Apollo Munich Health Insurance Complaints & Reviews

Hi!

I have a health insurance policy in my wife name with APOLO MUNICH and following are the details--

Name Savita
Policy Number 110103/11001/[protected]
Card Number [protected]


I had submitted all the required documents to FHPL gurgaon phase IV office on date 13-Oct-2011 by hand personally for the reimbursement of medical expenditure.further some more documents were asked by you And I have submitted those required documents also on date 24-Oct-2011.But till date I have not received any reimbursement of medical expenditure and further your Doctor also asked some statements where I have mentioned admission time & discharge time wrongly as that time I was not remembered however admission & discharge time was 8:00 AM & 8:00 PM respectively.

Claim ID 54475/1


I request you to Kindly reimbursement my medical expenditure as early
as possible as it is already so late.

Attached is the receipt for you your reference

I have submitted (3 months ago) all the medical reports for the reimbursement and till now Apollo munich has never replied to me. The agent who has collected the document, committed that I will get the money in 21 working days. I waited for more than 2 months but no luck. Later he stopped relying to my calls. Then I registered a complaint with the customer care, but every time they sent an auto reply by saying " we will get back to you in 2 weeks" (I have received the same message thrice, in the last one month).

I had lost the faith in this company, guys please be aware of Apollo Munich before taking any insurance from them.

Dear Sir,
I would like to complaint against Apollo Munich Health Insurance Company. I am an existing customer with Policy No. [protected]-02.
In September 2011, I received renewal notice from the company along with an discount offer of 7.5% if we renew for two years. I talked to their executive that whether I'll receive two separate IT certificate for two years, because, if I get only one certificate, I can get exemption only for this year and next year I'll lose the IT deduction and that will be more than the discount I'll receive. She told that I'll receive two separate IT certificate.
I also wanted to upgrade from their plan standard to Exclusive as I cannot get critical illness cover in standard plan. Their executive also told that I need to fill up a change form and that she will send one executive to collect the change form and premium.
In September last week, they send an executive from Apna Insurance for collecting the change form and premium check. Through his mobile, I called the executive in the branch to verify the person and also the premium amount for 4 lac health cover in Exclusive package with 4 lac critical illness cover for two years. To assure me that I’ll get two IT certificate, he gave me two acknowledgement receipts with half the amount of two year’s premium. I also submitted the change form stating clearly that I need critical illness cover.
When I received the policy document, to my surprise, there was no mention of critical illness cover and also I received only one IT certificate. I wrote a mail to them for providing critical illness cover and IT certificates. I also wrote, if two IT certificates are not possible, they should provide me only one year exclusive package of 4 lac with 4 lac critical illness cover and they should return the remaining money to me as in that case I was not interested in two year’s cover.
Their customer relationship manager Mr. Karan Singh replied my mail saying that my case no. is 244903 and they will revert back to me by 25th October with complete solution. But as of today, I have not received any communication from them.
I therefore request the concerned person to have a look into this issue and provide a solution to this.

With regards,
Mukesh Kumar Varshney
Case No. 244903 Policy Schedule : [protected]-02

Hi All,

Apollo Munich is the worst company for passing your claims as did with me..

I claim a just Stomach discomfort hospitalization to company, but they reject that by telling a silly reason pre-existing disease.

see those mail[protected][protected][protected][protected]

Dear Customer,

Ref: ClaimID:48265, UHIDNO:[protected].

The above reimbursement claim is repudiated for below reasons

1.The submitted claim is for the illness which has a specific two years of waiting period as per the policy and the policy start date is 17 Feb 2011.Also,as per the terms and condition of the policy any prexisting condition will not be covered until 36 months of continuous coverage with us. The disease/symptom started on Sept 2010 and the policy start date is 17 Feb 2011. Hence we regret to inform you that your claim is repudiated under Section 6) clause d) & c) of the policy.


Please write to [protected]@fhpl.net for any clarification or grievance on the above. A detailed repudiation letter will be sent to your registered address with us.


From
Family Health Plan (TPA) Ltd.,
[protected][protected][protected][protected][protected]--------

Regards,
Kishore Kushwaha
Mob: [protected]
[protected]@yahoo.com

Dated : 27th August 2011
Ref. : Complaint/[protected]/270811

To,
Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

Kind Atten. : - Deepak Anand - Customer Relationship Management Team

Reference: -
1. Apollo Munich Health Insurance Policy Number : 110100/11051/[protected]
2. Agency code : 80122322
3. Agent Name : ACHYUT PARTNERSHIP ONLINE (Mr. Sachin Sood (M) [protected]/[protected]
4. Agent Contact Number :


Subject: - Application for Cancellation Policy Number : [protected] dated 21st August 2011 and refund the money without any deduction.

Dear Sir/Madam,

It is with great agony, I shall have to draw your kind attention on following departmental lapses and wrong commitment.

I took the policy through policybazar.com Mr. Sachin Sood (his contact number (M) [protected]/ [protected]) with some certain verbal confirmation about the policy and I transfer the money through my HDFC credit card to get the above said insurance but when I went through policy and other details found that there are so many discrepancies in the said policy.

I wrote a request letter for cancellation of the said policy number and also approached on customer care number[protected] to cancel the policy.

I got the confirmation from customer care department that you will be informed about the confirmation of the cancellation of the said policy number within 72 Hrs but after constant fallow up and reminder and email , I did not get any confirmation from customer care department .

