IRDA Complaints & Reviews

My self koushik dhar chowdhury residence at
Vill+po-pandapara kalibari
Near-check post, dist-jalpaiguri, pin-735132
West bengal.
I have a advisor licence in reliance nippon life ins.. But this licence is expired. But this licence is got stuck my new appointment. Pls give noc ic
From. I have apply 2000 rs noc resignation fees
In siliguri office. Receipt no-af[protected] on 26.10.18.
Pls send me noc by [protected]@gmail.com
Mob-[protected]

The following policiy No.C[protected] for Rs.30, 000/-, C[protected] for Rs.21000/-mC[protected] for Rs.1, 00, 000/-, C[protected] for Rs.22, 000/-, C[protected] for Rs.18, 000/-, C[protected] for Rs.35, 000/- and C[protected] for Rs.40, 000/- were purchased from TATA AIA Life. Now I am facing too much financial hardship for which I am not in a position to continue the above police. In this connection matter has already been taken up with Grievances Redressal Dept of TATA AIA, Thane, Mharashtra vide my application dated 09th Sept 2018 and several Email to stp ECS payment from my account. But TATA AIA has declined and put me pressure to continue the policy. Please look into the matter and requested to direct TATA AIA Life to STP ECS payment wef Feb 19 and onwards. Your kind co-operation is appreciated.

I would like to bring to your notice a very serious and unimaginable blunder in quoting premium for the group policy for retiree bank officers by united india insurance company to be issued to iba for all the member banks. This policy was started from 2015-16 and renewed from 2016, 2017 and 2017-18 premium was as under.
From this you will be able to understand the position and the methods being adopted by the insurance company for deciding the premium.

Sl. No. Year sum insured (Rs) premium amt. Premium amt.
With domiciliary without domiciliary
01 2015-16 4, 00, 000 7, 500 7500
02 2016-17 4, 00, 000 20, 010 16025
03 2017-18 4, 00, 000 36, 998 16443
(Super top up) 5, 00, 000 na 3, 806
2018-19 4, 00, 000 82, 273 28572
(Super top up) 5, 00, 000 na 5, 259

1. The insurance company had raised the premium every year as shown herein above:
2. The important factor is that as to how the premium can be revised every year and how the regulator is approving such an increase? Which norms will permit such a steep rise in the premium of one category of staff/ex-staff?
3. In the year 2017 the company took an excuse that the premium and claim ration is high for almost doubling the premium for the retiree officers.
4. Now in 2018 again they have mentioned the excuse of high ratio of premium and claim for quoting 123% rise in the premium for the retirees. Can there be claim more than the sum insured?
5. But have a look at what they are quoting:
A. For the policy of 4 lacks without domiciliary treatment the premium conveyed is rs. 28, 572.
B. With domiciliary treatment of 10% of sum assured within total sum insured of the policy of 4, 00, 000/-i. E. Rs. 40, 000/- the premium will go up to 82, 273 i. E. Increase by rs. 53, 701/- so if you do not opt for domiciliary treatment you are required to pay rs.28, 572 for 4, 00, 000/- if you take domiciliary than this 28, 572 will be charged for the sum assured of rs. 3, 60, 000 and you have to pay additional rs. 53, 701/- for allowing the domiciliary treatment of rs. 40, 000/-?
C. When company quoting the premium of 28, 572/- without domiciliary for 4 lacks how the premium will remain same for 3, 60, 000/-? The premium for 3, 60, 000 allowable for hospitalization will have to be reduced for rs. 40, 000 proportionately to rs. 25, 714.. The retiree is required to pay for domiciliary treatment of rs. 40, 000/- a separate additional premium of rs. 53, 701+2858 as mentioned earlier. How this aspect remained to be taken care?
D. Can anyone understand and explain how the premium of insurance can be more than the eligibility to claim insurance amount? Which rules and guidelines of the regulator irda permit this as claimed by the uiic in their communication? This type of quotation is unprecedented and unbelievable.
E. How the claim ratio can be made an excuse for quoting more than 100% premium amount against the insured amount?
F. If this way the increase in premium by the iba is to be considered the insurance company will double the premium next year and so on.
G. It is a serious breach of trust and definite case of the deliberately forcing the retirees by the company to ensure that all retirees are kept out of the policy.

