HDFC ERGO General Insurance Complaints & Reviews

Sir I had purchased online portal 4 wheeler insurance policy on 15th jan'23 in this company, at that time online verified my vehicle with vdo and images in every angles, they had not highlight any objection and gave me one year insurance and also third party cerificate, but now when I had send my vehicle for claim insurance because my car had damaged front burnet and wind screen, their agent mr Umang had came and verify my car at showroom and said that these damage are before taken policy no new damage so no approval, but my question is that if my car have any issue then why they had not highlight at the time of renew my policy, so sir please interfer in this matter and gave me justish

Sir I had purchased a four wheeler insurance policy from this company through online portal after online video and images verified, as per add photo but niw i had claim insurance benifit after accident my car, but this organization had not gave approval, they had told that it was not new, all r old, if my damages were old they how can gave pass policy withot any complain( in which I gad purchase that policy after expired my previous policy

I have been provided a fraud policy and the complaint has been made to manickpur and FIR is also lodged so need your help with this

Dear Sir/Madam

I am manoj kumar babele My HDFC ERGO advisor code is ADI89180811 and my PAN no is ARCPB8842L . i resign my advisor post so plz close my code as soon as possible.
Thanks

I request you to please remove my all hdfc code from PAN IRDA
Pan no. BBKPT8197H
Codes: HCG[protected], , , & ADI89213856

Kindly Help to Initiate for the Refund.
Policy number :[protected]
Client Name : SURANA ENSEMBLE PRIVATE LIMITED
Cheque Amount Collected RS 90698/-
Actual Premium as per the Policy Issued Rs 88677/-
Balance Rs 2021/- as to Refund.

Kindly Help to Initiate for the Refund.
WASTE COMPANY NO REPLY
Dilip V (Executive - Bancassurance)
to: "Ujwala.[protected]@hdfcergo.com"
cc: GMC & GPA Endt Rqsts,
RAJ
date: Jan 30, 2023, 1:19 PM
subject: Re: RE:'Service ID=[protected]' Fw: [EXT]refund amount
mailed-by: hdfcergo.com
signed-by: hdfcergo.com
security: Standard encryption (TLS) Learn more
: Important mainly because it was sent directly to you.
From: A & H Groupoperations
Sent: Friday, January 20, 2023 4:00 PM
To: Dilip V (Executive - Bancassurance) ; Ujwala.[protected]@hdfcergo.com
Cc: RAJ
Subject: RE:'Service ID=[protected]' Fw: [EXT]refund amount


Hi Ujawala,
Please process refund.

Thanks & Regards
Deepak Saxena
-----Original Message-----

From : Dilip V (Executive - Bancassurance)(Dilip.[protected]@hdfcergo.com);
Date : 20/01/2023 13:40:17
To: GMC & GPA Endt Rqsts(A&[protected]@hdfcergo.com);
CC: RAJ([protected]@rajdiamonds.com);
Subject :Fw: [EXT]refund amount

Most horrible medical insurance company, said it's cashless police and even after 48 hrs still pending 12 calls to customer care but no response

Really frustrated

I have had a pathetic experience with this Company.
My mother was admitted for the ailment called "Urinary Tract Infection" or UTI and is still being diagnosed for the same. The denial was based on the USG test report stating "Uterine fibroid and was managed surgically with hysterectomy" for which she was neither admitted nor is being currently diagnosed.

I think these guys are sitting there just to reject and deny claims by giving unfair reasons and then forcing the customer to run behind them, sending them documents in emails for reimbursements to which they do not even reply.

I sent the following mail on 3rd February 2023 to which I haven't received any reply as of now. They don't even have mere professionalism to answer queries of their customers.