Now after seven days I am conferred by customer care department as follows.

Dear Mr. Bipin Kumar Thank you for contacting ApolloMunich. With reference to your mail below, please note that the change in existing plan can be done only at the time of renewal , subject to necessary approval from underwriting and the decision will be given after receiving renewal premium and change request form which is according to company norms & policies.In case you need any further assistance, Please feel free to write back to us.We look forward to serving you. Regards,
Deepak Anand, Customer Relationship Management Team


Apollo Munich Health Insurance Company Limited

10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

In view of the above, I would request to you kindly look into the matter and refund my money without any deduction as requested.

If you will not accept my request of cancellation of policy I will take this matter in consumer court. So it is humble request to repay my amount back into my account. I shall be thankful to you. Otherwise I will be forced to do some next action against your organization.
Please also note that if it is not happen then I would like to register the complaint to

Insurance Regulatory and Development Authority
GENERAL INSURANCE & HEALTH
POLICY HOLDER COMPLAINTS REGISTRATION FORM
(Separate forms to be used for each complaint)
Annexure II
Please approach your Insurance Company first with the grievance. If you have not received a response or you are not satisfied with the response on your grievance, you may use this form to register the complaint with IRDA. If the complaint is a dispute in regard to premium paid or payable, dispute on policy wording pertaining to claim payment, delay in settlement in claims or non-issue of insurance document the same may be lodged with Insurance Ombudsman. The addresses of the Ombudsmen are available on our website. Copy to :

Shri K.Srinivas, Asst. Director,
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.
e-mail ids:[protected]@irda.gov.in
Mr.R.Srinivasan, Officer on Special Duty
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.
e-mail ids: [protected]@irda.gov.in

Mr. T Venkateswara Rao, Deputy Director
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.
CALL CENTER : TOLL FREE NO:155255Thank you in advance for your prompt attention to this matter.
Sincerely,
Bipin Kumar Singh
220, Kamakhaya, Niti Khand – I,
Indira Puram, Ghaziabad
Uttar Pradesh 201012
[protected]@gmail.com
contact number : [protected] Ph.[protected]

Dear Mr. Chandan Negi



Thank you for contacting ApolloMunich



With reference to your mail below, would like to inform you that we had taken your request for the re consideration of your rejected claim but as per the team concerned your claim ID 40309-1 cannot be reconsidered.



We have already shared our decision and view to the case in line with our grievance process.



However, in case you are not satisfied with our decision, you are at your liberty to approach the nearest Insurance Ombudsman for resolution of Your grievance.



The contact details of Ombudsman offices have been clearly mentioned in policy wordings.



In case you need further assistance, you can reach us on our Helpline number:[protected].

We look forward to serving you.



Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Friday, July 22, 2011 4:23 PM
To: [protected]@irda.gov.in
Cc: customer service
Subject: Fw: Member ID [protected] Claims ID 40309-1 Case No 214,160



Hi,



sir could you please lookinto this matter .



----- Forwarded Message -----
From: customer service <[protected]@apollomunichinsurance.com>
To: 'chandan negi' <[protected]@yahoo.com>
Cc: "[protected]@irda.gov.in" <[protected]@irda.gov.in>
Sent: Tuesday, July 19, 2011 5:33 PM
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 214,160



Dear Mr. Chandan Negi



Thank you for contacting ApolloMunich.



With reference to your mail below, we regret to inform you that we have already shared our decision and view to the case in line with our grievance process.



However, in case you are not satisfied with our decision, you are at your liberty to approach the nearest Insurance Ombudsman for resolution of Your grievance.



The contact details of Ombudsman offices have been clearly mentioned in policy wordings.



In case you need further assistance, you can reach us on our Helpline number:[protected].

We look forward to serving you.



Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Monday, July 18, 2011 5:28 PM
To: customer service
Cc: [protected]@irda.gov.in
Subject: Fw: Member ID [protected] Claims ID 40309-1 Case No 214,160





Hi sir,



Could you please check the below e-mail. I have submitted all my document to Apollomunich but the calim was not cleared due to some documents they need. i have sumbmitted those document two times. but the claim was not cleared. please advise what should i have to do in this case.

----- Forwarded Message ----
From: customer service <[protected]@apollomunichinsurance.com>
To: chandan negi <[protected]@yahoo.com>
Sent: Thu, July 14, 2011 5:47:59 PM
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 214,160

Dear Mr. Chandan Negi

Without prejudice to our rights and contentions, we would like to inform you that your claim has been repudiated after careful evaluation and scrutiny of clinical reports and medical bills followed by thorough investigation under the terms and spirit of the Policy.

However, in case you are not satisfied with our decision, you are at your liberty to approach the nearest Insurance Ombudsman for resolution of Your grievance.



The contact details of Ombudsman offices have been clearly mentioned in policy wordings.



In case you need further assistance, you can reach us on our Helpline number:[protected].

We look forward to serving you.



Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Wednesday, July 13, 2011 4:19 PM
To: customer service
Subject: Fw: Member ID [protected] Claims ID 40309-1 Case No 214,160





Hi,



As i sent you the document which is not correct or what i will do in this case.



Thanks!




----- Forwarded Message ----
From: customer service <[protected]@apollomunichinsurance.com>
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Sent: Tue, July 12, 2011 12:12:55 PM
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 214,160

Dear Mr. Chandan Negi



Greetings from ApolloMunich.



