Cognate Health Services Complaints & Reviews

I have purchased policy amounting to rs10000 for 2 members dated 10th nan 2019 for which invoice number inv3339 but still i am struggling to claim my bills
This is for your kind information that there is no satisfactory reply from organisation after getting enrolment only i m getting the auto mail reply that thanks for your interest nothing else i think this company is totally fraud base and cheating the customers nothing else as i have submitted the bill copy from last month there is no reply on it even executive also not picking the phone.
And no customer care number is responding at all.

I got this policy for 4 member. I have submitted few bills and there is no reply from them and all telephone is not reachable and no response on mail.

Now its almost 2 months when i submit claims, no reply from them. Fraud company.
Details: coral preventive health package
Plan: 1 yr
Amount paid: 6000
Payment mode: paytm
Invoice date: 03/12/2019
Invoice no. Inv3243
Policy holder: ayush aren

Hi team,

Cognate health services pvt. Ltd contacted me from landline no [protected] on 8th january 2020 for policy stating that if you take our policy you will get various policy benefits for your medical services. They mentioned the below benefits
Health check up:

Free health check up voucher for 71 routine tests. (Per head)

Dentistry:
• free dental check up voucher which includes cleaning and scaling.
• 100% concession on doctor consultation.
• 50% concessions on dental offerings like cleaning and dental x-rays.
• 30% off on dental treatments, like - root canal, filling, cosmetic treatment, denture etc.

Ophthalmology :

• free eye check up voucher.
• 50 % off on doctor consultation and examination.
• 30% off on eye treatments.

Other services:
• doctor and clinic services: 50 % off on all doctor consultations and examinations.
• hospitals benefits: 30% discount at hospitals
• diagnostic center benefits:- 30 % off on all pathology tests and 30% off on radiology tests.
• doctor my side service:- free 24 hours health line facility to speak to doctors for major or minor illness.
• pharmacy benefits:- 20% off on medicines
• tax benefits:- 5000/- php tax deduction under section 80d.

Vas services :-
Maternity benefits :
1. 50 % off on doctor consultation and examination.
2. 30% off on all pathology tests and 30% off on radiology tests.
3. 20% off on medicines.
4. 30% concession on delivery (Normal & surgical)

New born baby benefits:
1. 50 % off on doctor consultation and examination.
2. 30% off on all pathology tests and 30% off on radiology tests.
3. 20% off on medicines.
4. 30% off on vaccinations. (Up to 5 years of age).

Additional benefits :
1. No age limit and pre-existing diseases restrictions.
2. Same membership fees irrespective of age and / or medical condition.
3. No waiting period.
4. No hidden deductibles or hidden charges
5. No limitation on number of visits & services availed.
6. Tax saving benefit under section 80 (D)


Note:

If you visit our em-paneled centers, you can avail instant discount by presenting our health card there and for non-paneled centers you are required to share your bills with us and we will be processing the reimbursement with in 7-10 working days (Bills are to be sent within fifteen days after the doctor visit).

Registration number is 314439
Cognate health services private limited's corporate identification number is (Cin) u85320dl2017ptc314439


When i doubted on benefits of the policy mr pankaj with mobile no – [protected] contacted me personally from his mobile no and stated that this is my no and my other contact no are

[protected]
[protected]
[protected]
[protected]

Also mentioned that “we provide 45 days for free look up which means, if you get the benefits word to word then you can continue other wise you can cancel all the services on urgent basis and your whole amount will be refunded in your account with in 24 hours”.

After that i purchased the policy by paying 2000 & sent the invoice for one of my doctors consultation invoice for inr 680 & then there was no response from calls & even the emails.
After a day customer care responded to me over email stating that in inr 2000 there is no reimbursements & we don’t provide such services. Mr. Rohit bajaj (With mobile no – [protected]) is team leader for pankaj who picked my call on 12th jan evening and stated madam if you are not satisfied pankaj will call you on monday (I. E 13th jan) morning and cancel your membership & we will refund your amount completely. Now he is also not responding to my calls.
Request you to help me get my refund of 2k from this fake company, as i have all emails in which these above information is mentioned.