Patient Name : Saroj Sharma

HDFC ERGO ID : [protected]
CCN No : RC-HS[protected]
Hospital Name : THE CALCUTTA MEDICAL RESEARCH INSTITUTE
Hospitalization Period : From 01/02/2023 to 10/02/2023
My Mother, Saroj Sharma was admitted to Calcutta Medical Research Institute on 1st Feb 2023 and I applied for a cashless claim which was denied on 2nd Feb 2023. She was admitted for an ailment called "Urinary Tract Infection" which is very common but even then the claim stands denied.
This denial from your end raises the following questions:-
1. My mother was admitted for the ailment called "Urinary Tract Infection" or UTI and is still being diagnosed for the same. The denial was based on the USG test report stating "Uterine fibroid and was managed surgically with hysterectomy" for which she was neither admitted nor is being currently diagnosed. Is it justifiable to deny the claim based on an uncertain future course of diagnosis which may or may not be availed?
2. If above is Yes, then point out the exact Section Nos. from the policy document where a policy claim can be denied for not the current diagnosis but for a future diagnosis.
3. Is it possible to apply for Reimbursement for the above claim and if yes then how to proceed for the same? At the very least for the period before the diagnosis for "Uterine fibroid and was managed surgically with hysterectomy" has not begun subject to if it ever begins.
4. Your website mentions claim settlement of 97% of claims and this is the 2nd time in the span of 10 months that my claim has been denied. So am I the person who always remains in the 3% of people whose claim gets rejected?

Regards
Rohit Sharma

I received an automated thank you message and NO RESPONSE

Then I sent the following mail on 08.02.2023 after getting no response from them
Hello
The mail said i will get a reply within 2 business days But I have not received any reply.

My claim was rejected for wrong reasons and now your team does not have mere professionalism to reply to Customer’s queries.

Is this the service your customers get?

Pathetic service

I have the discharge summary in which the diagnosis clearly says that my Mother was not treated for Uterine Fibroids but my claim was rejected for the same. The rejection is done on unfair grounds.

This is final reminder. If i do not get a Reply within Friday evening i.e. 10.02.2022 I will lodge a complaint in Consumer forum.
Regards,
Rohit Sharma

I got this response on same date

Dear Mr. Sharma,

Greetings from HDFC ERGO General Insurance.

We acknowledge your email dated 08-February-2023 regarding claim number: RC-HS[protected].

Kindly accept our sincere apologies, for the inconvenience caused to you.

We wish to inform you that we have forwarded your request to the designated team under interaction ID: 65159597. We will update you within 24 hours. Your patience is highly appreciated.
Thanks & Regards,
Deepak Aggarwal
Customer Experience Management Team

After this again NO RESPONSE in next 24 hours.

I like everyone else on this site has been cheated by this fraudulent company.
I never expected this from HDFC brand.

My Health Insurance claim rejected by the HDFC Ergo without any details provided for rejection.

I am following with the Customer care team and Greviance cell but No revert received.

Two month passed now. I am totaly frustrates now.

I did not expect this kind of service with HDFC Ergo. I paid all my premiums on time. Dont know when I need for claim then its rejected with no reason.

My claim number is RR-HS[protected]

सेवा मे,
श्रीमान एचडीएफ़सी एगरों इन्शुरेंस / मारुति सुज़ुकी एजन्सि
विषय – मेरे गाड़ी के इन्शुरेंस क्लैम मे लेट होने के कारण हुए परेशानी ।
श्रीमान,
मैंने बुधवार दिनांक 04/01/2023 को अपना गाड़ी मारुति स्विफ्ट बीआर31AM 8543 हाजीपुर के सर्विस सेंटर मे क्लैम हेतु दिया परंतु दिनांक 09/01/2023 अभी तक क्लैम सेट्टल्मेंट नही हुआ है । इतना लेट सर्विस आपलोग देते है, मोबाइल पर मैसेज आता है की 6 घंटे मे सर्वे हो जाएगा क्लैम करने वक्त और इन्शुरेंस लेने / कराने वक्त 1-2 दिन मे हो जाएगा ऐसा बोल के कस्टमर को गुमराह करते है । इतना खराब सिस्टम आपलोग बना के रखे है । कस्टमर क्या करे आपलोग के चुंगुल मे फस जाने के बाद । एजन्सि और इन्शुरेंस कंपनी मिल के यह स्कम आपलोग कस्टमर के साथ करते है । पहले बता देते इतना लेट होगा तो मै खुद से जाच देख के अलग से करता तो वो मेरी जीमेवारी रहती । परंतु आपलोग का काम रहता है कस्टमर को फसाना । किर्पा कर के मेरा क्लैम जल्दी से जल्दी सेट्टल्मेंट कर के मेरी गाड़ी को ठीक कर के देने की किर्पा करे । इसके लिए मै श्रीमान का सदा आभारी रहूँगा ।
NAME – RAMESHWAR KUMAR SINGH
MOBILE NO- [protected]
VECHILE NO – BR31AM8543
CLAIM NO – C[protected]

Requesting De link my pan card from from the organization .