With reference to your case no. 214,160, would like to update you that we have processed your claim with the details and documents submitted to us and we regret to convey that the claim is not payable.



Your claim ID 40309-1 is rejected and we stand by our decision.



Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: customer service
Sent: Thursday, July 07, 2011 2:49 PM
To: 'chandan negi'
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 214,160



Dear Mr. Chandan Negi



Thank you for contacting ApolloMunich.



Your case number for your concern regarding “Claim Id No. 40309-1” raised on 06-Jul-11 is 214,160.



We assure you an appropriate response within 15 days.



In case, you do not hear from us within this time period, feel free to call us.



Do remember to quote the case number mentioned above for ease of identification.

We look forward to providing you uncomplicated health insurance services.

Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Wednesday, July 06, 2011 4:55 PM
To: customer service
Subject: Fw: Member ID [protected] Claims ID 40309-1 Case No 210,235



Hi Deepak Anand

As per your e-mail dated 25 June 2011.I am sending my all the required document to you through blaze flesh courier. You will get those documents shortly. Clear this claim.



Thanks!

Chandan Singh Negi





----- Forwarded Message ----
From: customer service <[protected]@apollomunichinsurance.com>
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Sent: Tue, June 28, 2011 12:31:36 PM
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 210,235

Dear Mr. Chandan Negi



Greetings from ApolloMunich.



With reference to your case no 210,235, would like to update you that our concern department requires below mentioned documents from your side for process your claim:-



1) Hospital registration letter.

2) Medicine record.

3) Payment reciept with the hospital.



We would be able to take any necessary action on the reciept of above documents. We request you to kindly provide us with said requirement as soon as possible.



For further assistance, please feel free to write back to us.



We look forward to providing you uncomplicated health insurance services.

Regards,
Deepak Anand ,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

From: customer service
Sent: Saturday, June 25, 2011 5:45 PM
To: 'chandan negi'
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 210,235



Dear Mr. Chandan Negi



Thank you for contacting ApolloMunich.



Your case number for your below mentioned concern raised on 15-Jun-11 is 210,235.



We assure you an appropriate response within 15 days.



In case, you do not hear from us within this time period, feel free to write back to us.



Do remember to quote the case number mentioned above for ease of identification.

We look forward to providing you uncomplicated health insurance services.

Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Wednesday, June 15, 2011 5:55 PM
To: customer service
Subject: Fw: Member ID [protected] Claims ID 40309-1 Case No 201,993



hi sir

I have submitted all the documents to you. I don’t have any other documents for submission.

If you do not pass the medi-claim then good. You can cross verify the hospital and the doctor how they can deal.

The doctor already told to me. If the Apollo Munich will not pass your claim then you have to file a case against them I am ready to help you. You definitely win the case. Further you can publish that letter into news paper. I will prove these three point s into the court. You also get the late penalty amount. I will take my next step for your reply

1) Hospital registration letter.

2) Medicine record.

3) Payment receipt with the hospital



----- Forwarded Message ----
From: customer service <[protected]@apollomunichinsurance.com>
To: chandan negi <[protected]@yahoo.com>
Sent: Tue, June 14, 2011 1:05:11 PM
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 201,993

Dear Mr. Chandan Negi



Greetings from ApolloMunich.



With reference to your mail below, would request you to provide us with the :-



1) Hospital registration letter.

2) Medicine record.

3) Payment reciept with the hospital.



We would be able to re consider your claim on the reciept of above said requirement.



For further assistance, please feel free to write back to us.



We look forward to providing you uncomplicated health insurance services.

Regards,
Deepak Anand ,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Monday, June 06, 2011 4:24 PM
To: customer service
Subject: Fw: Member ID [protected] Claims ID 40309-1 Case No 201,993



Hi,



In which hospital my sister was admitted not a two or five star hospital, i also take a mediclaim policy from national insurance they passed my several calim from this clinic. if you are not passed my claim thats fine but i will mind this thinks and told to other please be care full while you purchase a Apollo Munich policy. Apollo munich has lots of policy definition you have to go to buy other company policy.



Thanks!



----- Forwarded Message ----
From: customer service <[protected]@apollomunichinsurance.com>
To: chandan negi <[protected]@yahoo.com>
Sent: Mon, June 6, 2011 1:14:44 PM
Subject: RE: Member ID [protected] Claims ID 40309-1 Case No 201,993

Dear Mr. Chandan Negi

With reference to your mail below, Would request you to kindly submit clarification against the below raised point for the re-opening of your claim and it will be re-considered as per its merits.

1. Hospital does not Fulfill the criteria as per policy Definition ( Hospital Def 7)--- ( 5 bedded, Registered as Residence cum clinic only, No RMO, No registered nurses, No 24 Hour medical Supervision)

2. No Medicine Register/Stock Register/No medicine record available

3. No payment receipt available with Hospital.



We would be able to take necessary action on the receipt of above clarification. Please submit these documents to our TPA (Family Health Plan Limited) for the further action.

For further assistance, please feel free to write back to us or call us..

We look forward to serving you.



Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: customer service
Sent: Wednesday, June 01, 2011 1:18 PM
To: 'chandan negi'
Subject: RE: Member ID [protected] Claims ID 40309 Case No 201,993



Dear Mr. Chandan Negi



Thank you for contacting ApolloMunich.