6. Moreover, as mentioned above, when the amount of premium is separate for the amount to be considered for domiciliary treatment i. E. 10% or 40, 000 from the policy of 4, 00, 000/, - the amount of premium for remaining 90% amount i. E. Rs. 3, 60, 000/- cannot remain same. The company has done this excess charge in the year 2015, 2016, and 2017 also which has to be refunded with interest to the insured.
7. The same company is offering the policy to the serving employees at a much less premium. For the sum assured of rs. 4, 00, 000/- the policy covers the domiciliary treatment of the officer, spouse, children and parents of the employee. But the retirees are permitted the policy for self and spouse only. Why this discrimination?
8. Whether the parents of the serving employee remain young and are not old like the retired employee? If the serving employees are more than 40 years of age than in 99% cases the parents must be more than 60 years of age are they not old like retired employees?
9. If we just imagine that some employee takes a policy as serving employee at the age of 59 years and his parents are of the age of near to 80 years. He will get the policy, till he becomes 60 years, at a premium applicable to serving employees for self, spouse, parents and children also with domiciliary treatment and the premium will be paid by the bank. But look at his plight next year. When he retires before the renewal in october, the renewal will be for self and spouse only, premium has to be borne by the retired employee and the premium will jump to 82, 273. Don’t you agree it is surprising and astonishing?
Please take some immediate corrective step[s and the company may please cbe stopped from looting the bank retirees.
We are confident you will consider the matter as serious and will give justice to us. The employees who could not take the policy due this beyond reach increase in premium, please advise the company to permitting them also after making necessary corrections in the premium.

Thanks, r. C. Agarwal
A, retiree bank officer

Hii
I have renew car insurance policy copy from bharati axa general insurance.
At time renewal bharti axa officer tell me my car idv value 273000 at rs 12698 primium amount i have made payment online but policy copy is not receive.
After 8 days bharti axa officer send cover not but in cover not idv value of car is mention 213000 this type chiting is done by bharti axa with me

3 to 5 time complain in bharti axa but they are not responding

Name sandeep patil
Policy no s 8524577
Case no 01693201

Sir/mam, myself noopendra kumar i was agent in life insurance corporation of india from brach-dallirajhara (C. G.), my development officer say's my code 1796-38f is terminated due to zero business from last 1 year. And i don't want to work in lic but lic's officer from dallirajhara branch are not accept my noc request. My pan no. Are also looking in irda pan lookup site, i request that delete my lic code from this site as early as possible. Thanks my lic agent code-1796 38f & pan no. Is bikpk3907p

Respected sir,

My name is Lata pandey I have joined reliance life insurance company limited as an agent 2 years back. I haven't doing any business for that company. My license validity also expired. But my pan number looked up in irda portal.

Applicant name Lata pandey
Father name K c pandey
Date of birth[protected]
Urn aili[protected]
License no
Certificate no -
Type individual
Business information
Insurer name reliance life insurance company ltd
Agent id Amp22234257
Category life
Pan Card-BXLPP9088E
Kindly delete my pan number in irda portal. Thank you.