Name :- Sweetesh Achrekar

Pan No:- BDLPA3182J

Insurer Type :- HDFC ERGO GENERAL INSURANCE

Agency Code :[protected]

DOA :- 1 april 2015

Dear sir,
Despite repeated complaints I am being subjected to daily spamming by HDFC Ergo to avail their Insurance Plans.
I am clear that this company is nothing but a cheap company which thrives on cheap actions.

Claim No: 30552239
HDFC ERGO MEDIASSIST

This is regarding corporate group policy.
This insurance company are denying me medical bill of my 1 year old son who suffered seizure and fever recently.
Bill amount is Rs. 18, 869.00/-.

Inspite of submitting all necessary documents, they are sending me reminders to submit bills again and again.

I have submitted Bill, Receipt, Bill breakup and Pathology results.

They recently sent me final reminder, if registering complaint here doesnt work, Then i will proceed matters legally against them.

Hi,

The HDFC bank have debited an amount of 874.27 from my account under the title of depository charges without any prior notice and nor was there any message or email sent after the debit of amount, and clearly i haven't used my demat account for any transactions, hence it makes no sense for the bank to debit the amount, requesting and looking forward for help from consumer forum.

I have applied for a claim refund on 03.10.2022 and have sent all the relevant documents to the health claims dept and have followed up multiple times. But, your claims team is least bothered to respond or process the claim even after 10 days.

Could you please do the needful? Below is the service ID and policy detailsService ID=[protected]' [EXT]HDFC ERGO Policy_[protected]_Health Checkup claim and interaction reference number 60532665.

1. My credit card is showing a charge: Offus EMI, From April 2022 statement onwards.

The charges are as follows:
17/04/2022
Description: OFFUS EMI, PROCNG FEE, xxxxxxxxxx0798 (Ref# 09999999980417004253925) 199.00

18/04/2022
Description: OFFUS EMI, PRIN NB:01, xxxxxxxxxx0798 (Ref# 09999999980418003551327) 5363.75

18/04/2022
Description: OFFUS EMI, INT NBR:01, xxxxxxxxxx0798 (Ref# 09999999980418003551335) 643.48

18/05/2022
Description: OFFUS EMI, PRIN NB:02, xxxxxxxxxx0798 (Ref# 09999999980518003654953) 5430.79

18/05/2022
Description: OFFUS EMI, INT NBR:02, xxxxxxxxxx0798 (Ref# 09999999980518003654961) 567.44

18/06/2022
Description: OFFUS EMI, PRIN NB:03, xxxxxxxxxx0798 (Ref# 09999999980618003557212) 5498.68

18/06/2022
Description: OFFUS EMI, INT NBR:03, xxxxxxxxxx0798 (Ref# 09999999980618003557220) 499.55

18/07/2022
Description: OFFUS EMI, INT NBR:04, xxxxxxxxxx6456 (Ref# 09999999980718003454459) 430.82

18/07/2022
Description: OFFUS EMI, PRIN NB:04, xxxxxxxxxx6456 (Ref# 09999999980718003454442) 5567.41

18/08/2022
Description: OFFUS EMI, INT NBR:05, xxxxxxxxxx6456 (Ref# 09999999980818003558315) 361.23

18/08/2022
Description: OFFUS EMI, PRIN NB:05, xxxxxxxxxx6456 (Ref# 09999999980818003558307) 5637

HDFC Ergo -is fraud company ?

Email sent to HDFC ergo on 23rd June
———————&ac...⇄
Dear HDFC ERGO Team,

It is very disappointing to experience such an unprofessional response from a reputed organisation like HDFC.

I am having my health insurance and car insurance policies with HDFC ergo also we share our company’s current account and salary account banking relation with HDFC Bank . Below are the cases and reasons for my dissatisfaction.

