Apollo Munich Health Insurance Complaints & Reviews

Hello,

I have the Optima Restore policy # [protected]-01. I am calling your customer care service people for last 6 months to add my new born baby to the policy. I have still not got anyone who can collect the money from me & renew the policy.

In last 4 months few people have called me & telling me that they will come to renew policy but after so many calls also noone came. My baby is already 7 months old and no one has still come to add my baby to the insurance policy, though after so many repetitive calling to the customer care people.

Is this the kind of service from Apollo Munich..??

If the baby details not added in next 10 days, i will cancel the policy & would like to get my money back.

Sikta Pattanaik
cell: [protected]

i have taken a health policy from apollo munich my policy no is [protected], i am payng aprox INR10000 per year from last three years, this year i claimed inr14000, i have submitted all the documents to their claim settling co.(family health plan tpa co ltd) lucknow office nd while submitting documents i asked them plz check any thing elese you require but they told no every thing is o.k. And now after 15days they mailed that i have submitted corban copy of bills due to which they wont be able to procesd my claim.. I have submitted all the orignal bills which i got from hospital, how it became corban copy i dnt know... I request to every one dnt take a policy from apollo munich they are the cheater

hi

Policy No: 110800/11121/[protected]
Agent code: 80145030
Policy Applied on: 11.03.2013
Premium deducted: 14.03.2013
Pollicy Begiing on : 12.03.2013

Policy drawn on : 13.03.2013
Policy scan receipt on : 26.04.2013 (on request from my side after long waiting)

please go through the above dates and answer below questions:

Why policy get begin on 12.03.2013 while drawn on 13.04.2013 (gap of 1 month, totally waste for me) ?

Why origianl papers and card will receive after 2 months while payment is made on 14.03.2013 ?

Why I sould pay for these 2 months ? (2 months are expected date as till now no final date received)


I will really appreciate on response with extension of 2 months.

TNX
Manish Jindal

[protected]

Hi,

I had filed one claim of my sister Kamini Aggarwal at your FHPL, office in Gurgaon. The details are as below:

Name of Insured person: Kamini Aggarwal
Name of Insured: Apollo Munich : 110102 : Noida : SO
Claimed amount: 266944/-
Claimed for: AVN Bilateral Hip
Provider: SitaRam Bhartia Institute of science & research

The said claim got rejected vide Claim ID - 55709 as pre existing disease stated by Apollo Munich health Insurance co.

Facts:

• The policy start date is 23rd Feb,11
• The patient had come to know about this disease in September,2011 when she had acute pain in her left leg
• Had we know earlier we would have not waited for six months to get her operated & let her bear this pain.
• Upon consultation with the doctor we got it operated in October,2011
• The doctor tried for cashless also but the same got rejected by Apollo saying that the patient can claim as reimbursement later.
• We were suggested to pay in advance for the entire expense & later file for the claim
• If that was the case then we should have got her treated in some govt. hospital as she is not that financially sound to bear such a huge expense.

Than again I referred my case to their grievance cell & again got a rejection e mail on 12th Dec, 2011. Post that I got back to TPA at the hospital on 16th jan,2012 stated the reason of rejection but did not receive any reply from them. I even followed up with TPA till 18th Feb,2012 but went in vain.

Than I referred my case to the Ombudsperson on 15th March,2012 detailing out the incident. Since then I have been following up with the Ombudsperson but did not receive any justice. Though exchanged couple of communication with them but fruitless.

My submission here is that why do these companies harras the customers & make false promises. It seems that they are trying to escape of their responsibility. The plea that they are taking is that it is a pre disease existing for more than two years whereas I kept saying that how come a person afford to have pain for two years without any treatment. That is all.

Moreover, we have paid the premium for two years now. Had we intended to any wilful act, we would not have paid the premium in the second year.

I await justice & reimbursement of my claim of 266944/- along with compensation of this delay & mental harrasment.