Regards,
LATA PANDEY
[protected]@GMAIL.COM
Mobile: +[protected]

My name is samsudeen. I joined sbi life as a corporate agent 2 years before. I have not done any business for that company. I am having a valid license for corporate agent, i am not interested to continue further. I request your cancel to remove the pan card number from the irda portal

Applicant name : samsudeen s

Fathers name : d m sadiq ali

Dob : 21/10/1981

Registration number: i-7121128c0000714

Urn irda number: cai[protected]

Training id : 5161554

Type : corporate agent

Basic informations :
Insurance name : sbi life
Agency code : nil
Category: life

Kindly delete my pan number in the irda portal

Thanking you

Yours faithfully
Samsudeen

Hello sir, i am Durgesh Kumar an insurance agent for Life insurance corporation of India company my code has been terminated because of no business i have done but still my agency code, agen details is appearing in irda pan look up portal
and now i want to join max life insurance to which i need to cancle my agent code licence from Life insurance corporation of India(LIC) to contine business in Max life insurance, so please delete my Details from irda portal. I want to delete irda licence no. From my pan card please remove Agency- Life insurance corporation of India(LIC) Pan no. DOOPK8263N Name- Durgesh Kumar, I also found my code has been terminated because of no business from Life insurance corporation of India(LIC) i had also given resignation to Life insurance corporation of India(LIC) Najafagrh brach Delhi on 5th October 2018 still no updates has been taken and still my urn no., licence no., agent id is appearing in IRDA pan look up portal so please delete and do the needful.
Regards,
[protected]@gmail.com

Respected sir,

My name is amar deep. I have joined icici prudential life insurance comas an agent 5 years back. I haven't doing any business for that company. My license validity also expired. But my pan number looked up in irda portal.

Applicant name - amar deep tiwari
Father name - k. K. Tiwari
Date of birth 01/10/1979
License no 2863056
Type individual
Business information
Icici prudential life insurance
Agent id 267661
Kindly delete my pan card no.

Today if you have mediclaim with insurance companies and if you hospitalised then for getting claim money you have to submit all medical reports including x rays to tpa to claim money. One has to give original reports to them and one is left with xerox copies only. Once the claim is settled all the original reports must be given back to the patient. Why do they require to keep with them? Irda must look into the matter and ask insurance companies to return original reports.

Dear sir,

I am irfan akhtat anshari from siwan bihar, i had resigned my job from met life insurance company in 11dec 2015 but my irda license was not cancelled so i am facing problem in present working company (Shriram life insurance pvt ltd) i have received show cause notice so please close my license from met life insurance company limited.

My license is reflecting in pan lookup and agent locator so please close my met life

License number:. Pnb metlife code is active[protected]
Pan no: bghpa3198r

Thanks & regards
Irfan akhtar anshari

Dear sir i am mahesh chand sharma meri bike chori ho gayi thi aaj se 15 mahine ho gaye or mene sare docoments jama kara diya hu leking aaj tak mere ko koi bhi jabab nahi de rhe he kafi problum me hu itne ka mera metro ka kiraya lag gya he plese sir help calm yes & no 100 no, pcr police fir bhi jama kara diya lekin fir bhi jo

Mob.[protected]
Mahesh chand sharma

Mdev. [protected]@gmail.com
Subject: request for noc against my code no 208205

Dear sir,
I, mr mahadev halder, am an advisor in bharti axa life insurnce co ltd at your kyd street branch from october 2017 to till date.
But now i have got a new job in direct payroll, so now i want to resign from my advisor work with immediate effect because i need to submit my noc in new job.
So sir i earnestly request to you please accept my mail as a resignation letter from my code & send me a noc against the said code 208205 as early as possible through this mail i'd, for that i can work in my new job without any hazards.

Sir more over i am sending the details of customers & aadhar card, pan through attachment.
Please do the needful as early as possible.

Thanks & regards,
Mahadev haldar
Mob=[protected]
Code=208205

Respected sir,

I Amit Tiwari have given the exam of LIFE INSURANCE CORPORATION OF INDIA agent in 2013. My agency code is 0181691T and the date of termination of my code is 01/04/2015. My pan card no. Is AIWPB3566G.
Now I am trying for STAR HEALTH INSURANCE, because of my name showing in IRDA I am getting trouble in getting the licence from STAR HEALTH.
So, I am requesting you to please remove my name from IRDA so I can work with STAR HEALTH. Hope you will accept my request and short out as soon as possible.
Applicant Information
Applicant Name SURJIT BERA
Father Name RABINDRANATH BERA
Date Of Birth 17 NOV 1980
URN ICII[protected]
License No 9630277
Certificate No -
Type Individual
Business Information
Insurer Name LIFE INSURANCE CORPORATION OF INDIA
Agent ID
Category Life

YOURS FAITHFULLY.

