[Resolved] Bajaj Allianz — bajaj allianz cheat

1 Review
Kidwai Nagar, Uttar Pradesh, India
 priyankagoel on Mar 26, 2020
Posting the complaint again as i didn't get right email id on my other complaint reference no. Ba - 1513.
Bajaj responded with email id that shows as [protected]@bajajallianz.co.in. Please call at my number [protected] to share the correct email id
Bajaj allianz has cheated senior citizens and looted money. They are completely unethical and can go to any limits in cheating their customers and rejecting claims.
We have been paying high premium for our old aged parents from last 2 years and 10 months. At the time of purchasing the policy, we did what all they asked us to do in terms of medical test and they issued policy excluding diabetes (As existing) for 3 years.
Later on my mother got lungs infection issue and she got into icu, we submitted the claim and everything changed.
Insurer didn't approve it immediately and we started paying money we owe to hospital. After aggressive follow up with insurer, it got into quality review and investigations. Later on they denied saying patient has existing disease and was not disclosed at the time of policy purchase.
Those 2 days were difficult as we were dealing with our mother situation and still paying the cash from our pocket.

They put all the numbers incorrectly while denying the claim about hypertension as existing since 20 years, copd and ckd since 5 years.
As a matter of fact, there was no history of hypertension with patient and neither copd and ckd when she took the policy.
When we spoke to tpa/hospital, they also confirmed they never gave those numbers.

My concerns:
1) why did they issue policy and did not do appropriate medical tests if they think their numbers are correct?
2) where is the proof showing these diseases exist since 20 or 5 years?
3) now when we are only 2 months away from completing 3 years and be eligible for any pre-existing disease also, bajaj allianz is now voiding the policy and forfeiting all premium paid.
Where are those customer representative or sales agents calls who give big promises while issuing policy as if insurer cares for people. I don’t expect any emotional support but i expect companies to be ethical in what they do.
It's completely a misstatement of the facts by bajaj allianz and i will be taking it to the next level.
This is a total cheat on us and we want justice as soon as possible.
People take policy for their ease during their difficult times. After being regular and paying high premium continuously, now is the time to pay back. But bajaj allianz created all possible trouble during the needs.
Complaint marked as Resolved 2020-05-10 15:27:20

Complaint Status

[Mar 26, 2020] Bajaj Allianz customer support has been notified about the posted complaint.
Verified Support
Bajaj Allianz Customer Care's response Apr 07, 2020
Dear Priyanka,

That’s not the kind of service we want you to have. We apologize for the inconvenience. Kindly share us your contact details and policy number along with your email address. We will address the issue and get back to you.

Bajaj Allianz Life Insurance Team.
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