Best Regards,
Manoj Goel
B/O Kamini Agarwal
[protected]

Dear sir

This is bijay ray Cashless RequestID 79788, UHIDNO:[protected] , on 10/04/2013 i have applied for cashless , after deposition all the necessary document at kolkata apollo hospital next TPA told me that Please sen d all first consultations/prescriptions/reports after depositing prescription then told me Kindly furnish personal habits of the patient. i am far away from hospital it is n't possible to go to hospital every day. kindly do the needful.

thanking you
bijay ray

I recently took an Apollo Munich policy for
my family bearing policy number 1401000/11121/[protected] dt.
04-Mar-2013.

Upon reviewing the policy schedule to my dismay, it was found that
many details of the policy holder has been carelessly keyed in by
Apollo Munich Health Insurance company. Its rather astonishing and
shameful for me to apprehend that a leading private insurance company
like Apollo Munich could make such insensible mistakes which could
lead to lot of hanky-panky situation during the times when I may have
to materialise my insurance during utmost necessity.

I am not in India now and it may take for me months together to come
back and pursue you all to get this rectified. I had personally written and given
the field personnel all the name and age details to the accuracy
as per our records. Also several govt. id proofs have been given to the field agent
as a proof of my written statement with which she can enter the right details in the system database.

The field agent, a woman, was all smiles and flowery words until she got the money for the policy.
Later after that her responses were poor and we had to wait almost for a fortnight to get the reciept.

I would like to say here that whoever entered my data must be very careless in his/her approach towards their job.
AMHI needs to check and recruit deligent people so as to avoid such immature and demeaning incidents.

Hope AMHI understands my problem and try to help me to get the policy
with the right details in it. I anticipate a high level of it'sco-operation in this case.

Thanks,
S A Narayanan

Hi,

I purchased a policy (Policy# [protected]) from Apollo munich for my mother. We raised a claim for caseless and below this happened:

We sent the request in that respone they asked for some document which we send after recieving there request.

Again after getting those docment they asked for some other document when we sent that they asked for some other.

and Most important thing after 48 Hrs (SLA is 6-24 hrs) they are rejecting stating that " There is possibility that this disease may be pre existing so we are rejecting your request"

Apollo Munich Health Insurance Company has rejected my health insurance claim with out giving a valid explanation.
I had a surgery for a fracture in my right wrist on December 2012 and they have refused to reimburse the claim on the grounds of a surgery I had 12 years ago which is completely unrelated and was on another body part. I have provided TWO DOCTORS' certificates confirming that both are UNRELATED and asked Apollo Munich to GIVE MEDICAL GROUNDS FOR REJECTION OF MY CLAIM. BUT THEY HAVEN'T DONE THIS.

They have also kept all my original documents which I submitted while filing the claim and are not returning them in spite of repeated reminders.

Appllo Munich have cheated me; they have been grossly irresponsible and are now unlawfully keeping my property (my documents).

They caused me and my family great stress when they refused the cashless hospitalisation facility they had promised when I took the policy. If I did not have the economic standing to pay for the surgery, my right hand would have been damaged for life.

They have cheated me and have caused great mental stress and trauma and should fulfil their legal responsibility.

-
Radhika Singh

sr. citizens beware of Apollo munich health insurance, they are not to be trusted
we have been contacting mr. Amrit Garg,Assistant Manager (Grievance Cell ) Apollo munich health insurance for over 4 months but he refuses to understand/accept/mishappening of Apollo munich health insurance that they have given us false medical reports just to make easy and unearned money We, sr.citizens,were asked to go to their medical centre to get...

Dear Sir,

I had taken Apollo Munich Health Insurance last year March-2012. My Policy No: 120300/11052/[protected] & its covered a sum insurance for my family ( Myself- RIAZ KHAN, My Wife TASNEEM AQSA & My Son REHAN KHAN) upto Rs 7.5 lac & also covered critical illness of each individual of Rs 7.5 lacs.

