[Resolved]  Tata AIG General Insurance - Product : Travel Insurance — TATA AIG is FRAUD !! Do not purchase their insurance !!Full money debited from my Account but no policy given and now no money refunded

Address:

Mumbai Suburban, Maharashtra

Hi,

I tried to Purchase Travel insurance for overseas travel for my Father-in-law, Online as we needed the policy document urgently to file the Visa.
TATA-AIG claims that when you purchase a policy online, you get it delivered immediately as online document.

I filled the online form for their Silver Policy on overseas travel insurance. On payment page i chose net banking and HDFC bank for net banking. I made the payment via net-banking and on Confirm payment button, I got the error as " Error on TATA-AIG server, please contact TATA-AIG system administrator"

When i check my account the Money was fully debited. I did not receive any confirmation email nor i receive any policy. I tried calling their customer service for 1000 times on same day and all the time it was engage and i could not connect. When i called in very late night after 12 in the night, i could connect. I told agent my problem and he asked me passport number of applicant, I gave the same and he confirmed there is no policy found in their system. He lodged a complaint and gave me complaint number. I have this conversation recorded in my phone. he said someone will call in 2 days and nobody called.

Meanwhile i also sent email to customer care with all screenshots and they just kept on saying we are working on it.
Later, after 6 days, i got email with policy document. I could clearly see they purposely generated the policy and sent me after 6 days. Even the day on which they generated the policy was not the day on which i purchased it online which can be verified from the money debit record of net-banking.
I refused to accept the policy which they give after 6 days when they claim to give it immediately when you buy online and as it was urgent for us to file visa, we had bough another policy same day on which i tried to buy TATA AIG online and submitted the visa application. I said i want refund as giving policy 6 days later does not fulfill my need. Then Customer care replied to my email giving a form to fill for the refund.

I filled the form. Since then i am following up on my refund, but no response from them. They said you will get refund in 7-10 days and its more than a month now since this issue started.

So to me, TATA-AIG is a fraud company for insurance. I thank god that i did not got their insurance as god forbit but if my Father would have travelled and something would have went wrong, i am sure they would have never settled the claim.

I want Forum moderator to help me on this or guide me how to punish such people. I wont mind spending thousands to file a lawsuit again TATA-AIG.and i am willing to take the Legal action against them. I have enough evidences including phone recordings, emails and the net-banking money debit.

I have attached the things to this complaint too.

Thanks & Regards
Suchita



Later nothing happened.