HDFC Bank Ergo General Insurance — Cancellation of health insurance policy and refund my money

Hi, myself Himadri Sekhar Haldar. I am a HDFC credit card holder person. Last year on September/2015, I got a call from Sudipa, a customer care executive from HDFC credit card department. She told me about various offers available on my newly HDFC credit card. Also she told me that there was a free health insurance worth Rs. 5, 00, 000 with validity of 2 yrs. But initially I had to pay the premium i.e. Rs. 10, 959 in 24 months EMI @ Rs. 525. At the end of 24 months I will get the full premium amount i.e. Rs. 10, 959 which I later found out nothing but a tricky marketing policy.

So, on 28/Jan/2016 when I decided to terminate the policy, a customer care executive viz. Radha from credit card department suggested me that it would be better if I cancelled it via HDFC credit card department instead of HDFC ERGO General Insurance company limited. The reason behind it I would suppose to get refunded around Rs. 8, 000 - 9, 000 rather than around Rs. 5, 000-6, 000. But it will take 60 to 90 working days to get refunded .So, I choose to cancelled that policy by HDFC credit card department for which she gave me a cancellation no. i.e. CAN00088211 on 28/Jan/2016.

Now when I tried to contact that person (Radha) over telephone[protected], either she was unavailable or if she available she told me that it will take some more time. I don't know how long will it take to get my refund. So, I lost my faith in them and written a cancellation request again over e-mail ([protected]@hdfcergo.com) on dt. 13/June/2016 regarding cancellation of HDFC ERGO Health Suraksha Policy (Policy No.[protected]. In reply of my email, they informed me that they made a note of my cancellation request and I will get a call from them within 3 working days and it will take 15 working days to get refunded.

But, since now neither I got my refund money from HDFC credit card department, nor got a call from HDFC ERGO General Insurance Company Ltd. Instead of that they charged me every month Rs. 525 on my HDFC credit card bill.

My HDFC ERGO Health Suraksha Policy No. is[protected]

So, I please need you to look this matter seriously and cancel my policy and refund my money as early as possible.

Regards,
Himadri Sekhar Haldar
Mob:- 91-[protected]
e-mail id: - sekhar.[protected]@gmail.com