted are at the mercy of HDFC ERGO.

My policy no is pe01466644 and my premium was to be autodebited from my bandhan bank account but since it was not auto debited i got a message from vk-hdfchi that appolo munich has requuested payment of xrs.5754 and a link of razor pay but it has been now 3 months my renewal process has not been done.

On 7/04/2020 i have raised a claim with claim id 1324800/1 as it was regarding dengue and flue and company have rejected this claim with a silly reason that is for illness which has a specific 2 years of waiting time and policy start date is 27 sep 2018.

Dear sir,
I (Mrs. Rohini valluru) and my daughter (Miss. V v srimukhi) having apollo munich policy with following numbers respectively
1. Pe01444930
2. Pe01415072
Every year we are getting problem with renewal process, we have approached your team
1. Mr. Lohi[protected]
2. Mr. Sanjay das[protected]
3. Mr guru[protected]
And called the above guys several times (Last 10-15 days) to resolve the issue. We are maintaining sufficient funds in our bank account which was linked to policy and auto renewal option is also enabled from bank side.
How ever your employees are not at all responding and resolving my problem, and we are approaching consumer form and irde to take action against the team.
I request you to kindly look into the matter and take appropriate action to get active state for my policies also request you to take an severe action against the above said employee so that other customers may not face the same problem.

My aunty met with a accident and suffered a fracture, the policy says accidents are covered after 30days of policy bought. Yet her claim was declined giving a reason that the treatment which was done to save her life is not covered. She is a widow and with no source of income. She had to beg others to get her treated. What is the use of taking such health insurance which is famous for declining claims. Some day you will be in her shoes and it is going to hurt you very bad.

I have taken insurance policy for rs 5 00 000.00, before issuing policy they
Have conducted pre medical test and after being satisfied with the findings
They have issued policy, by eliminating claim to prostrate and any related claims. I was hospitalized at hyderabad at sri sri holistic mr mr19022081 and admitted on 07.09.2019 and discharged on 08.09.2019 with complaint of shortness of breath associated with sweatings since 1 day, chest discomfort since 07.09.2019. I have claimed rs. 21100.00 which later disallowed on the ground that i have not produced 1. All prescriptions of joint pain since 30 years, though i have complied other two items.

On 02.07.2018 i consulted dr. M. Shankar rao, orthopedic for knee pain at right leg, he prescribed some tablets, after its use i was relieved from the pain and i also forget it. Now the insurance company claimed that i did not disclose the fact of pain in the right leg at the time of pre medical test. The insurance company apollo munich disallowed the claim on the ground that i am suffering from ostio arthiritis, without seeing the patient, without conducting any laboratory tests
The action of the insurance company shows that they want to evade the claim with some pleas, which was not new to them since i have seen so many consumer cases against the company for such of their acts.
Will you please settle the matter basing on natural justice.

Seetapathirao,
Advocate d/ 11.01.2020

Dear sir mene apollo munich se apne father ka health insurance kraya tha ab unka accident ho gya h vo 30/11/2019 se hospitol m h hospitol se bar bar approval k liye apply kiya ja rha h bnha se approv nhi bhej rhe h jisse kafi problem ho rhi h hm discharge nhi kra pa rhe h jiska sikayt company ko kiya ja chuka h ek bar complend number 6316632 mila h policy number 120100/12001/2018/a012708 or id number 694682 h mr. Manbir singh bhati k name se to plese apse reqset h ki problem sholb kraye. Thanku

We pathansitu company requested to add/ deletion of employee in group health insurance on 5th nov 2019. Till now it is not done and will update in couple of days. If you take this much of time for this process how can we prefer your policies, other company doing this work in 24 hr. If not possible to do tell me the same thing. Please dont waste customer timely extending so many days

We have purchased policy with full payment and not received full amount as refund

Hence before proceeding for insurance policy we have explained all diseases to the insurance company representative and give all the information about the person but still you confirm that it will proceed the insurance policy and that really doesn't matter and ask to process for medical tests and the representative give the particular policy which is cover sugar and bp problem.

After policy purchase and medical tests you have rejected the policy by your end saying that the person having high sugar and it will not be processed for insurance

And you refund the amount

In the case if any policy rejected by your end you should refund the full amount

So why we bear the amount which you have not return

Please explain why you not able to refund full amount.

