Irda — grievance[protected] regarding your pmo complaint bearing no. darpg/e/2017/17979

Address:	411038
Website:	Religarehealthinsurance.com

Hello irda,

My grievance application no is:
[protected]

As per religare health insurance, irda has approved and allowed them to upgrade the care plan to care2.

Please confirm if above statement is correct?

They also state that "company may revise the renewal premium payable under the policy provided that revisions to the renewal premium are in accordance with the authority’s (Irdai) rules and regulations as applicable from time to time
"

Please confirm above statement is correct?

I clearly and already have understood that care is upgraded to care2 same and same thing religare is trying to project here.

My clear question is that whether irda also allowed religare health insurance to apply upgraded "care2 plan to all existing customers who had chosen"care" product?

Please confirm that does irda think that it is ethical and good practice to approve loading extra premium to existing customers just for the sake they have added features which will be never get utilized for 50% customers?

Does irda approve such plans for any health care firm which forces existing customer to pay for the feature which he never had chosen and never will be utilized?

One of agent of religare health also told me that irda has approved to religare health insurance that religare health insurance can load extra premium in every 4 years for considering inflation rate?

Is it true? If it is true then why in what percentage they are allowed to load extra premium? And what was the percentage irda has approved this year for religare health insurance?

Please carefully read my concerns understand the risk for the customer and take actions accordingly before people will become fool by health firm.