On Dec-12 I discovered a small (VASCULAR MALFORMATION-VENOUS) on my left thigh & went to visit a Doctor in Manipal Hospital & he advice for an MRI (report enclosed). As I been employed in UB Group, hence decided to go for an operation in Mallya Hospital only and contacted a Vascular Surgeon (Dr.Nagabhushan). He gave a date of 30th January-2013. (Dr Reports enclosed). Then Hospital Insurance representative (Ms.Neha) submitted document for Insurance claim to Apollo Munich & Claim reference No: 73298 on 28th January-13.

Things got worse from there on. The Apollo Munich Representative ( Dr.Yashwant-[protected]) kept rejecting the claim with various reasons. Mallya Hospital representative told that such things are very common these days with Insurance company. Better you get admitted & once we submit the admit reports & all, they will surely clear your claim.

Finally I got admitted on 30th Jan-13 (Thursday) & again hospital people submitted claims but Apollo Munich Representative ( Dr.Yashwant-[protected]) rejected the claim again by asking some more documents. Finally I got operated on 31st Jan-13 & while taking discharge on 1st Feb-13, Mallya Hospital has submitted all relevant documents (Copy Enclosed) in the morning. But Apollo Munich Representative ( Dr.Yashwant-[protected]) kept asking some documents & this exchange of mails continued for another 5 Hrs.

Finally at 4.00PM Mallya Hospital representative inform me about this which is a huge embarrassment for me & my family members. I immediately made a cash payment & took discharges before things get more obnoxious.

Between these exchange of mails I contacted below listed persons of Apollo Munich & ask their cooperation but rather helping me all tried to escape their hand.
1. Saurabh Pandey-[protected]
2. R Yogananda Reddy- [protected]
3. Dr. Yashwant-[protected] (whom I explained many times over phone about my case but always tries to keep sending different queries)

Enclosed:
1. Discharge Summary
2. Bills Copy
3. Dr.Nagabhusan review
4. MRI Report

Request you to look into the matter with deep concern & suggest further action in this regard. Also want a strict action against the representative mention above so that it avoid unnecessary harassment of customer & save your company image. While selling Mediclaim, these representatives knock every corner of doors & when it comes to claim (Especially from Individuals) they turn their backs.

With a copy of this I am marking copy to:
1. USL Admin & HR Dept to inform all individual Insurance holder of Apollo Munich about this incidents
2. Consumer Complaints Forum
3. National Consumer Help Line

Regards
Riaz Khan
UB Group
UB City, 24, Vittal Mallya Road, Bangalore-560001
Mobile: +91-[protected]

sr. citizens beware of Apollo munich health insurance, they are not to be trusted
we have been contacting mr. Amrit Garg,Assistant Manager (Grievance Cell ) Apollo munich health insurance for over 4 months but he refuses to understand/accept/mishappening of Apollo munich health insurance that they have given us false medical reports just to make easy and unearned money We, sr.citizens,were asked to go to their medical centre to get...

I had a health insurance with ICICI Lombard from 28.12.2009 to 27.12.2010.I changed the insurance to APOLLO MUNICH on 28.12.2010 & I was told that last year will be considered in this new policy & waiting period for many disease will be reduced by 1 year accordingly .I paid the premium cheque and due to some unavoidable reason the cheque bounced and I paid again by demand draft on 28.01.2011.My POLICY issued on 28.12.2010 was cancelled & new POLICY was issued on 28.01.2011.At that time i never thought that this policy is totally new for me & no 1 year reduction will be done in waiting period. When on December 14 2012 I applied for cashless facility for surgery of my wife the insurance company rejected the same by giving the reason that the surgery is under waiting period of 2 years but in reality almost 3 years are completed. APOLLO MUNICH is giving the reason that my policy is not a continuous policy from ICICI LOMBARD but a totally new one & it will complete 2 years on 27.01.2013.KINDLY SUGGEST WHAT TO DO as my Insurance claim is of around Rs.60000 (Sixty thousand only).