If you still not able to refund the amount

My name - r thilagavathi. I have taken health insurance policy for rs500000/- policy no.120100/12001/2016/a005425/pe00199236 on 30.03.2016. Renewal premium debited for the year 2017 also during march2017. During 2018, premium debited from my account with in 30days from the date of the duedate. I. E. During april 2018. But the premium again recredited to my sb account during june 2018. I have informed the agent, bank about this. But nobody have given me any valid reply. But the agent told me to remit the premium for the year 2018, so that the coverge willbe given from the starting period. With his promise, again i have remitted premium during november 2018. Along with me, i have taken 2 other policies for my husband and son also, each for rs.500000/-. But to my utter dismay, back date coverage was not given for my policy. I have tried several times. But my problem not solved. Your company representative replied very rudely. So i want to discontinue all the 3 policies from your company. My a/c should not be debited towards premium for this year.

On 8 august 2019 i applied for a health insurance policy with apollo munich through my axis bank account. After several phone calls i was rejected for the policy but no refund given despite several visits to the bank to enquire for the same.
On 16 october i posted on social media in desperation and received assurance within 20 minutes the matter would be looked into and referred back by 23 october latest.
It is now past close of business 23 october and still no word from them or even a reply to my email.
They have every right to refuse me for insurance, i have no issue with that. They have no right to keep my money; that is theft!! I am a single parent and 12k is a lot of money to me. Meanwhile i am uninsured and unable to purchase a policy with a more reputable organisation until i get my refund.

Agency code adi89093811

R/sir
I have agency code in the apollo munich health insurance
I applied for jmd branch mg gurgaon but i come to know that my code is issue in sec 14 gurgaon branch
I talked to the branch manager, he suggest me to resign first than it will transfer to jmd branch than i resigned
But when i applied for new agency code, it again issue to sec 14 gurgaon branch
I requested so many times to branch head but they did not support me
Even they are saying take agency from
Another insurance company but we did not transfer your code to another branch
Sir i want to do good business but due to lack of support and attitude i m unable to do so
Sir my humble request to you kindly transfer my agency code in jmd regent square mg road gurgaon branch
I promise i will do good business if it is transfer
Regards
Manoj kumar
Code adi89093811
Mobile[protected]

Team apollo munich,

My policy number is : aa[protected] claim id : 1075416/1

I have been your customer for more than 3 yrs. I never took any claim or never had a complaint with you or never even called customer service in these years. But from last more than 1 month i am continuously calling you, emailing you, sending complaints through health jinn app etc... But not getting any response except the auto generated emails. I filed a claim for pre - hospitalisation expenses on 19/7/2019 for around re.5300 for my son. He was admitted in hospital with thyphoid fever. I uploaded all the original documents on health jinn app (As requested) and later on sent 2 couriers with all the original documents & cancelled cheque also. I shared both the tracking numbers also and your team acknowledged that they have received the documents. Everytime i called your customer care they says that “we are registering your complaint and will revert back to you in 48 hrs” which never comes. No one bothered to call me or email me in last 1 month to reply what is going on. I am highly disappointed with your services as i never expected a big company like apollo munich doesn’t bother about its customers.

Not expecting, lost hope now.. Still waiting if anyone can help me in getting the reimbursement amount for the expenses.

Thanks
Sumit utreja
[protected]
Thanks & regards,
Sumit utreja
E : [protected]@gmail.com

I had submitted online application for apollo munich i can purchase policy with premium amount of rs.18, 176.72. My application no. Is nw1401f90a. After few days, they sent a new proposal to pay additional amount of rs. 2, 706.00. I rejected it and asked them to cancel my application during telecon. But they have still not returned my money re. 18, 176.72. Please help me to get back my money...

I had submitted online application for apollo munich ican enhanced policy with premium amount of rs.6018. My application no. Is wa3tft4wzl. After few days, they sent a new proposal to pay additional amount of rs.1217. I rejected it and asked them to cancel my application during telecon. But they have still not returned my money re.6018. Please help me to get back my money.

Dear Respected,
this is Kaviraj Bhaskar and my agent code is ADI80279896. i am not working apollo munich health insurance since 2017 & now i am join another insurance company many time I have give application latter to Apollo Munich Health Insurance office for termination of my agent code but they not give me any response & not supported. so my request you to kindly terminate my agent code as soon as possible. This is effected in my career.

Thanks & Regards:
Kaviraj Bhaskar
Bilaspur (Chhattisgarh)