Regards,
Urvashi b hiremath

This is a fraud company that contacts people and promises to refund 50% of their doctor's fees by taking membership of their scheme. They even promise to bear the interest portion if the charges are paid by emi using a credit card. The fun starts after you have paid up. They will stop taking your calls completely and the helpline number mentioned is impossible to get.

This is fully choor company guys never take the policy from this company,
They are making the fool to customers enka kaam h logo se paise lena sirf... Aisi companies ko bahut gaaliya do, chor company logo kaa paisa maarna kaam h enka bus.
Enke saare phone no fraud h koi mails kaa reply nhi karte, thodi abusing se baatein ker do toh policy terminate ker dete h.

Please guys don't purchase the policy from this super duper fraud company.

My self is parth acharya and i had brought a three year policy in july 2019 for my kid worth of 8000 rs.
I had sent many bills to them for reimbursement but not even a single bill they cleared. I had called them for many times and they are just ignoring me even after sending too many mails. Mr. Rohit bajaj was the person who called me to purchase the policy and promised me that they will give the reimbursement within 15 working days. Now its more that 2 months passed and i am waiting for the reimbursement or refund of the policy as had sent a mail of cancelling the policy on 10th december. But they have ignore the mail.
I have complaint to indian consumer complaints forum on 13/12/2019 but still the problem is not solved. They have not refund the policy amount or not reimburse the bills.

Parth acharya

My self is parth acharya and i had brought a three year policy in july 2019 for my kid worth of 8000 rs.
I had sent many bills to them for reimbursement but not even a single bill they cleared. I had called them for many times and they are just ignoring me even after sending too many mails. Mr. Rohit bajaj was the person who called me to purchase the policy and promised me that they will give the reimbursement within 15 working days. Now its more that 2 months passed and i am waiting for the reimbursement or refund of the policy as had sent a mail of cancelling the policy on 10th december. But they have ignore the mail.
Pl help me out from the problem.

Parth acharya

Sales team from cognate health Organisation committed various benefits through email inboxed to me.But after purchasing policy, benefits mentioned in policy ( preventive health plan )documents are lesser than they had committed on email.

I am following up with cognate health Organisation through email and phones but not getting any response from them.Since 45 days freelook period of policy is near to ending in few days. They delibrately not answering or replying to my genuine issue.

Request this forum to escalate it to company and get it resolved on priority.

Company: Cognate Health Service Pvt Ltd

I have opted their coral preventive health membership for my entire family of 4 members for three years. The firm representative mr. Abhinav offer so much things in the plan but actually they are unable to fulfill all the commitments once you took their plan. The first thing which is very confusing is when they offered the plan they did not disclose that their commitments are only valid in location where they have empanelled health care centres. They also offer to provide another discount of 20% on medicine bills even if you purchase medicines online pharmacy (Like netmed, medlife etc etc). But when i submitted bills of medicine then they disclosed that they will only provide discount on medicines purchased from their empanelled pharmacy and that too only 20%. What is the advantage of procurring medicines from

Their empanelled pharmacy store when all online pharmacy store are providing discount upto 20%. I am living in the location where there is no empanelled health centres of the company exists so i am even unable to utilise the vouchers provided by them along with the plan. When i talked to the company the are talking rudely and replying my mails after much delay.

If you get a chance to see this post then please do not buy a policy from this company. I do not want everyone to suffer like me.

Guys, their sales team make a lot of fake promises while selling the policy. They even say if you do not like our service then you can cancel within 45 days. I used their service and it sucks. I requested them to return my money and they are not doing it now. Their sales team stressed many times that you can cancel the policy within 45 days. I have recorded all the calls.

I still remember a few of their sales people name who sold this police to me i. E. Aru, khanduja and rohit...

They even say this post is written by our competitor. Please do not fall into this trap. I did a mistake but i do not want others to do the same

I have never come across this kind of company in my life. I will not leave these guys, until i get my money back

If you get a chance to see this post then please do not buy a policy from this company. I do not want everyone to suffer like me.

