Apollo Munich Health Insurance — Cheating

Address:	110096
Website:	apollomunichhealthinsurance.com

To whomsoever it may concern

I am enjoying optima restore policy from your company from last 3 years and on 16th march2016 an executive from your company name aadesh kumar (Code no[protected] visited to collect the premium cheque for my existing policy, after receiving the cheque he asked for any reference for a new policy and also prompted me to get the same policy for my husband which i agreed upon. He explained me features of optima restore policy again and told me premium of rs.4598 for a cover of 5 lakh. When i asked why the premium is so less whereas my premium is high the he told me since it is a fresh policy that is why premium is low. After my approval he took my signatures on the proposal form and i on his good faith has signed the proposal form. As a layman customer i was not aware that different policy have different proposals form. He fraudulently took the signatures on form as the upper side of the form which mentions the name of the policy was folded. He has done a fraud by selling me a policy which i never asked for.
It is further advised that after collecting the cheque mr. Adesh never responded to me to inform the status of the policy document. On my constant pursuance i could trace him out who then sent me the policy document on my mail on 6th april2016 whereas the cheque was debited from my account on 16th marc2016. I never received the hard copy of the policy and after my constant chase up i received the document on my mail. After going through policy document i found out that it was “easy health policy” instead of optima restore, i immediately contacted aadesh to confirm about this upon which he admitted his mistake and told me he did the mistake out of confusion (His calls may be tracked for confirmation). The i asked him to get the policy converted in to optima restore upon which he flatly refused that it cannot be converted, after that i called up customer care and asked them for solution and they also gave me same response that it cannot be converted so i told them to cancel my policy as this policy was mis-selled to me. After that i got several calls from customer care asking the reasons but no-body gave me the solution and finally they told me that i will be only getting 75% of the refund, i asked them the reason because as per irda if anybody cancels the policy with in free look period 100% amount is refunded then the customer care executive gave me a very vague reason that since i have admitted that this policy has been mis-selled therefore in this case they will not be refunding 100% amount.
On 3rd may i again got a call from customer care and they told me that their sales head mr. Devendra singh rawat and aadesh kumar are also on line.In that conversation mr. Devendra singh rawat told me that 100 % money cannot be refunded and if i allow that they can now convert the policy into optima restore after taking deviation approval. If there is a process of taking deviation approval then why this step was not taken in the first instance. I never told mr. Rawat to convert the policy, i had asked him to give me day’s time to rethink over it and after that i get a message that my complaint has been resolved and closed.
Fed up of such behavior i strongly instruct you to certainly cancel my policy and refund me 100% amount (Rs 4598) to avoid any legal complications otherwise i would be bound to knock the doors of higher ups/court of law.

Thanks
Nisha gaur