[Resolved]  HDFC Bank — claim rejection

*fight against hdfc life insurance company* halla bol

Hi team,

I have hdfc life term insurance policy to cover my home loan where critical illness is covered. I had major heart attack with 100% blockage on right artery on 29th october 2018 so gone through angioplasty. So i have submitted my critical illness claim to hdfc life insurance company in the month of december 2018.

I refute hdfc life statement that i had diabetes at the time of issuing me a policy so they have rejected my critical illness claim which has no grounds at all. No one has conducted my any medical tests from hdfc life before issuing me a policy then how they can say i had diabetes. My two other insurance companies i. E. Aegon life and pnb metlife have taken all my tests before issuing me policy and now both have approved my critical illness claim within a month without any issue.

Now i am totally frustrated with this type of service from hdfc life, as i am a classic customer of hdfc bank from last 15 years and they are giving me such service. I am a corporate employee with more than 3 lacs of employees in our company, so that i can spread this on our social forum. Social media is too powerful so they may definitely loose their business and eventually people will loose faith on hdfc life. I am not able to concentrate my job due to this issue also i am getting mental harassment due to this. I have already shared this on facebook, twitter, linkedin, instagram and whattsapp.

Furthermore, i have already enclose a claim approval letters from aegon life and pnb metlife to hdfc life for reference.

Notwithstanding that i have already submitted all the required evidences, it has now been 4-5 months since i raised my claim. This delay is unreasonable and it appears that we have now reached a deadlock. I have done all that i can do advance my claim but they have failed to deal with it adequately. My claim is dully covered by the policy and if i do not hear from hdfc bank within a week time then i may refer the matter to the financial ombudsman service without any further warning.

I looking for compensation as well as my critical illness claim approval.

My humble request you to look into the matter and do needfully in this on priority.

Thank you for your anticipated cooperation in this matter.