Your case number for your concern regarding “Claim Id No. 40309-1” raised on 24-May-11 is 201,993.



We assure you an appropriate response within 15 days.



In case, you do not hear from us within this time period, feel free to call us.



Do remember to quote the case number mentioned above for ease of identification.

We look forward to providing you uncomplicated health insurance services.

Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: chandan negi [mailto:[protected]@yahoo.com]
Sent: Tuesday, May 24, 2011 4:47 PM
To: customer service
Subject: Fw: Customer Grievance



hi

sir

now my cliam has been rejected. before that i got a query reference#40309 regarding my sister mediclaim. i have few question regarding your investagation team or whoever settle the medicalim.

1. if the person submitted all the document regarding mediclaim but if you are raise a query thereafter the person will full your requirement.

2. when we fullfill all the document regarding your query. At the end of the day you saying your claim was not approved. you are not checking the document which is submitted by the claimnt.






----- Forwarded Message ----
From: customer service <[protected]@apollomunichinsurance.com>
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Sent: Mon, May 23, 2011 2:06:39 PM
Subject: RE: Customer Grievance

Dear Mr. Chandan Negi



Greetings from ApolloMunich.



With reference to your mail below, would request you to kindly provide your member id or policy no. and employee Id in case of corporate policy, so that we can check and assist you in a better manner.

In case you need any further assistance, Please feel free to write back to us.

We look forward to serving you.



Regards,
Deepak Anand,

Customer Relationship Management Team

Apollo Munich has increased my early premium for the exisisting policy in which no claim has been taken.
While selling the policies they never put this clause.Everybody knows that all the ilness will be covered only after two years and when I am going to complete two years now thecompany wants to charge me more.This is complete voilation of consumer interest and I want to lodge complain against them in consumer court.Kindly send me the procedure because I am feeling like cheated by this company.

On the phone call their telle caller is telling that IRDA has given them instruction to increase premium but not ready to provide the letter from IRDA.Also how can IRDA instruct any conmpany to increase premium of existing clients who dont have any claim in past.

Apollo Munich is doing a lot of advertisement for their health insurance policies but they don't have their agents educated at their own products.
I have applied online for health insurance policy online for my mother and second day I received call for the same from Apollo Munich. they have explained me about policy and their benefits but didn't tell me the thing which I shocked to know after issuing cheque. Even I asked couple of times for any additional/hidden charges but they always said NO as answer. The executive/agent came and collected the cheque and told me that you will receive call for health checkup of your mother. I got a call for health check up and my mother has undergone the test. After 3-4 working days I got a letter that you will have pay additional amount to take policy as your mother's BMI is high. I asked simple question why you didn't tell me before the test that there may be some additional amount you need pay if this comes in test.
They have wasted my entire one month for this process and after this I had to withdrawn my application without taking policy. A company who can not do right commitments at day one, how can I believe they will be with us in medical emergency. They cam ask anytime more money rather that to pay your medical expenses.

Poor Health Insurance company. Will not recommend to go with them.

Abhishek Pachori

Hyderabad

Dear Sir/Madam,

Reg: Misbehaviour for ladies.

In this Apollo Munich Health Insurance so many ladies are coming for the Apollo jobs we dont know the job descrption so that we are writing in brackets (To explain the insurance for the customers who are coming from the Apollo Pharmacy). but no one lady is not doing job atleast 1 month. because due to misbehaviour of the unit manager(Srinivas). we are also coming for that job due to this misbehaviour we are left for this job. So please first of all to respect the ladies otherwise your insurance company name is fall down. So please do this matter needful.


Regards,
Job Searching Girls.

Dear viewers,

APOLLO MUNICH insurance company people are ruthless swindlers & i believe that they simply go onto trait poor people in need of insurance. i believe that all their promises are fake and you are sure to have a bummer of an experience dealing with those crooks. beware of the fraud companies and do not let your hard earned money go waste in the name of Health Insurance that you would never get from them.


don't go by their website and the big fake claims they have made there. Welcome Mr. XYZ << another happy customer / Ms. ABC received XXX amount towards her insurance claim and so on. this is baseless bragging about something they haven't achieved. do they have addresses and contacts of those who truly got insurance from them ? no hell. they just won't pay your claim and make you slog filling numerous papers in their claims process that lasts unto eternity or the rejection.

BEWARE of this APOLLO MUNICH HEALTH INSURANCE EVIL .

To all the prospected customers of health insurance cos.

I feel slugged and looted by Apollo Munich health insurance co. who proclaimed to be the dab hands at the bizzo. They had promised me that all the Pre Policy check up charges below Rs. 300 (INR) would be reimbursed immediately upon issuance of the policy. Sadly they never cared to reimburse a paltry sum of Rs. 160/- only, the payment made towards Pre Policy check up of my wife at a Hospital / Facility designated by Apollo Munich.

After aboutr four months and a fierce condemning Email and a subsequent complain with IRDA they paid only Rs. 100 lmao !! . They can’t even reimburse 160 Rs. How could a customer expect to get lacs of Rs. from those cheeky people when a claim is made? This is so stupefying and outrageous.

