| Address: KAJIPARA; NAGERBAZAR; KOLKATA-700028, North 24 Parganas, West Bengal |
Dear Sir/ Madam,
This is to bring your kind attention that I, Prasanta Choudhury, son of Mrs. Latika ChoudhurI, having HDFC ERGO Policy reference no.-HN[protected], registered a cashless claim on 26th June 2013 with HDFC ERGO Policy ID ER[protected]-02M, CCN NO. RC-HS[protected] and Reimbursement claim on 29th June 2013 as my mother, Latika Choudhuri, when she was admitted to Belle Vue Nursing Home, Kolkata on 24th June 2013 with difficulty in breathing & chest pain. After receiving the sms alert from HDFC ERGO that my claim is being rejected, I called to your customer care ([protected]) and came to know that the reason for rejection under the mental disorder ground and relevant clause is section-6, clause-e & point no.- vii) which states (as per the policy paper I have received with welcome kit) the following:
Section-6: Exclusion
Clause-e: "We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any off the following unless expressly stated to the contrary in this policy":
Point no.- vii): "Psychiatric, mental disorders (including mental health treatments and, sleep-apnoea), Parkinson and Alzheimer's disease, general debility or exhaustion ("run-down condition"); external congenital disease, defects or anomalies, genetic disorder; stem cell implantation or surgery, or growth hormone therapy."
As I have discussed with the doctor (Dr. Mandal: [protected]) of Belle Vue Nursing Home who treated my mother in Belle Vue Nursing Home, Kolkata , he explained me that she is diagnosed as ' SEVERE OBSTRUCTIVE SLEEP APNOEA' which cause to breath problem, not 'MENTAL DISORDER SLEEP APNOEA. He also explained that due to deposition of fat in and around of her neck, my mother is suffering with deficiency of oxygen during inhaling at the time of sleep at night and use to feel drowsiness during day time. Moreover she is mentally perfectly fit.
Inspite of submitting the document proof of the same (submitting all test report) to HDFC Claim department and inspite of several telephonic and email communication, every time they rejected my claim with referring above mentioned clause. I strongly feel this is the case of cheating & fraudulent.
I sincerely request you to kindly look into the matter and suggest me what should I do get my reimbursement of my ethical claim.
I shall also request you to take strong punishable action against HDFC ERGO, so that they do not repeat this short of incident with any other policy holder.
I’m also attaching scan copy of all medical report of my mother which shall prove sanctity of my above statement.
Looking forward for your valuable reply.
Thanks & regards,
Prasanta Choudhury
Mobile: [protected]/ [protected]
HDFC ERGO Plocy Ref. No.- HN[protected]
Aug 14, 2020
Complaint marked as Resolved 
![South Indian Bank [SIB]](/thumb.php?bname=1&src=south-indian-bank-sib.jpg&wmax=182&hmax=300&quality=90&nocrop=1)
Manager Credit Card Service
Ambal House
610, Anna Sarai,
Chennai-600006
Dear Sir,
As informed by Customer Care while inquiring the transactions on 7th, 8th, and 19th the Transactions at IRCTC were not done by me, and immediately I have asked to block my gold card no.[protected].
I had sent A dispute letter on the subject on 18.02.09, (scan copy enclosed)
Against the above disputed transactions I had received a stement askingme to pay Rs.18752.80 for the period 6th Jan to 05 th Feb'09 and subsequently another statement for the period 6th Feb to 05 th mar'09 for an amount of Rs.20531.00
Once again I request you to please give your kind attention to my dispute letter and waive off principal amount Rs. 18752.00 and subsequent charges which total amounts to 20531.00
At present I am used of your Platinum card No.[protected] with the confidence that the above charges will be waived off and in future there will be some arrangement to avoid this kind of misuse of my credit card.
Looking forward with good relations with HSBC
M.M.Rahman
Mob-[protected]