1) Health insurance - My health insurance policy no[protected] is with HDFC ergo from past few years and it is renewed every year. I was very surprised, when I came to know few days back that my policy for the current year has not been renewed despite of the fact that payment of Rs 24306 against renewal was debited from my HDFC saving account on 21.06.21 and got CREDited in your account. This transaction has been verified from the bank, transaction details for your reference HDFC ERGO HEALTH- HI[protected] dated 21st June 2021 Rs 24306. Until 24th June 2022 you were unable to renew my health insurance policy. CONTACT CUSTOMER care politely refused to entertain upon CONTACTing for hospitalization cash less facility for the insured CUSTOMER- Shani Fatema’s elbow injury, CUSTOMER care team informed us, your insurance policy status is in expired condition .Such an unethical approach is absolutely not acceptable. I expect a proper justification from your side on this and a refund of 100% amount immediately along with inconvenience / intentional negligence compensation of Rs 15 Lacs ( sum insured value) and indirect financial loss due to mental harassment.

2) Car insurance - Unfortunately, my zero depreciation car insurance since last couple of years is again with HDFC ERGO (policy number:[protected], but fortunately insurance is in active state. I have raised a claim ( Claim reference number -C[protected] against the under body damages happened few days back due to a road mishap. All possible explanation is already submitted in your form along with car service history and necessary documents. But, this time again you have displayed a very rude behaviour by rejecting the claim without any convincing reason. My car is in Pune based Volkswagen company authorized workshop from past one week and I am suffering because of your poor standards of work. I request you again to look into the matter closely and support.

Your company executives are following up with me to buy a term plan. How can I continue my association with your organisation with such an experience.

I hope a company of your stature will respond quickly without making it further complicated.

———————&ac...⇄

Reply : HDFC ergo on 24th

Dear Sir,

Accept my apology for below issues, Please find attached health policy copy. I will get back to you on motor claim status.

Regards,
NB
AVP - Bancassurance
HDFC ERGO
———————&ac...⇄

———————&ac...⇄
Email to Ritesh kumar ( CEO)

Dear Ritesh Sir,

Good Morning..!!!

I hope you must have gone through my previous emails with reason of disappointment ### to my health insurance policy & motor policy.
I[censored]nresolved within 3 days, shall report such kind o[censored]nethical business practice to IRDA with all valid proofs and necessary documents and file a legal case against HDFC ergo.

1. HEALTH INSURANCE : Apology is not at all acceptable to me. and for your information the matter was brought into HDFC team's notice 375 days ago and during the medical emergency HDFC Ergo CUSTOMER care and team at various level had refused to support ( which is the insured person's right as a policy holder) by stating your policy has expired and HDFC ergo is not liable to entertain any cashless hospitalization . Unprofessional and rude approach has caused mental stress, harrasemment, direct financial loss and indirect financial loss .

Case 1 : If I do not make the payment to renew my policy and after 375 days any medical emergency arises, in this case will you give the claim and cashless facility if I say Sorry / Apologies I couldn't pay my premium for last year and this year please consider my deep regret and provide me cashless facility . Will you provide me the cashless facilities??

Case 2:wherein I had made the premium payment in advance and HDFC ergo intentionally and unethically refused to support the hospitalization cashless facility. How can I accept your apology?? Not acceptable

2. MOTOR INSURANCE : Thankyou again for displaying rude denial mode. I am really not satisfied with your justification for the claim rejection.

Again, I am requesting you to get the issue resolved in an ethical way.

Expecting direct reply from your side .

——————
Several reminders sent 😡.

———————

On Mon, Jul 4, 2022 at 11:35
Dear Mr. Nooman,

Greetings from HDFC ERGO General Insurance.

With reference to your email dated 28th June 2022, please find the pointwise responses to each of the point as mentioned below for your reference.

1. We have noted your feedback and deeply regret the inconvenience caused to you in this regard. As the matter was brought to our notice, the same was carefully reviewed internally and the health policy was renewed with due continuity to avoid having any negative impact on the earned policy benefits.

2. We have re-verified the claim request registered vide claim reference ID:C[protected] and taking due cognizance of the information available, please be apprised that the actual damages do not commensurate with the cause of loss and hence, the claim is not admissible. We therefore stand by our decision for repudiation of the claim as communicated earlier as is. The detailed copy of the claim closure letter is enclosed as part of this email for your reference.

