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[Resolved]  Bajaj Allianz — TRAVEL HEALTH INSURANCE - FRAUD/CHEATING

I am a retired Defence Offcial and a senior citizen. At present, I am on vacation in USA. I had availed the Travel Health Insurance Policy from M/s Bajaj Allianz General Insurance Company Ltd., Pune vide Policy No OG[protected]-00012180 valid from 03-Dec-2009 to 31-May-2010 (name of the policy = Travel_Assist_Classic). I reached USA on 4-Dec-2009 along with my wife for whom also I had taken the policy from the above Insurance Company.

During 2nd week of Feb, I had certain serious health problems because of the extreme winter here viz., palpitation, dizziness, numbness in both the hands and shoulders. I was immediately taken to one of the hospitals in Clifton at New Jersey on an emergency condition as per the referral of the Alliance Partner of Bajaj Allianz in USA on 09th Feb 2010. After examining me, the Hospital prescribed two immediate tests viz., CAT scan of the brain and EKG (ECG) to arrive at a final diagnosis of the problems and also to ascertain whether any stroke threats exists or not. I was kept on temporary medication and the Hospital sent the message to Alliance Partner of the above Insurance Company to approve the above two tests on emergent basis. The Hospital had also stated that the symtoms do not pertain to any "pre-existing illness" and has to be evaluated after seeing the results of the above tests under emergency condition. They in turn referred the matter to Bajaj Allianz in India for approval. The total cost for these two tests works out to be USD 1275 (Cat scan USD 1200 + EKG USD 75)

But Bajaj Allianz did not give any cognisance to the report given by the Hospital and stated that they cannot approve these tests until they receive a final diagnosis???. They further stated that they can approve only USD 300 treating the above symptoms pertaining to "pre-existing illness" as against the medical opinion of the Hospital. Whereas, as per the terms of above policy, I am eligible for USD 50,000 (deductable USD 100) for medical expenses. In the meantime, their Alliance Partner in USA referred me to the same Hospital for EKG which was done on 2nd March. In the absence of the CAT scan report, the Hospital is not in a position to arrive at a final diagnosis of my present health problems, whereas BAJAJ ALLIANZ remains adamant NOT to approve the same stating that they want the final diagnosis/medical report which is only possible after completing the above test. as if they do not believe the medical opinion given by the Hospital where they had referred me for treatment, what a paradoxical and controversial situation?

Though I have been constantly corresponding with BAJAJ ALLIANZ, Pune for getting the above CAT scan approved, while I continue with the temporary medication for the problems mentioned, the above INSURANCE COMPANY is still delaying the matter on some or the other pretext like "final diagnosis" "pre-existing illness" "final medical reports" etc., They are really cheating me. I must state here that people who are intending to avail travel insurance from BAJAJ ALLIANZ must be CAREFUL, as once the policy premium amount is paid, they would not bother about our health problems especially when we are out of India.

I therefore submit this pathetic and unfortunate situation what I am presently facing in USA (especially being a senior citizen) before the Indian Consumer Forum for necessary intervention in the matter and getting necessary medical coverage/treatment from BAJAJ ALLIANZ on an emergent basis, as my present health continues to be as it was. My e-mail id is [protected]@GMAIL.COM. Address in USA : No 50 VAN RIPER AVENUE, RUTHERFORD, NEW JERSEY-07070, Phone No.[protected]
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Complaint marked as Resolved Aug 14, 2020
Complaint comments  16 Comments     Updated: ShareTweet

Comments

We have received your complaint, will get in touch with you shortly.
Dear Sir,

Our customer service resprentative spoke to your son Mr. Anil and informed him all the details. We tried to get in touch with you also but there was no response.

Please feel free to contact us for any issue.
Worst services from bajaj allianz insurance. hopeless persons working in that premises.
Bajaj Allianz is a "Cheating Company" when they have to address a claim.Even in small claims they do that !!!.I had a recent experience( OG[protected]-[protected]in my travel to USA.The airline cancelled the flight and our whole travel plan was in turmoil with lots of financial loss in connected travel and arranged programmes in USA.But even a claim of 120 dollars for the insurance policy I had, which was legitimate and with letter from Airlines and all demanded documents as per their legal terms; were ignored and I received a badly worded "repudiation letter".If the same issue happens in any other country I am sure that the claim will be honored well.In India the foreign collaborated company and the Indian collaborator treat the clients in uncultured and very primitive manner.The Bajaj Allianz travel insurance is a BIG Waste.It also adds torture to your claim incidents.Better go for some Govt or purely foreign Insurance companies when you travel.When locals cheat for a foreigner company that adds pain.