EMAIL WRITTEN TO CUSTOMER CARE OF APOLLO MUNICH HEALTH INSURANCE COMPANY LIMITED ON 28TH AUGUST 2012
"Respected Sir,
This is Amar Krishna Kamath from Mumbai , who had applied for OPTIMA RESTORE –FAMILY FLOATER HEALTH INSURANCE PLAN for policy period of 2 years. I was conveyed all the features & benefits of OPTIMA RESTORE –FAMILY FLOATER HEALTH INSURANCE PLAN from the person from the office of Mr. Manish Kumar Thakur (Authorised Apollo Munich Agency Code holder: 80109153, Contact No. : [protected]). He has calculated the premium for 2 year period as Rs. 12667 after deducting 7.5% discount for advance payment.
I have made the payment through issue of Cheque No. 000021 drawn from Bank of Baroda A/c No. [protected] dated 11/08/2012 in the name of Apollo Munich Health Insurance Company Limited for the amount Rs.12, 667.00 towards OPTIMA RESTORE –FAMILY FLOATER HEALTH INSURANCE PLAN for 2 years. The same cheque for payment was honoured from my bank account on 25-Aug 2012 (payment reciept attached)
But to my surprise, on 28th August upon receiving, the policy document send by Apollo Munich Health Insurance to me through professional couriers today which mentions some another plan named EASY HEALTH FLOATER EXCLUSIVE -2 YEAR with POLICY NO.: 160800/11112/[protected] , policy inception date: 16 August 2012 issued for Insured Person Name: Amar Krishna Kamath (Member id [protected]) & Dr. Pooja Amar Kamath (Member Id [protected])
Also, there is a anomaly in the mention of the premium amount paid which shows the premium as Rs. 12726.80 (Gross Premium Amount)-(ie. Rupees Twelve Thousand Seven Hundred Twenty Six & Eighty Paisa) which is certainly not the premium for OPTIMA RESTORE POLICY for which I had issued a cheque to Apollo Munich.
The calculation shown, explained & calculated for my requirement of 3 lacs-OPTIMA RESTORE Plan1 –Age Group 18-35 years for 2 Adults is as follows:Basic Premium per year Rs. 6094 x 2 years x 12.36% tax = 13694.44 – 7.5% discount for Advance Payment Rs. 1027.083 = Rs. 12667.35(Rupees Twelve Thousand Six Hundred Sixty Seven & Thirty Five Paisa only)
After reading this, I am sure you have understood the issue & I eagerly look forward for the much needed correction on priority to ease out my tension.

NO RESPONSE OTHER THAN ELECTRONIC ACKNOWLEDGEMENT OF THE COMPLAINT ON SUBJECT: MEDICLAIM-WRONG POLICY DOCUMENT ISSUED
RESPONSE ON 1ST SEPTEMBER 2012, EMAIL RECEIVED STATING THE FOLLOWING :" Dear Mr. Kamath,Thank you for contacting ApolloMunich.Your Case No. 398,047 regarding below mentioned concern is currently under process with team concerned.We assure you an appropriate response within maximum of two weeks.
Further, if you do not hear from us within 2 maximum of weeks of receipts or not happy with the resolution, you may write to [protected]@apollomunichinsurance.com .Please refer the policy wording and / or visit our website www.apollomunichinsurance.com to know the “Grievance Redressal Procedure”.
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

SUB:- Claim Id 75875 with FHPL TPA
Medicity ID:[protected]
Policy No 110105/1110/[protected] UHID[protected] Apollo Munich Healthcare

Dear Sirs,

I, Sanjay Ahuja, had Family Floater Mediclaim Policy No 354300/38/08/[protected] for a sum of Rs 4,00,000 from M/s National Insurance Co ltd since 2007. I had this policy for 3 years and as you can see no pre-existing diseases were mentioned as well as that no claim was received by them in a period of 3 years. I paid my last premium on 29/11/2010 am amount of Rs 13808/- vide cheque no 605520 drawn of State Bank of India, Inderpuri Branch. This cheque I had sent vide courier and the company said that it did not receive the cheque so my policy was not renewed.

