Apollo Munich Health Insurance — cheating customer with out services looting the money from common man

sumanmallela

Address:	Bangalore, Karnataka, 560075
Website:	amhi.in

Hi,
My name is Suman Mallela, I have taken the Heath Insurance Policy in Apollo Munich Health Insurance Company in[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000 Not claimed in the first year, Paid Premium[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name MaximaSum Assured Amount 300000 not claimed in the second year also, Paid Third Premium[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000 Not Claimed any thing in the Third Year, Paid Fourth Year[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000 .

My Father had breathing problem so did health check up in 2013 they suggested to do angiogram test we did it and they said there is a block in D3 50% nothing that's common it's not in main branches use ECO SPRINE AV 75M Tablets.

Recently i have take to health checkup in Manipal Hospital Bangalore we said there was block in D3 and now he is having breathing problem while he is walking the doctor suggested to do angiogram test again they found nothing this time even D3 also clear.

I have claimed the cashless claim through Apollo Munich Help desk in manipal bangalore old airport road. the one who guided if you have any previous reports please submit rather submiting the same day reports i have given 2013 angiogram test reports which is not relevant to the claim.

By end of that day the rejected the claim non-disclosing the previous decease i was surprised to see that is it a decease..!

Dear Subbarayudu Mallela, we regret that the cashless request for Subbarayudu Mallela is rejected. Call us at [protected].For quick and easy access to view the claim status you may login on.

It just a test and there is no surgery happened for that.i thought i can go for reimbursement i have collected all the reports from the hospital that he is perfectly alright no block found.

next morning i received SMS from Apollo Minuch as below:
Dear MR Suman Mallela, notice for termination of your policy number AA[protected] in view of non -disclosure has been sent to your registered address. Please contact your agent or call[protected] for more details. Team Apollo Munich

I contacted the Apollo Munich insurance Customer care they said your policy is terminated because of non-disclosure the claim fall under he year[protected] Policy unfortunately i have paid the premium for the next year also for[protected] around 30K the customer case lady told we will not refund the premium even tho the services are not started it's your mistake.

When i recollect when i apply for the policy i have informed the agent about the test he said nothing to worry sir our company will send the policy member to hospital after checking everything we will issue the policy same way they have charged me 5k for test and did ECG also and they said the policy member is perfectly alright so we are issuing the policy.

now they are saying since you have made mistake of non disclosure we terminated and we will not refund the next year premium also.

I would like to file a case since the company is cheating by giving false information and by looting the money from normal common man 30k money with out providing the service and rejecting the claim amount 40K and terminating the policy by cheating the customer.

Please contact [protected]@gmail.com Mobile Number [protected]
I am not getting the help and no proper discussion arranged from the Apollo Munich.

Here my point is they have issued the policy after checking the all tests and in that ECG also one of the Test which will give about the heart issues.

They have agreed that the test done by Apollo Munich recommended hospital is perfect and then issues the policy.

30K premium with out giving the services they don't want to refund for a common man it's not a small amount and the company stopped the policy and they rejected the claims is this the right way? i want to file consumer complaint against apollo munich insurance company they should not cheat any customer like this.

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Apollo Munich Health Insurance customer support has been notified about the posted complaint.

Apr 02, 2018

Updated by sumanmallela Please consider this case i am ready to fight against apollo munich insurance company.

Apr 06, 2018

Updated by sumanmallela No I am going to file a complaint on Apollo Munich since they are cheating the customers by taking the money.
Here my point is they have issued the policy after taking the member to hospital and they did ECG and the reports are went to Apollo Munich and verified and then they issued the policy if the customer forgot why their doctor is not able to find the problem while they took the checkup for issuing the policy.

They are cheating by taking some reports which is submitted by the member since there was no issue in the reports.

Here the Insurance company is looking the Member age is crossing the 60 years and entered in to 61 so they want to terminate the policy that to after making the premium of around 30K not even started when they reported that they will terminate the issue this means they are cheating the customers for a common man 30K is not small amount and i will not leave this issue they are not even want to disclose the issue with consumer Complaints portal please make a note of that.

Apr 06, 2018

Updated by sumanmallela My name is Suman Mallela, I have taken the Heath Insurance Policy in Apollo Munich Health Insurance Company in the
Year[protected] with the Policy Number AA00213929 in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000 Paid First Premium Rs.19446.50
Renewed for Year[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name MaximaSum Assured Amount 300000, Paid Second Premium Rs.19446.50
Renewed for Year[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000, Paid Third Premium Rs.19446.50
They also increased the premium since the Insured Member age is crossed 60 Years from 19446.50/- to 29301/- I have paid the premium amount before the due date that mean earlier than the actual policy start date.
Renewed for[protected] with the Policy Number AA[protected] in the Name of Mr Subbarayudu Mallela Policy Name Maxima Sum Assured Amount 300000, Paid Premium amount 29301/- before the Due date but the Policy term is not started when they raise the termination notice. So I have the receipt of the payment made.
Every Year I take my father for Health Check up same way we have done the health checkup in Manipal Hospital Old Airport road Bangalore on 27th March 2018 and the doctor asked my father do you have any problem then my father replied that I will become tied if I walk and claim then he suggested to do angiogram test then in the same day we decided to the test and admitted him for cash less approaching the Apollo Munich Health Insurance help desk.
Rather collecting the reports from hospital they force me to submit all the old reports which I have in the name of Mr Subbarayudu Mallela hence I found few very old reports of Treadmill test and gave the same with the help desk.
They have rejected the claim for the angiogram test and I have paid from my own pocket around Rs.20000/-
We got the reports on the same day that he is perfectly all right I thought I will go for reimbursement.
After we discharge from hospital I received SMS from Apollo Munich Insurance Company about terminating the Policy Number AA00213929 in the Name of Mr Subbarayudu Mallela for Non disclosing the old reports.
While I was applying for the policy I have clearly explained the Apollo Insurance Company employee about the previous history for Policy Member Mr Subbarayudu Mallela.
The Apollo Munich Insurance Employee guided me that Apollo Munich Insurance Company will prefer the Insured Member to do the Health checkup Process and if the Member has any issues Apollo Munch Insurance will not Issue the Policy.
Same way they gave the preferred hospital name and the insured member attended the Health Checkup Process and the reports were sent to directly to Insurance company and the Health Checkup Process has the ECG/Treadmill test and they said the member is perfectly alright and issued the Policy in the same month and year.
Now the Apollo Munich Insurance company terminating the policy since the Member of the Policy age is crossed 60 Years, in india insurance companies are not interested to provide the insurance who cross the age of 60 Years since the Insured Member age also crossing the age of 60 they are finding the problems of the patents and terminating the policy.
Before Issuing the Policy the Insured Member is already attended the Health Checkup Process initiated by Apollo Munich Insurance Company and after checking the all the health reports the Insurance Company issued the policy in the Name of Mr Subbarayudu Mallela.
Note: I called the Apollo Insurance Company to discuss about the issue which is created by the company on the Policy Number AA00213929 in the Name of Mr Subbarayudu Mallela.
They are not ready to discuss about the issue, when I ask about[protected] Premium which I have paid before the due date if you are terminating the policy do I get the refund they replied that we will not refund the premium even though the services are not yet started.
If Insurance Companies are looting the money without services I am really sad and irritated about the companies how they are making money by looting from common man.

Jun 05, 2018

Updated by sumanmallela i am planning to approach lawyer to file case against on Apollo munich health insurance not responding to me even after giving the complaint to consumer complaints forum