Guys, their sales team make a lot of fake promises while selling the policy. They even say if you do not like our service then you can cancel within 45 days. I used their service and it sucks. I requested them to return my money and they are not doing it now. Their sales team stressed many times that you can cancel the policy within 45 days. I have recorded all the calls.

I still remember a few of their sales people name who sold this police to me i. E. Aru, khanduja and rohit...

They even say this post is written by our competitor. Please do not fall into this trap. I did a mistake but i do not want others to do the same

I have never come across this kind of company in my life. I will not leave these guys, until i get my money back

Customers be-aware!!

Please never purchase policy from this company, otherwise you will suffer lot. Their customer care service is the worst. They are here only to loot people's money.
_

I purchased the preventive health policy on july 2nd 2019 for 10, 000. While buying this policy, the sales team promised me that if you do not like our service then you can cancel within 45 days. Guys these people make lot of fake promises while selling the policy. I have used this company service for a few times and still suffering, why did i purchase this policy.

The sales people stressed that, if you do not like our service then you can cancel within 45 days. I have recorded all the conversations until now. Even while buying this policy, i requested for terms and conditions and they said that we do not have anything as such.

Now they are saying that you bought this policy during promotional time, so you cannot cancel this policy.

Their promotion campaign runs for across the year.

I have recorded all the conversations until now. Kindly return my money immediately

Regards
Vebhav bhandari

Customers be-aware!!

Please never purchase a policy from this company, otherwise you will suffer lot. Their customer care service is the worst. They are here only to loot people's money.
_

I purchased the preventive health policy on july 2nd 2019 for 10, 000. While buying this policy, the sales team promised me that if you do not like our service then you can cancel within 45 days. Guys these people make lot of fake promises while selling the policy. I have used this company service for a few times and still suffering, why did i purchase this policy.

The sales people stressed lot, if you do not like our service then you can cancel within 45 days. I have recorded all the conversations until now. Even while buying this policy, i requested for terms and conditions and they said that we do not have anything as such.

Now they are saying you bought this policy during promotional time, so you cannot cancel this policy.

Their promotion campaign runs for across the year.

I have recorded all the conversations until now. Kindly return my money immediately

Regards
Vebhav bhandari

Cognate health services pvt ltd

Not refund not answer

They have taken my 20000 rupees mannnn!!! Don't u understand this, this is bigger amount 20000 is not an small

Amount it consume something to me mann!!! Please u just give my money back and cancel my membership and please

Refund my money they have taken my money and not giving it back they are lieing to me seriously you are talking to me that i don't have a damn care about it

For a kind information i have to care about it i have achieve to my goals on my own and money on my own it can't go to waste

Mann try to understand me i am requesting you help me

Cognate health services employee not answer costumer care my phone block email locked

Not refund amount return policy 27300/

Cognate health services employee answer

27300/. Sabhi cognate health employee s

Ki liya kafan chahiya es liya 27300/

Refund nhi karinga md ka khna hi

Rohit shukla send this mail your company
Fraud nhi hi to kiya hi
20, 000/
Gyanendra upadhyay [protected]
Rohit fraud company fraud rohit no es down to no
Costume care no my phone block
Fast mill fraud company rohit

Hi sir/mam,

Thank you for showing interest in our preventive health product. Hope
To see a healthy relationship with you soon!!

Health check up:

Free health check up voucher for 71 routine tests. (Per head)

Dentistry:

Free dental check up voucher which includes cleaning and scaling.
100% concession on doctor consultation.
50% concessions on dental offerings like cleaning and dental x-rays.
50% off on dental treatments, like - root canal, filling, cosmetic
Treatment, denture etc.

Ophthalmology :

Free eye check up voucher.
50 % off on doctor consultation and examination.
50% off on eye treatments.

Other services:

Doctor and clinic services:

50 % off on all doctor consultations and
Examinations.

Hospitals benefits:

50% discount at hospitals

Diagnostic center benefits:-

50 % off on all pathology tests and 50% off on
Radiology tests.