SURAJIT BERA

Respected sir,

My name is surajit bera. I have joined life insurance corporation of india as an agent 5 years back. I haven't done any business for that company. My license validity also expired on 01.04.2015. But my pan number looked up in irda portal.

Applicant name surjit bera
Father name rabindranath
Date of birth 17th nov 1980
Urn: lici[protected]
License no 0181691t
Certificate no - na
Type individual
Business information
Insurer name life insurance corporation of india
Category life

Kindly delete my pan number in irda portal. Thank you.

Regards,
Surajit bera
[protected]@yahoo.co.in
[protected]

Sir,
During my career with lic of india in different cadres, particularly in sales/marketing of insurance products, many customers inquired for dental insurance.
There are no adequate plans to cover dental treatments, in any of the insurance companies in india at present.
There is vast expansion of dental professionals including allied industries to meet the needs of increasing patients and still there is requirement of dental professionals.
At present the cost of treatment has raised to lakhs of rupees creating burden to the patients.
Hence my appeal to chairman and concerned officials of irda is to review the matter and suggest / guide the insurance companies to raise to the occassion by launching appropriate plans or revising the existing critical illness riders.
Your valuable suggestions and advises are more appreciated in this regard.
Thanking you and awaiting for your positive and earliest response

HELLO
This is Rashmi Singh. i was working with Edelweiss Tokio Life Insurance for last 2 years but now i have been selected in ICICI PRU Life Insurance.now i m leaving Edelweiss. i request you to please remove my PAN and deactivate my agency code i.e, A17999 from IRDAI so that i can join ICICI soon.i have recieved the NOC approval from Edelweiss but my PAN is still active on IRDAI. please deactivate my PAN.
Thank You

Bharti axa life insurance co. Has deduct amount of rs.12815/- from my savings bank account. (Bank of india. Vatva industrial branch) my account no:[protected]. Without my permission and knowlwdge. On date 10/07/2018. From the passbook copy i came to know about this matter. Such amount has been deducted through the bharti axa insurance co. I do not have such policy which regards the company has deduct the amount. I did not give any auto debit mandate authority to bharti axa life insurance co. Several time i have asked to the company to provide the proof or any other document that on which policy policy behalf they deduct the amount? But the company is not giving any sufficiant reply and every time asking for for more time to investigate the matter. For more than last 2 month i am still waiting for the proof or evidence from the company. But they are failed to solve the matter and adjust that amount on other person.
I want my money back to my account immidiatly.

Sir,

In India there are many ppl who will claim ppl to be there employees and get insurance of theirs and also many ppl getting other ppls mental health insurance but in reality they might be ppl like Moaists etc (Australian Schedule tribes living in india not letting ppl work ) collecting ppls id etc .

Pls make that only relatives can claim thru court. So that ppl cannot get money easily this way.

In Mehsana there had been cases of that sort.
PPl try and microchip ppl (for diagnosis purposes, project work, Research related etc) and make them mad and then eventually kill them as well. And ppl of these sorts make money by getting the health insurance.

Please note this.

I am rejaul haque molla. I was an agent under
Reliance life insurance in 2013. My code no was 21739526, licence no. 9614246 in diamond harbour branch. I was terminated in 2015. But still today my pan no is attached with the reliance life insurance. Sir it's my earnest request to you to remove my pan no. From irda website. My pan no is bgppm1030g. My mob. No -[protected], mail id - farook. [protected]@gamil.com.

Thanking you.