The story doesn’t end just there. I unfortunately had to make a Cashless claim for a surgical removal of Endometrioma on my wife from a well known hospital in their network. The same was rejected. Prior to rejection I received a call asking if the policy was issued to me by an employer / company or is it an individual claim? Once they knew the claim was made in the individual capacity, they bluntly rejected it. Different people gave different reasons and the TPA said it was on the order of Apollo Munich that they are rejecting your claim.

They gave a Generalized reason .. Surgery of Genetourinal tract ain’t covered.Another executive responded with ” Policistic ovarian disease ain’t covered and another said Cysts and internal tumors ain’t covered ( lmao! then whats covered mon ? Just ask those people to give a list of whats covered apart from Malaria and Dengu / Typhoid ) At the time of issuing the policy they had stated that their policy wordings is crystalline and has no clandestine agenda of deceiving the customers. Only the specific names of the ailments mentioned therein are not covered for two years. Looking at the policy wordings its apparent that ENDOMETRIOMA ain’t mentioned nowhere in the policy wordings. t can’t be generalized. Looking at the policy I realized that everything save an odd Malaria or Dengu …is excluded for two years.

The tele executives was disgruntled and became tetchy to know my intentions to follow this matter up until the dooms day or me getting justice whichever happens first.

I sincerely believe its my duty as a aggrieved customer of Apollo Munich Health Insurance Co. to alert and make aware other prospective customers who are intending to take a policy from Apollo, who were only be cordial to me unto the time I paid the premium and thereafter I became be the most frivolous living object for them.

Please think Million times over before taking a insurance policy from Apollo as insurance is a sensitive subject that relates to financial and emotional trauma and needs proper expertise & humanitarian approach of the issuer to handle.

Thank you

Abhijit Joshi
Navi Mumbai
([protected]@yahoo.com)

Dear Sir,

due to very poor service and nor co-operative customer support, I want to cancle the policy.
I also want to know whether I am eligible for compensation due to all this drama created by Apollo munich.

Here I am sending you some of last mails as a case study/ proof of discussion with Apollo munich customer support.

Please help me geeting out of this situation

thanks
Best Regards
DARSHAN
+91 [protected]
+91 [protected]

http://my.opera.com/notsocreative/albums/
http://www.youtube.com/user/sorrydarshan
http://vimeo.com/user2937296/videos

(Be a part of change, plz visit & join or sent comment)
http://www.sentientyouth.org/blog/
http://www.sentientyouth.org

--- On Fri, 8/4/11, customer service <[protected]@apollomunichinsurance.com> wrote:


From: customer service <[protected]@apollomunichinsurance.com>
Subject: RE: Email to Apollo Munich Insurance Customer service team from E-mail Us
To: "darshan prajapati" <[protected]@yahoo.co.in>
Date: Friday, 8 April, 2011, 3:42 PM


Dear Mr. Prajapati,

Please accept our sincere apologies for the inconvenience caused to you.



Your Case No. 178,614 for your concern raised below is currently under process with team concerned.



We will shortly revert to you.



At Apollo Munich we value our customer’s concern and looking forward for your co-operation.



We look forward to serving you.

Regards,
Karan Singh ,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: darshan prajapati [mailto:[protected]@yahoo.co.in]
Sent: Thursday, March 31, 2011 9:58 AM
To: customer service
Subject: RE: Email to Apollo Munich Insurance Customer service team from E-mail Us

I think Apollo Munich trains its employees to provide worst to its customer when it comes to srevices.

As I already asked to cancel to my policy due to non-satisfaction of services
(Complaint no. 178614). Still you guys delivered the policy document in Bhika ji kama place, new delhi branch.

Yesterday 30the March, 2011, I got a call from Bhikaji Kama Place branch to collect policy document.
When I asked when you received the paper? He replied one day ago. Then I again asked him why are you calling me one day later.
He replied very rudely that I have other important work to do.
On such rude reply, I refused to collect the paper.

This is really shameful. You guys really don't want to co-operate with customer who is choosing you above all other well established brands.

Please cancel my policy and make a full refund with compensation.
Otherwise I am going to file a complain in IRDA

thanks
Best Regards
DARSHAN
+91 [protected]
+91 [protected]

http://my.opera.com/notsocreative/albums/
http://www.youtube.com/user/sorrydarshan
http://vimeo.com/user2937296/videos

(Be a part of change, plz visit & join or sent comment)
http://www.sentientyouth.org/blog/
http://www.sentientyouth.org

--- On Mon, 28/3/11, customer service <[protected]@apollomunichinsurance.com> wrote:


From: customer service <[protected]@apollomunichinsurance.com>
Subject: RE: Email to Apollo Munich Insurance Customer service team from E-mail Us
To: "darshan prajapati" <[protected]@yahoo.co.in>
Date: Monday, 28 March, 2011, 12:03 PM

Dear Mr. Prajapati,



I personally regret for the error in communication sent earlier & inconvenience caused.



Below are the Correct dispatch details which you also confirmed by our customer care executive.



Courier Name: First Flight Courier Service

Consignment No. A28382303

Date of Dispatch: 03-March-2011



Would request you to kindly co-operate with us and we will revert to you with the complete resolution to your issue raised regarding policy documents not received.



You Complaint Number 176,136 logged via toll-free dated 21-March-11 is currently under process regarding Policy documents not received.



We will revert to you on priority.



For further assistance, please feel free to write back to us.