Doctor my side service:-

Free 24 hours health line facility to speak to
Doctors for major or minor illness.

Pharmacy benefits:-

30% off on medicines

Tax benefits:-

5000/- php tax deduction under section 80d.

Vas services :-

Maternity benefits :

50 % off on doctor consultation and examination.
50% off on all pathology tests and 50% off on radiology tests.
30% off on medicines.

New born baby benefits:

50 % off on doctor consultation and examination.
50% off on all pathology tests and 50% off on radiology tests.
30% off on medicines.
50% off on vaccinations. (Up to 5 years of age).

Additional benefits :

No age limit and pre-existing diseases restrictions.
Same membership fees irrespective of age and / or medical condition.
No waiting period.
No hidden deductibles or hidden charges
No limitation on number of visits & services availed.
Tax saving benefit under section 80 (D)
Ivf treatment included

Note:

If you visit our em-paneled centers, you can avail instant discount
By presenting our health card there and for non-paneled centers you
Are required to share your bills with us and we will be processing the
Reimbursement with in 7-10 working days (Bills are to be sent within
Fifteen days after the doctor visit).

We provide 45 days for free look up which means, if you get the
Benefits word to word then you can continue other wise you can cancel
All the services on urgent basis and your whole amount will be
Refunded in your account with in 24 hours.

Registration number is 314439

Cognate health services private limited's corporate identification
Number is (Cin) u85320dl2017ptc314439

Thanks & regards,

Cognate health team.

Phone :- [protected] +91 [protected]

I bought a policy for the 4 members of my family at 12000/- for 2 years in April 2018. They promised to repay some part of every bills and even promised to get 50% discount on dental checkups and all the tests. But now when we have submitted our bills on 10th May 2019 and 24th May 2019, they are not willing to pay a single amount moreover their customer care is not willing to listen to our plea. They just reply in so unprofessional manner which is really pathetic. They are just looting the money of common man. I just need my reimbursement in time but they are not willing to pay it. Policy ID for my mother is [protected]. Please help to take action against this fraud company.

================================================================
I am attaching the below mail conversation for your reference:

From: Karanpreet Singh Bhatia
Date: Sat, May 18, 2019, 8:36 PM
Subject: Skin specialist appointment
To:

My son, Karanpreet Singh Bhatia, is also covered under this policy. His id no is [protected]
He is going to a skin specialist (Dr. AK Singh) tomorrow at SDM Multispeciality Diagnostic Centre, Tilak Nagar.
We are informing you this time 12 hour prior to appointment.
Thanks

On Thu, May 9, 2019, 1:16 PM wrote:
It's all our pleasure...

Thanks & Warm Regards,
Service Delivery Team

Cognate Health Services Pvt.Ltd

[protected] Original Message[protected]
Subject: Re: Re: Re: Re: Prescription and bill
From: "Karanpreet Singh Bhatia"
Date: 5/9/19 1:10 pm
To: [protected]@cognatehealthorganisation.com

Ok, thank you.

On Thu, May 9, 2019, 1:09 PM wrote:
Dear Member,

Greetings of the day,
As per your query it is to clarify you that there is a duration of 15-20 working days for the whole process of reimbursement.So it'll be done at its time if not delay in any process.
And as the process will completed we'll let you know.

Thanks & Warm Regards,
Service Delivery Team

Cognate Health Services Pvt.Ltd

[protected] Original Message[protected]
Subject: Re: Re: Re: Prescription and bill
From: "Karanpreet Singh Bhatia"
Date: 5/9/19 12:48 pm
To: [protected]@cognatehealthorganisation.com

Thanks got your message. So how much time would I wait for this reimbursement? And I will update that list too in one or two days.
Thanks
Mohinder Kaur

On Thu, May 9, 2019, 12:42 PM wrote:
Dear Member,

Greetings of the day,
This is to inform you that your account details has been received successfully and they are updated in our records.