In October 2011, I approached Apollo Munich Healthcare Limited for issuing me a fresh Mediclaim Policy for Rs 5,00,000/- each for myself and my wife separately. At that time the company had conducted several extensive checks to check if my health was perfect or not. I paid a sum of Rs 1350/- to the doctor who conducted the tests and was reimbursed a sum of Rs 425/- after issuance of the policy. My wife who was 55 years at that time also paid Rs 950/- for the tests and was reimbursed Rs 350/- after issuance of her policy.

On 25th April 2012 I experienced heaviness in my chest whilst walking. I took some Gelusil and Eno to relieve my symptoms which continue to persist.

On 1st May 2012 I went to the Local doctor, who prescribed me medicines for acidity.
His prescription was enclosed in my Claim form.

On 4th May I went back to my local doctor since I was not getting any relief, who suggested that I should get a Stress ECHO Test done.

On 5th may I went for the above test to Dr Dhoda’s lab on Pusa Road. My BP recorded before the test was 110/70. While the echo was OK but there was a possibility of Ischemic Heart Diseases.
The report in enclosed in original in the claim form.

I went on 5th Evening to Dr Moshin Wali, HOD Cardiology, Ram Manohar Lohia Hospital. at 4.00pm and upon testing my BP found it to be 164/95. Also he took a random Blood Sugar test using a strip and found my Blood Sugar to be 170. He prescribed Blood Pressure Reducing medicines and Insulin Producing Medicines and Cholesterol reducing medicines apart from Blood Thinning medicines and Nitro Glycerin.

His prescription has been enclosed in original along with my Claim forms.
This is the first time I had been recommended medicines for HYPERTENSION and Diabetes.

He also recommended me to undergo a myocardial per fusion Scan which was done on 10th of May at Delhi Institute of Functional Imaging. This test indicated a 90% blockage in my main artery of my heart. Also a weak heart valve. The report is included in original in my claim form.

I took 2-3 days to consult various doctors and weigh the options available before me before deciding to get an angiography done from Medicity.

I went to Medicity on 15th May at 10.00 am and was examined by Dr Ahmed ,Junior for Dr. R.R. Kasliwal. His prescription is as given below:-


I was admitted on 15th May for Angiography at Medicity and they preformed the angioplasty the same time as I was already in the Cath lab. I had deposited Rs 11000 for Angiography and they asked me to deposit another 115000 for the procedure. I had to deposit another 125000 before the discharge could take place.

When I was discharged on 17th they gave me a copy for the TPA desk which should contain all the relevant documents. This along with other originals was deposited by me in a couple of days to the TPA along with my claim forms duly filled.

The TPA M/s FHPL informed me to get the Certified Case Sheet Reports from the Hospital. I had sent my representative on 11th June to Medicity but he was sent around in circles without any result. I had written to the Doctor Dr R R Kasliwal and he has written back that I can get the concerned documents from the TPA desk.

Sanjay Ahuja ✆
Jun 9 (7 days ago)


to rr.kasliwal, rrkasliwal, info, RAMESH, rnarula63


Dear Sirs,

I Sanjay Ahuja Patient Id no MM00239777 had an angioplasty done at Medanta on 15/05/2012 and was discharged on 17/05/2012.

The Third party Insurance company has asked me for CERTIFIED INDOOR CASE SHEETS from the hospital.
My representative will be visiting the hospital on Monday 11th June at 10.00am to collect these sheets.
He will be meeting you or your juniors for the same.

Kindly arrange to have these sheets ready by then.

Thanking you,

Regards


Ravi R Kasliwal ✆
Jun 9 (7 days ago)


to me


Please send him to TPA counter they are the right person.