Regards,
Ms. Anupama,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com

“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: darshan prajapati [mailto:[protected]@yahoo.co.in]
Sent: Monday, March 28, 2011 10:29 AM
To: customer service
Subject: RE: Email to Apollo Munich Insurance Customer service team from E-mail Us

Hi,

I guess there is no co-ordination in APOLLO MUNICH.
I haven't received anything.

I got 3 mails for 27th March, stating that documents have been delivered.

Now when i called in customer care (executive name : Pooja), I came to know that documents have been
delivered on 4th March in Mumbai,
consignment no. A28382303, received by Kamini.

The above info is confirmed by Supervisor Sahil Kakkar.

But the mail I received stats that documents delivered on 17th March in delhi, received by Renu.

Now, I want to know:

How can you deliver a Delhi address documents in Mumbai?
Why you don't call customer before delivery?
Why you don't track customer on non delivery?
Why you take this much of time?

When I asked for Nodal Officer's mail ID of complaint. Supervisor simply denied without stating any reason. Simply Saying that we have nodal/ Senior officers but can't give you their mail IDs.

So Being totally unsatisfied with the way Apollo Munich works, I am no more interested to be associated with Apollo Munich.
I want to cancel my policy for with I asked Sahil also.

Please cancel my policy.



thanks
Best Regards
DARSHAN
+91 [protected]
+91 [protected]

http://my.opera.com/notsocreative/albums/
http://www.youtube.com/user/sorrydarshan
http://vimeo.com/user2937296/videos

(Be a part of change, plz visit & join or sent comment)
http://www.sentientyouth.org/blog/
http://www.sentientyouth.org

--- On Sun, 27/3/11, customer service <[protected]@apollomunichinsurance.com> wrote:


From: customer service <[protected]@apollomunichinsurance.com>
Subject: RE: Email to Apollo Munich Insurance Customer service team from E-mail Us
To: "darshan prajapati" <[protected]@yahoo.co.in>
Date: Sunday, 27 March, 2011, 11:26 AM

Dear Mr. Prajapati,

Greetings from ApolloMunich.



With reference to your mail regarding non-receipt of policy documents, we would like to inform you that we dispatched your policy documents along with Identification card on your registered address.



Below are the Dispatch details for your reference:-



Courier Name: First Flight Courier Service

Consignment No. A28404583

Date of Dispatch: 15-March-2011



As per courier status the policy documents have been delivered on 17-Mar-2011 to the following address which has been noted down in our record.



Ø Mr. darshan prajapati, RZM-18A, , MAHAVIR ENCLAVE , NANDA BLOCK , New Delhi , Delhi , India , 110045, Mobile:- [protected]



Please refer the delivery status mentioned below for your reference and request you to kindly check at your address and let us know in case you require any further assistance.





For further assistance, please feel free to write back to us.

“We request you to share with us your experience & valuable feedback on how your query/request was handled by us. This would help us serve you better in future.“



We look forward to providing you uncomplicated health insurance services.



Regards,
Ms. Anupama,

Customer Relationship Management Team

Apollo Munich Health Insurance Company Limited
10th Floor, Building No. 10,
Tower-B, DLF Cyber City,
DLF City Phase II, Gurgaon
Haryana, 122002.
Website -www.apollomunichinsurance.com



“Apollo Munich offers its customers free consultation for common ailments. To talk to our experts and for free consultation, you can dial [protected] between 9 AM to 6 PM, Monday to Friday”.

From: inquiry
Sent: Monday, March 21, 2011 10:11 AM
To: customer service
Subject: FW: Email to Apollo Munich Insurance Customer service team from E-mail Us







From: customer service
Sent: Monday, March 21, 2011 9:03 AM
To: inquiry
Subject: Email to Apollo Munich Insurance Customer service team from E-mail Us


Name
Mr. darshan prajapati

Email
[protected]@yahoo.co.in

Phone
[protected];[protected]

Information Regarding
Grievance

Comments
Hi, I bought a policy more then 3 weeks ago. my Policy No. is [protected]. I received it in a pdf format But I haven't received any document at my address. I sent an email also on 18th march but still no response. I guess it was a wrong decision to chose apollo munich. So please do the needfull or refund my payment so that I can choose some better service provider.

Visitor
7440

i mr pravin saremal solanki took health insurance from apollo munich health insurance policy nos [protected] and [protected] (in the name sandeep saremal solanki) i am customer for health insurance for last 4-5 years i was a customer for cholamandalam health insurance for 4 years and the i shifted to star health insurance for 1 year and in star all my waiting period was waived this year i shifted from star to apollo munich health insurance and i was told there will be no waiting period since i am a customer for health insurance for such a long period without breaking anytime for any year i normally renew my policy before 15-20 days before it expires during every year this year also my policy was getting expired on 12th april i renewed on 26th march 2011 20days before it expires and inspite of there comitment i got waiting period for 1 year and 2 year respectively

i have called apollo health insurance several times but i have not got any proper response from them i m expecting resolutions for the same from u
pravin solanki
[protected]

I MET WITH AN INSURANCE AGENT FROM APPOLO MUNICH SOMETIME IN THE 2ND WEEK OF NOVEMEBER AND AFTER DISCUSSING WITH HIM I DECIDED TO SWITCH MY EXISTING HEALTH POLICY WITH ICICI LOMBORT TO APOLLO MUNCH AND SUBMIITED ALL THE REQUIRED DOCUMENTATION THAT WAS REQUESTED BY HIM ALONG WITH THE PREMIUM PAYMENT OF RS 14439/-

