[Resolved] HDFC Bank SALES h d f c sales — insurance fraud | |
if you have taken a loan from H D F C , and taken a insurance cover for the loan you may have done a mistake . You may have paid an exhorbitantly high premium while you have not got proper insurance coverage . If you have taken a POLICY from HDFC Standard Life Insurance , the probability is that you have paid too high premium . You could have got your LOAN COVER with one fourth the premium amount you have paid . Plus there is no gaurantee that you will get anything on maturity or survival . These are unit linked plans which may not even return the premium if there is no death . GAURANTEED RETURN is not there . If you read the policy document carefully then you will realise the loopholes . chances are that you have been tricked into paying the premium while the negatives have been hidden from you by the sales executive . Is there a solution ? Yes , specially if you have received the POLICY not more than the last 15 days . write a complaint at the following email ID qoute your policy number : [protected]@hdfcinsurance.com - s e r v i c e @ h d f c i n s u r a n c e . c o m . [protected]@hdfcinsurance.com - r e s p o n s e @ h d f c i n s u r a n c e . c o m . [protected]@hdfcinsurance.com - l i f e @ h d f c i n s u r a n c e . c o m . [protected]@irda.gov.in - c o m p l a i n t s @ i r d a . g o v . i n . [protected]@vsnl.net - i o m b k o l @ v s n l . n e t . [protected]@gmail.com - i n s c o u n @ g m a i l . c o m . Please ask them to cancel the policy and tell them that you wish to surrender . Tell them to refund the whole premium amount paid without any deductions . TELL them that you only want a Home Loan Protection Plan or HLPP . H L P P , is far less costly and is ideally suited to cover the LOAN . The premium calculator of HLPP is available on the website of H D F C LIMITED . the main page of the site www.hdfc.com . HLPP is an IDEAL plan which covers the whole tenure of the loan with one single premium . The PREMIUM needs to be paid just one time and covers all deaths . Below is provided an example of one time single premium HLPP . The premiums in your case may differ as per your age , loan amount and exact tenure of the loan . Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 3 Comments | |
HDFC SALES h d f c sales — fraud insurance agents
if you have taken a loan from H D F C , and taken a insurance cover for the loan you may have done a mistake .You may have paid an exhorbitantly high premium while you have not got proper insurance coverage .
If you have taken a HDFC ERGO - HSP , then you have paid a hefty premium for just 5 years while the coverage is only for accident and critical illness .
In other words if the death occurs for malaria or dengue no insurance money will be paid to the nominee . If the DEATH is caused by a sudden heart attack NO claims will be entertained .
The ergo H S P only pays if death occurs because of any of the 9 Critical Illness .
So , if the person does not suffer from cancer or RENAL failure , no claims would be paid .
If you read the policy document carefully then you will realise the loopholes .
chances are that you have been tricked into paying the premium while the negatives have been hidden from you by the sales executive .
Is there a solution ? Yes , specially if you have received the POLICY not more than the last 15 days .
write a complaint at the following email ID qoute your policy number :
[protected]@hdfcergo.com - c a r e @ h d f c e r g o . c o m .
[protected]@hdfcergo.com - c o r p c o m m @ h d f c e r g o . c o m .
[protected]@hdfcergo.com - g r i e v a n c e @ h d f c e r g o . c o m .
[protected]@hdfcergo.com - p r i n c i p a l g r i e v a n c e o f f i c e r .
[protected]@irda.gov.in - c o m p l a i n t s @ i r d a . g o v . i n .
[protected]@vsnl.net - i o m b k o l @ v s n l . n e t .
[protected]@gmail.com - i n s c o u n @ g m a i l . c o m .
Please ask them to cancel the policy and tell them that you wish to surrender .
Tell them to refund the whole premium amount paid without any deductions .
TELL them that you only want a Home Loan Protection Plan or HLPP .
H L P P , is far less costly and is ideally suited to cover the LOAN .
The premium calculator of HLPP is available on the website of H D F C LIMITED .
the main page of the site www.hdfc.com .
HLPP is an IDEAL plan which covers the whole tenure of the loan with one single premium .
The PREMIUM needs to be paid just one time and covers all deaths .