Dr R R KASLIWAL
MBBS, MD, DM (Cardiology)
Chairman- Clinical & Preventive Cardiology
Medanta Heart Institute
Medanta The Medicity
Sector 38, Rajiv Chowk
0- [protected], [protected]
[protected]@hotmail.com, rr.[protected]@medanta .org


I then sent the following letter to the TPA authorizing them and the hospital to hand over the case sheets to the T P A. The TPA was able to get the Certified Internal case Sheet reports from the hospital and on 5th July 2012 rejected my claim informing me that “CASE IS REJECTED DUE TO NON DICSLOSURE OF MEDICAL FACTS”

I sought from them the report on which they had based their points and they send me the following document:-


Now the points to be noted here are as under:-

a) I was extensively tested for medical problems by the Previous Healthcare Insurance company as well as by your company prescribed doctor. His ECG and other tests came out perfect and my policy was issued. In case I had been suffering from CAD since the last 10 years, should not it have been detected in my ECG which would have shown siginifant changes?
b) If my intention was to defraud the Insurance company and had I been suffering from CAD since the last 10 years, I would have sought the claim from M/s National Insurance Co ltd and not Apollo Munich Healthcare.
c) I would have filed for the claim within the period of 3 months of obtaining the policy from M/s National Insurance co ltd and not waited till I had actually suffered.
d) The Report of Dr Ahmed, the only doctor who examined me says *HTN (Newly Discovered) and *DM (Newly Discovered) where as the above report on which basis the claim was rejected says “Patient is a know case of HTN and DM and that patient had ? ACS (10 years back)”. Now which prescription or medical history is correct? Even the doctor who wrote this prescription is unsure about his diagnosis as he has put a question mark in his report.
e) The Report on which my claim has been rejected does not carry my name of Patient ID no of Medicity.

I have taken a health policy under portability scheme from Appolo Munich Health Insurance in Jan 2012.my previous policy was from Star Health Insurance but when i register for insurance claim on 09/06/2012,when i came to know that my policy is not under portability scheme and they told me my policy is fresh policy .company executive till date told me my policy is under portability policy scheme.

Hi,

We have filed a claim with Apoolo Munich thru agent FAMILY HEALTH PLAN (TPA) LIMITED. (www.fhpl.net). The claim amount is approved and they mentioned in the renewal letter asking for premium for 2012 year. And once we paid the amount for premium, they have cloased the claim, askuing for id proof. I (C Santosh Kumar), went to FHPL office with id proof and spoke with the agent, and they told they will reopen the case soon, as. but it is more than a month. we haven't received the claim open message or claim amount. My brother has signed the register there.

The claim amount is nearl;y 47 thousand.

Could you please help with this.

Claim ID : 70841/1 .


Policy No: 140100/11001/[protected].



Name of the insurer : Apollo Munich Health Insurance Co. Ltd.



Name of the Insured: C Santosh Kumar



Name of the Policy Holder : C Santosh Kumar



Hopital Name: Nichani Health Center



UHID No. [protected]



Date of Admission: 14 Mar 2012



Date of Discharge: 29 Mar 2012





Please do the needful as early as possible. Looking forward to your Valuable Reply.



Thanks,



C Santosh Kumar

IRDA Complaint No.[protected] received dated 21-Nov-2011. & ( Our Ref. No. AMH/IRDA/2011-12/131 )

As per requirements of Apollo Munich health Insurance company, my consulting doctor already send
five times the supporting letter to Apollo team regarding my Treatment in Apollo Hospital at Sarita Vihar. Now, he denies to write
more letters as he writes the same response again and again.

If they want any more investigation, then they can contact Apollo
Hospital.At the time of buying the policy,i am totally fit and totally
unaware that such kind of complications created from Apollo Munich health Insurance company in such
huge way.
please, it is enough ,that every time they are raising unwanted
queries again and again,please take a concrete action for the same. If
any one is on the bed and Apollo Munich Health Insurance Company Limited are arising unwanted queries ,it
is very shame full that they are increasing the complexities to the
patient to a great extend.