I WAS CONFIRMED THAT POLICY WILL BE IN CONTINUITY WITH MY PREVIOUS POLICY FROM ICICI LOMBART EXPIRING ON 23RD JANUARY 2011 AND THE NEW POLICY WILL BE EFFECTIVE FROM 24TH JANUARY 2011 IF I MADE THE PAYMENT OF THE 5TH JANUARY 2011 WHICH I DID (SEE COPY OF RECEIPT ATTACHED)

ON 5TH FEBRUARY 2011 I CALLED UP THE COMPANY REPRESENTATIVES FROM APOLLO MUNICH SEEKING ADVICE FOR HOSPITALIZATION OF MY WIFE LEELA MUNDHRA.I WAS ADVISED TO ADMIT HER BY MAKING REQUIRED PAYMENT WHICH SUBSEQUENTLY WILL BE RIMEIMBURSED TO ME.

WHEN I REAPPROCHED THE CUSTOMER CARE ON NOW TO FILE A CLAIM THEY INFORMED ME THAT I AM NOT ENTITILED FOR REIMBURSEMENT BECAUSE:
THE POLICY DOES NOT HAVE PORTABILITY CLAUSE AND EVENTUALLY IN ABSENCE OF THE CLAUSE ANY CLAIM CANNOT BE ENTERTAINED FOR THE FIRST 30 DAYS OF THE COMMENCEMENT OF THE POLICY.

MY HUMBLE SUBMISSON IN THE PRESENT CASE IS AS UNDER

I WAS HOLDING A POLICY PRIOR TO EXISTING ONE AND ACCORDINGLY PROCEEDED WITH THE PROCEDURE LIKE MAKING PREMIUM PAYMENT IN ADVANCE.HAVING THE POLICY SIMILAR AMOUNT AND TERMS AS PER ICICI LOMBORT.

IN CASE DOCUMENTS WERE NOT IN ORDER, THE COMPANY WOULD HAVE APPROACHED TO ME FOR CLAIFICATION/DOCUMENTATION BUT INSTEAD OF THAT CONVENIENTLY THEY HAVE DECIDED TO IGNORE THE PORTABILITY CLAUSE AND TREATED THE POLICY AS NEW.

YOU WILL APPRECIATE THAT SUCH UNILATERAL DECISION CAN NOT BE IMPOSED OR CAN NOT BE ACCEPTED AS AN EXCUSE TO DENY A CLAIM.

I have paid Rs.49800/-(Rs. Forty nine thousand eight hundred only) towards hospitalization
And seek your help to recover the same

(SHANKAR LAL MUNDHRA)

I want to inform you about the case between me and Apollo Munich Health Insurance Co. which is as follows:-

I would like to bring to your notice that the proposal form was not filled by me as well as signed by me. It was changed and forged.

The details were also not accurate. I informed the Apollo Munich Company regarding it on 9th October, 2010 after i received and checked my proposal form from them on my request on email.

With reference to my mail,they informed me that my concern has been logged into the system as Case No. 80,309.

After many mails and calls finally on 25th November,2010 i received a response from the company stating that, i should confirm the details of wrong information which i found to be filled in my proposal form by someone else.

I mailed them on the same day i.e. 25th November, 2010 about the details they requested.

On 2nd December, 2010 i received the following reply -:

""With reference to your Case No. 80,309, would like to update you that we had taken up this matter to the team concerned and as per the status we would require fresh underwriting in your case.Please also note that as per declaration of relevant details in the application form, we might re-underwrite the policy.Hence, request you to kindly fill fresh application form and change request form with correct details for necessary action.

Please find enclosed the proposal form and change request form (CRF) as per the requirement and you can send Scan copy of CRF along with copy of ID Proof / address proof as applicable on the same mail ID so that we can proceed further.""

I sent Apollo Munich Health Insurance co. a new proposal form as well as other documents as requested by them from me , which they received on 28th December, 2010.

I was told by the customer relation team from Apollo munich that my issue will be resolved within 15 days starting from 29th December,2010.
Whereas , now its been more than 30 days i have not got any response from them, i have sent many e mails and called them also.

Now my policy is due for renewal , and i am being harassed by the company , as i dont know i can renew it or not ????

As a bona fide citizen , i informed the company about their mis doings, and i am being harassed for the same. I dont want to lose my policy year in any case as i am nowhere at fault.

Kindly consider and give me a solution .


Awaiting for an emphatic response.



Regards

Vikram Marya
+91-[protected]

Apollo Munich Health Insurance Co. ltd
Policy No.[protected]

I got a call on 30 jan 2011 from Agent of Apollo munich Health insurance regadring Health insurance ( Agent name Jindal Intellicom Pvt Ltd and Code[protected] he suggested me for Health insurance for me other and my three other family members and demand for Rs 4348/- for premium covering insurance of four members

But Surprisingly when I got kit I get shocked to see that they have covered insurance for my 3 members but they have not given my insurance , When I contact them at customer care , they told You have given less premium amount , and we given insurance of three members which cost premiun 3990/- and remaining Rs 358 we wil send back through Demand draft at my address , and if you want your insurance you have to pay around Rs 1900 more.

