[Resolved]  HDFC Bank — Horrible Customer service

Address:

Chennai, Tamil Nadu

I am working in Gulf and I have been to India 2 months back for a 15 days emergency leave. My friends advised me to take Term insurance, since I am flying countries frequently. Based on their suggestion, I have applied for HDFC online term insurance and I have my 1st premium onlie & produced all required documents transparently to HDFC. I told them clearly that I will be available only for 15 days and if I need to undergo any medical, please arrange for it immediately. But the representative misguided me stating that Since my policy value is only 50 Lac, I am not required to undergo Medical test. Later after I left India, I got an email stating that I need to undergo medical test immediately. When I asked the HDFC representative why didnt you inform while I was in India and I have told your representative several times that I will leave india in 15 days time. But then they said that I have no other choice that until I undergo medical test, my risk will not be covered and I wont be issued Policy. Then I told them If my risk is not covered, kindly refund my 1st premium which is paid online. Since then, I have sent 15 to 20 e-mail to the customer care and spoken to the HDFC representative, still now I didnt received even a single penny from HDFC Life. I wonder If they couldnt refund a small amount of 6000 INR, how will they settle massive claims of 50 Lacs. HDFC life is totally cheating. Sales Representatives will motivate and give false information to generate sales and he will be benefited with commission, but we as a customer end up with complete frustration and our life doesnt have any values to them.