[Resolved]  HDFC Bank Ergo — Claim Policy refund

Address:

Delhi

Hello,
I took HDFC credit card in Oct 2011, based on the same card they offered my HDFC Ergo Health policy. total premium cost was Rs. 4977. I look that policy because they said, this policy also provided Ayureveda, Unani and Homeopathy treatment as well and claims till Rs 20,000. In the first week of feb 2012 I went for a homeopathy treatment which costed to me Rs 8500 and then asked to HDFC for claim. First they request to submit all the documents which I did on the same day and posted to all required documents. and then after a week time started following for the claim. for first two weeks they said we are working on your request. then there wasn't any proper update on my request, I escalated to Sr. Department, they replied with for any treatment you need to be hospitalization. I told them Homeopathy clinics doesn't admit their patients but they wasn't ready to accept the truth. Now,I got it there are not going to approve me claim amount.. all this was just nothing they just made fool of my.

Now I decided to cancellation of policy and asked for full refund in-case they don't provide me the claim as I never used that policy for any other claim. They approved my claim but returned me the balance amount (April-Oct 2012) only which was half of premium I paid.

I called then they said you will get half amount after two months. I waited assuming it might be there policy.

On Aug 9th I received a msg from HDFC " We are in the receipt of your request for cancellation of your policy reference number 50934352. Our executive will contact you within 72 hours."

but there wasn't any call or further information but I called myself @ ERGO customer care. then they said we don't make comments like this. we have already dome your full n final and nothing left to pay you back.


Now I am here to take your help to get my money back, I request to your either please provide me full claim other wise my paid premium amount.


Policy cost was Rs. 4977
They refunded me: Rs 2284

looking for either claim amount Rs 8500 or balanced policy amount Rs: 2693.

Policy number : 50934352

reference number HN[protected]


Thanks in advance for all your valuable help and support

Arinjay Jain
[protected]