Thanks & Warm Regards,
Service Delivery Team

Cognate Health Services Pvt.Ltd
================================================================
After getting our bank details they stopped replying to our phone calls on the customer care number and also on the mail.
Further I have sent mails to check with them but their response was so pathetic. I am attaching the below response here:

manpreet singh
Jul 3, 2019, 8:24 PM (1 day ago)
to service, Karanpreet

Before sending any email kindly cross check the senders and receivers address. Don't send this automatic reply if you are not willing to read the full subject and the mail.

Don't worry now IRDA will take this forward and I will make sure on the social media that your pathetic response get a kind attention.

Best of luck for the future.

Regards
Manpreet Singh

Regards

Manpreet Singh

On Wed, Jul 3, 2019 at 6:17 PM wrote:
Dear Member,

Greetings of the day,
We are hereby requesting you to send your requests or queries only on "[protected]@cognatehealthorganisation.com", will try our best to solve your every queries.

And please use "[protected]@cognatehealthorganisation.com" for sending new reimbursements requests only.

Thanks & Warm Regards,
Service Delivery Team

Cognate Health Services Pvt.Ltd

[protected] Original Message[protected]
Subject: Re: Re: Skin specialist appointment
From: "manpreet singh"
Date: 7/1/19 5:23 am
To: [protected]@cognatehealthorganisation.com
Cc: "Karanpreet Singh"

It's been 10 days. How long would it take to transfer the amount?

I am going to lodge a complaint against you guys. This is seriously unprofessional handling of customers.

Let IRDA will See the matter if you are not able to handle this.

Regards
Manpreet Singh

On Fri, Jun 21, 2019, 12:23 wrote:
Dear Member,

Greetings of the day,
We are sorry that you have not yet received payment of your bills.We recently found an error in our account and didn't able to send the payment until the error resolved.
As the problem resolved the reimbursement will transferred to you immediately.
We are assuring you that the circumstances that led to the oversight are unusual and it is unlikely that this will ever happen again.

Thanks & Warm Regards,
Service Delivery Team

Cognate Health Services Pvt.Ltd

[protected] Original Message[protected]
Subject: Re: Skin specialist appointment
From: "manpreet singh"
Date: 6/18/19 1:53 pm
To: [protected]@cognatehealthorganisation.com
Cc: "Karanpreet Singh"

Hi Team,

Is there any ETA for the release of the reimbursement? We have been told by the customer care that the release date was 10-11th June 2019 but till now we have not got any payment amount. This is so unprofessional from your side as we keep on waiting and waiting.

Please confirm the date when the reimbursement amount will be released.

Regards
Manpreet Singh

Cognate health service pvt ltd — refund/reimbursement issue

Hi

I have purchased "couple preventive health care plan" worth 7000/-. On 11th may 2019, i ahve submitted my medical bill at 20th may 19 for reimbursement but they didn't process yet.

I have called the cognate customer care for process my bill but they are denying many times. Their customer support services are very bad and not responding many times post purchased of their services hence i am not satisfied with their services, i wanted to cancel my plan and asked for refund, they are denying the same also, saying i have taken the plan under a promotion policy, so not eligible for any refund.

Please help to take legal action with this company and please call me on below no. For any further concern\clarification.

Regards
Chandan
Mobile - [protected]

Dear team,

I am writing this mail with very disappointing feedback & commitment.
I have enrolled for "couple preventive family health package" with the sum of 5000 rs. From "cognate health services private limited".
In these plan they had committed me for lots of benefit & plans, but you have failed always & they have fooled me.
It is my request to you that please help me in getting my work hard money.
Also everyone reading this complaint please don't purchase this policy ever.

Thanks
Regards
Madhuri aggarwal

I have taken one health policy from cognate health services pvt ltd in which they mentioned that i can claim all my medical bill with this policy. I have submitted around 3-4 medical bills to them but 5 months have passed but still payment is pending & every time they give a new excuse to me.
This the first company ever where the back end server was in break down for 3 months. I cannot understand how is this company dealing with customer. How they got approvals.
As per my experience they are doing fraud with customers & i want to file a legal case against same.

Shekhar - [protected]