[Resolved]  Apollo Munich Health Insurance Company Limited — WRONG POLICY ISSUED BY THE COMPANY

Address:

Mumbai Suburban, Maharashtra

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