I also make a request ti IRDA Authority, that please look into the
matter, as it is a problem of every policy holder.

With Best Regards
Nikhil Kumar Srivastava
[protected]

hi sir i have taken apollo munich health insurance but its not responding for asthma diseases so i thought to get my money back.and i have applied for refund my money on 20/12/2011 but till today they are not responding so i have decided to put case in consumer court.your health insurance people lies a lot that about refunding the amount.my policy number is [protected].

I, CHANDRIKA SARKAR, had taken a health Insurance policy no.130100/11001/[protected]-02, card no. [protected] for the year 2011-12 and it so happened that I had to be hospitalized from 01.02.12 to 03.02.12 due to a minor health complaint. As per claim requirements I had submitted all documents related to hospitalization, diagnosis & treatment to the Family Health Plan Ltd(FHPL) office on rd no 2, Banjara hillswell within the claims date.. FHPL is a body that processes claims for various health insurance companies.

They have rejected my claims on the flimsy ground that did not submit to them my previous hospitalization details from an appendix operationa that happened in June, 2009. I explained to them my inability to produce the same since I had moved house twice after that and the related documents had gotten lost. More so this happened before I had taken a policy.They told me it would be okay if I gave a written undertaking saying the same, which I did.

I request the concerned authorities to please ensure that justice is delivered in this case or else salaried people like me will have continue to be cheated by such unscruplous bodies like the FHPL and Apollo Munich health Insurance Co.

17/01/2012
respected sir,
I wanted to get portability from new india assurance company to appolomunich jus with the only condition as if I am getting all continuity benefits, no claim bonus etc then and then only I will get transferred if any of it is lacking I am not interested getting transferred to appolo munich….One of their agent mr rohit tondon (mob [protected]) assured me for all this will be done and got my sign on application form saying that he will fill up all necessary details…he asked for pervious policy copies I said it is not preserved so he said you give declaration saying so…I said if I declare so then will I get my continuation benefits and no claim bonuses…he said yes….Because in my policy it self it is mentioned in the bottom line that “policy in continuation since 2002” so he said it will be done…

relaying on his assurance I DID not renewd my new india assurance policy because I was to get portability benefits from appolomunich…but after that appolo DID not gave me such benefits saying that I had not submitted backdated policy….

So I got the copies of my back dated policies from my chartered accountant and submitted to mr sunil(manager) in ahmedabad office…he accelerated the matter and said now I will get all my continuity benefits but as of date I am not given justice,

I want to take actions against appolomunich for giving me mental harassment ….And get me justice too…..

on 21/11/2011 I emailed to appolomunich (from: samir dave
to: "[protected]@apollomunichinsurance.Com"
CC: "[protected]@gmail.Com" ; "[protected]@hotmail.Com"
sent: monday, november 21, 2011 8:47 am
subject: very high priority online declaration for my portability request by application no [protected])

saying as, “dear sir, I had opted for the portability of my medicaid policy from new india assurance company (policy no as[protected]) to be renewed with your company by application no [protected]as I find the earlier one(new india assurance company) as not proper.....

after that rohit my agent asked me to give one more declaration and I DID so by email as,

----- forwarded message -----
from: samir dave
to: "[protected]@apollomunichinsurance.Com"
CC: "[protected]@hotmail.Com" ; "[protected]@gmail.Com"
sent: thursday, november 24, 2011 8:51 am
subject: very high priority online declaration for my portability request by application no [protected]

24/11/2011
dear sir,
with reference to my email dated 21/11/11. I got a very nice cooperation from mr sunil (bm0, ahmedabad, gujarat,

I would further like to say that I am a continues mediclaim policy holder of new india assurance company since more than 15 years....

I further declare that I do not have any sickness nor any medicines are going on so no critical disease is in my case....

