HDFC Bank Ergo General Insurance — misleading me regarding product and collect premium beforehand

rkumar1970

from Nashik, Maharashtra

Address:

403801

Reference my proposal to hdfc ergo lh[protected] on 25 nov 2017.
The company help-center misguided me saying that even though my age is 69, company will accept my heath insurance proposal on basis of medical check up. I paid rs 13090 premium on 25 nov. Then they sent me mail that my proposal is rejected due to pre disease history. This needed to have been told to me before. Company is non transparent and fraudulant as their only aim is to collect premium and keep with them for long time. I requested company for immediate refund but they have not refunded. Please fine the company if required and other action be also thaken as company misleads public with wrong motives.

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Comments

1953

from Bengaluru, Karnataka

Hi, There is no doubt that health insurers are issuing policies up to 99 years of age now days subject to medical report. In case of any existing disease/ailment found during medical check up insurer may issue policy with exclusion clause of pre existing one for 4 years from date of issue of policy or may reject your proposal if pre existing one is very serious/complicated. However you may insist insurer to provide copy of report. After rejection of proposal premium paid shall be refunded within 7/10 days deducting medical charges. You should have insisted for providing hard copy of terms & conditions of policy before proposal so that you would have correct decision to go for policy or not.