—————

Dear Mr. Nooman,

Greetings from HDFC ERGO General Insurance.

With reference to your email dated 16th July 2022, we would like to state that we have evaluated the case with due diligence and we are constrained to reiterate that the outcome of our review is consistent with our earlier observation / decision taken into the case.

We regret that we are unable to reconsider your request, hence our decision as communicated to you earlier stands unchanged.

Incase you are not satisfied with our response, you may approach the Office of Insurance Ombudsman who is empowered to consider complaints relating to insurance policies purchased in individual capacity.

As per your address recorded with us, the name and address of nearest Ombudsman office with it's jurisdiction is mentioned below

PUNE - Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor,
C.T.S. No.s. 195 to 198,
N.C. Kelkar Road, Narayan Peth,
Pune – 411 030.
Tel.:[protected]
Email: bimalokpal.[protected]@cioins.co.in
Jurisdiction of Office: Gujarat
——————
Email from hdfc ergo on 20th July 2022

Dear Mr. Nooman,

With reference to your post on social media dated 20th July 2022, we would like to state that we have evaluated the case with due diligence and our stand remains unchanged as conveyed in our email dated 18th July 2022.

Incase you are not satisfied with our response, you may approach the Office of Insurance Ombudsman who is empowered to consider complaints relating to insurance policies purchased in individual capacity.

As per your address recorded with us, the name and address of nearest Ombudsman office with it's jurisdiction is mentioned below

PUNE - Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor,
C.T.S. No.s. 195 to 198,
N.C. Kelkar Road, Narayan Peth,
Pune – 411 030.
Tel.:[protected]
Email: bimalokpal.[protected]@cioins.co.in
Jurisdiction of Office: Gujarat, Dadra & Nagar Haveli, Daman and Diu.
——————
My reply :

HDFC ERGO General Insurance Company Limited I have shared your today’s revert . Wherein hdfc ergo has mentioned that
whatever you have done related to my health policy and non-issuance of policy even after 365 days of making the payment is ok to you for not allowing the insured person for the health insurance cashless facility by simply stating your policy has expired almost a year ago ???????

What rubbish ?

I have read all your policy terms and condition no where it’s mentioned that even after making the renewal payment health insurance policy holder will be disallowed to avail cashless facility .

Is it part of your policy hidden terms and condition to not renew the health insurance policy ?
——————
——————-
After several reminders at various level ( manager to ceo ) from my side to give the proper justification I haven’t got any positive response.
Just imagine, I took the insurance on good faith and during covid peak period if any medical emergency would have happened to insured person, had to go through all these nonsense . Is it practically possible for a common insured citizen to fight with general insurance goons during the need of medical emergency if they refuse to give support by fraudulent activity..simply saying your policy is not valid .

Strict action must be taken against HDFC ergo so that no other policy holder suffers due to their unethical business practices.

HDFC must compensate me for the mental stress, harassment, direct and indirect financial losses .

Hi Sir,
I have a complain against HDFC ERGO General Insurance my two wheeler bike got accident on[protected] and i have delivered the bike in Honda showroom to repaired and showroom already done procedure for insurance claim on[protected] where till now HDFC ERGO has not given the approval for repairing the accidental bike. continually doing follow-up with surveyor Mrs. Dipanwita Paul Sarkar from HDFC ERGO claim no. is C[protected]. when ever asking only getting the reply sir approval not yet received from HO. where i have already asked that Ma'am its 02 month which is enough and bike insurance was done on[protected] while purchased bike from Honda Showroom Velocity Honda. and already asked what problem i am facing without bike daily Rs.600 now i am giving to Rapido has my office is 25Km away from my house. but they are not listing always asking sir please give us the time 3 days after 03 days again same things happen please wait for 02 days. for this i am regularly reaching office late.

Worst service I ever seen in my life, we already given intimation n start procedures of claim. From last ३ days still no approval given by hdfc only query generting froast 3 days, my mom meet an accident and thigh bone breaks is it her problm. Still this hdfc people not ready to give accident approval to hospital worst hopeless service

I am just fed up of this unnecessary calls from HDFC Ergo General insurance.
Please instruct them to Do Not Disturb me again and again.

They called me 7 time everyday.

Please help me out