I request you to make my portability in continuation of all my past years with new india assurance co so that I do not lose any such benefits of my continuing the policy since more thane a decade....

I appreciate the efforts of mr. Sunil, mr naresh and mr rohit in this case…..

samir dave

then again I wrote to them by email as,

on thu, 11/24/11, samir dave wrote:

from: samir dave
subject: very high priority application no [protected]...status?
to: "[protected]@apollomunichinsurance.Com"
date: thursday, november 24, 2011, 10:03 pm

dear sir,

pl. Let me know the status of my application no [protected],

this is very very high time taken by your goodness ......

my new india assurance policy gets expire on 4/12/2011, that is very soon...pl. Pl. Pl.

Then again I emailed them saying as,

from: samir dave [mailto:[protected]@yahoo.Com]
sent: sunday, december 04, 2011 10:14 pm
to: customer service
subject: fw: very high priority application no [protected]...status?

call ref no 267.197

policy no [protected]....issued to me is a cheating to me....

after talking to ur executive ...even after three days I am not updated nor revert about....

if in next 48 hours I am not given justice I shall be forced to take legal shelter and contact irda

awaiting for your kind reply,

samir

then again I emailed to appolo as, --- on thu, 12/8/11, samir dave wrote:

from: samir dave
subject: I will move to consumer protection forums, irda and all such concern authorities for justice. Case no 267,197 policy no [protected]
to: [protected]@apollomunichinsurance.Com
date: thursday, december 8, 2011, 8:27 pm

I personally handed over all my last 8 years policy copies to mr. Sunil a branch head at ahmedabad office , on 08/12/2011, now I must get justice else I will move to consumer protection forums, irda and all such concern authorities for justice.

Awaiting for your kind reply,

again I emailed as, from: samir dave [mailto:[protected]@yahoo.Com]
sent: wednesday, december 14, 2011 1:56 pm
to: grievance
CC: customer service
subject: I have not received any final status reply about my queries on,. Case no 267,197 policy no [protected]

14/12/2011

dear sir,
as of date ,
I have not received any final status reply about my queries on,. Case no 267,197 policy no [protected]

this is my final notice to you, now if I do not get a satisfactory conclusion on my problems from you in next 48 hours,
I shall be forced to take legal shelter now.

Samir dave

awaiting for your kind reply,

samir

again I emailed to appolo as, on tue, 12/20/11, samir dave wrote:

from: samir dave
subject: I have not received any final status reply about my queries on,.Case no 267,197 policy no [protected]
to: "customer service"
CC: "apolo munich grievance"
date: tuesday, december 20, 2011, 11:54 am

20/12/2011

thanks ,
I am not happy with the no claim bonus benefits passed to me and continuation benefits...
both are considered as new policy ,
but I am a portability customer and having my policies with new india assurance company since more than 20 years without break (I migrated to ahmedabad from mumbai in 2002 so 2002 onwards I have my medical policy with new india assurance company ) so I must get long term continuation benefits for no claim bonus as well as no disease continuation benefits to...which not given to me...I have submitted all back dated policy copies to mr sunil at your ahmedabad branch in person which proves my continuation.....

awaiting for your kind reply,

samir

again I emailed to appolo as, friday, 06 january 2012

dear sunilji,

I have not received any final status reply about my queries on,. Case no 267,197 policy no [protected]
I appreciate ur efforts for my queries to get resolved,
I have not yet received any solution on it,
as you know I have submitted all my last eight year's medical policies to you long back....pl. Follow up at your end and help me to get justice at the earliest and oblige.

Awaiting for your kind reply,

samir

at last I am tiered of them and I took irda’s shelter with the faith that I will get the justice with all harassment compensations…..

*have you approached insurance company regarding this grievance (if yes provide ref no )

yes

regards,

consumer affairs department

irda

basheerbagh

hyderabad

awaiting for your kind reply,

samir