I told them only your agent ask for Rs 4348/- for four members and also if my premium amount is insufficient atleast you have to give single call back before issuing the policy

As they donot inform me about insufficient premium amount and they themself decided to remove my name from insurance this shows negilgence from there part

Also I have given photographs of me and my three others family members to be pasted on card, but I got the card without photograph , when I complaint them regarding this also they told its a small things
May be this is a small thing for them but for me its a untorable issue

When I ask for cancellation of my policy they told they will deduct 25% of my premiun amount ,
But if its not a my fault why should I suffer

Its my request to arrange to give back my Rs 4348/- also compensation of my sufferings

Policy No 1101014/11001/[protected]


Regards,
Sandeep kukreja
Mob [protected]

Respected sir/ madam

This is nisha
Member ID in Apollo Munich Health Insurance Company Ltd., is [protected]
Policy no.[protected]-[protected]
Claim Id 22676


I admitted in the hospital on[protected]. Mr. ML sindwani is my doctor to advise me admits in the hospital than I contact to insurance policy regarding cashless facility and they ready to provide cashless facility.
When I was going to discharge
I have already submitted the entire document by post dated March 2010,[protected],[protected] and presently communication by phone.
Presently they are not given any response about my claim amount
So pls help about the above said matter.
Thanks & Regards
Nisha
Ph..[protected], [protected]

Dear Sir/Madam,

This is with reference to the 3 Medical Insurance Policies with "Apollo Munich", that me and my family had purchased on 20th Feb'2010. The details are herewith specified for your reference :

Policy Holder Relation Policy Number
1. Gurpreet Behl (me) [protected](FLOATER)
2. Ramneek Behl (Sister) [protected]
3. Tejpreet Chatrath (Brother-in-Law) [protected](FLOATER)

The policies were done by Mr.Manjeet Batra from "Santushti". At the time of issuing of the policy, we were told by Mr.Manjeet Batra, that after providing the previous policy details, the cashless benefit on the policies would start within 6 months of the date of issue. Because of this, we had submitted all the relevant documents and information to him.

However, when my brother-in-law, Mr.Tejpreet Chatrath, submitted the papers to RG Stones, Deepali Chowk, Rohini ahead of his wife's operation for removal of Gall Bladder, the cashless offer was rejected by Apollo Munich, stating that the policy tenure is less than a year.

Mr.Manjeet Batra is not available on phone now(Ph No.[protected]).

I hereby request you to please take appropriate action against Mr.Manjeet Batra, and direct your agents not to over commit and mislead people. I am currently working with the Auto Vikas Group, where again, Mr. Manjeet Batra, is providing such policies to my peers and colleagues. After this incident, I would recommend them, not to get themselves insured with such companies.

I am attaching herewith the mail I had sent to Mr. Manjeet Batra with the previous policy details.

I request you to please activate cashless offer on all the above given policy numbers.

Many Thanks !

Regards,
Gurpreet Behl.
F18/15 KRISHNA NAGAR DELHI 110051
MOB:[protected]
Note: Forwarded message attached

-- Original Message --

From: "gurpreetbehl"[protected]@rediffmail.com
To: [protected]@santhusti.co.in
Subject: Scan Copies

Regards

Gurpreet Behl

Mobile : [protected] pls find enclosed attachment of pervious policy of Gurpreet Behl & Ramneek Behl

Regards

Gurpreet Behl

On Tue, 02 Feb 2010 19:10:30 +0530 wrote
>



Dear Gurpreet,



Please see the attachment file.



Best Wisher,



Manjeet
Mitra

Financial Consultant

Santhusti
Financial & Insurance Services

Mobile No. +91-[protected],

e-mail. [protected]@santhusti.co.in

(¨`·.·´¨) Always

`·.¸(¨`·.·´¨) Keep

(¨`·.·´¨)¸.·´
Smiling!

`·.¸.·´










Regards

Gurpreet Behl

Mobile : [protected]

ADDRESS F18/15 KRISHNA NAGAR DELHI 110051

Hi there, I'm 36 yrs. of age having mediclaim policy by Apollo Munich(DKV) from past 2 years.
I’m suffering from High Blood Pressure from past 3-4 months, yesterday while I was in office I started sweating a lot with pain in head & chest, Straightaway I went to the Hospital (Emergency) & doctors asked me to get admitted Immediately, as I have the personal mediclaim policy hence I didn’t hesitate to get admitted, while doctors where examine me and send fax to claim the medical insurance, the APOLLO MUNICH decline my case, as per them my case is not that serious & I should not be get admitted for that.
I spend two days in hospital & have to pay the amount from my own pocket?
Kindly explain, is it my fault if doctor ask me to get admitted immediately, or should I supposed to call Apollo Munich and ask them whether to get admitted or not?
Please help
Vishal Bhatnagar

Apollo munich health insurance agents are very good in making the customer fool. One agent whose name is Mr. Jassi and number [protected].He is the main collpit in my case.He always made wrong commitmentwith me in every matter regarding health insurance from the starting.Actually I gave him my policy to transfer in to apollo munich health insurance from new india assurance in june month of this year and he made wrong policy with no claim bonus and then he apoloized whatever he did and commit me he will make a new policy with no claim bonus with in a week and latter he will cancel wrong policy which he made earlier without no claim bonus after me reciving new policy with bonus. But till now he is not picking my phone and my previous policy will expire on 28 july 2010 after that may be its bonus will not transfer.