Policy Type: BAJAJ ALLIANZ Travel Insurance denial of legitimate claim quoting flimsy reasons
Dr FX
[protected]@jananeethi.org
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I was also chewted by this travel insurance so do not buy any Bajaj ALLIANZ instrument/ police
Thank for the review. I was just going to buy it !
Most insurance companies are cheats ! Did not expect bajaj to be like this!!

-Vipul
Thanks for the review. I was about to buy it.
But I dont know what other travel insurance companies are better.
I am happy that I found your post while searching for informative posts. It is really informative and quality of the content is extraordinary.
Thanks
online medical consultation

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Claim No OC[protected]-00000468 Policy no OG[protected]-00000946
Please help to settle the claim asap
Claim No OC[protected]-00000468 Policy no OG[protected]-00000946
Please help to settle the claim asap
Sorry to hear that this insurance company continues to cheat their customers at will.

This is pretty much what we had to go through in case of my mother's visit to Canada. Has anybody gone to the consumer court regarding this matter? Wanted some information about the same. Any help would be highly appreciated.
Bajaj Allianz Customer Care's response, Mar 3, 2017
Verified Support

Hi Sandesh,

We'd like to discuss your issue further. Please share your contact & policy no. at [email protected] so that our concerned team can get in touch with you soon.

We've registered your case under the Reference no.: BA - 1129. Please mention the same in the subject line of the email while sending in the details.

Regards,
Bajaj Allianz General Insurance
Thanks for the review... it was very helpful. I will stay away from this insurance
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I wish I would have seen this long time ago. This is real fraud by Bajaj Allianz. My in-laws used Bajaj Allianz for all trips to US until they had to claim first time in April 2017 for a sudden chest pain while visiting US and the communications just circling back and forth asking for same documents such as receipts and invoices and medical documents while all documents were submitted in originals since a year now. The same were submitted again and again via e-mail. Then we learned the case was closed without any resolution and now we asked to re-open it. Now that we don't have any hope this time I am serious requesting every for resolution. Ask all your friends and colleagues to stay away from this fraud. Soon I will be looking for all options to escalate this as high as I can. Claim # OC[protected]-00000075.
Bajaj Allianz Customer Care's response, Mar 14, 2018
Verified Support

Hi,

We're keen to assist you. Request you to send in your contact number via email at [email protected] so that we can assist you with your concern.

Also, we've registered your complaint with the Reference No.: BA - 1344, please keep a note of the same for further procedure. Request you to mention this number in the subject line of the email while sending in your details. Thank you.

Regards,
Bajaj Allianz General Insurance
Bajaj Allianz are just not cheater ..they are robbers who just take your money .
Stay away from this company, they should get their licence snatched.
A complete fraud company .they will try all hooks n crooks to not to approve your claim.
They play with people.
Hi, I am Ashish
Bajaj Allianz is a cheater company.My mom took the insurance (OC[protected]-[protected] ***********// OG[protected]-00051835 from them when my parents claim some bills they asked the document s and my parents supplied all the required docs. Still they not settled the claim for last 1.5 years.they did the part of the claim and pay very small amount of some bills and refused to give the remain claim amount.we are getting the legal advise and take them to the court. Because they did twice to my parents.
Even 5 years ago my parents( both aged) came to see me in Australia and they had the Insurance from Bajaj Allianz (OG[protected]-00015109 / OG[protected]-00015108 and the employee of the company lost the paper or took the money from the claim. Still my parents waiting for the claim amount.

DONT BUY POLICY FROM BAJAJ ALLIANZ THEY ARE CHEATER AND DOING FRAUD. STAY AWAY FROM THEM. See you soon in a court.
Hi, I am Ashish
Bajaj Allianz is a cheater company.My mom took the insurance (OC[protected]-[protected] ***********// OG[protected]-00051835 from them when my parents claim some bills they asked the document s and my parents supplied all the required docs. Still they not settled the claim for last 1.5 years.they did the part of the claim and pay very small amount of some bills and refused to give the remain claim amount.we are getting the legal advise and take them to the court. Because they did twice to my parents.
Even 5 years ago my parents( both aged) came to see me in Australia and they had the Insurance from Bajaj Allianz (OG[protected]-00015109 / OG[protected]-00015108 and the employee of the company lost the paper or took the money from the claim. Still my parents waiting for the claim amount.

DONT BUY POLICY FROM BAJAJ ALLIANZ THEY ARE CHEATER AND DOING FRAUD. STAY AWAY FROM THEM. See you soon in a court.
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