Claimed

Max Bupa Complaints & Reviews

1.2
Updated: Oct 27, 2025
Complaints 234
Resolved
54
Unresolved
180
Contacts

File a complaint to Max Bupa

Having problems with Max Bupa?

File a complaint and get it resolved by Max Bupa customer care. It’s quick, effective and absolutely free!

SUBMIT A COMPLAINT

Max Bupa reviews & complaints page 11

Newest
  • Newest
  • Most Helpful
  • Most Popular
  • Resolved
  • Contains Photos or Videos
  • Oldest
J
jeevesorder
Apr 18, 2014
Resolved
Report
Copy
Resolved

Address: Hyderabad, Andhra Pradesh

The company has issued a renewal notice requesting me for payment for the medical insurance. My net premium amount was Rs. 96400.00 and the gross premium would be the service tax and education cess and secondary and higher education cess would be leived on it. This year they are saying that the premium amount is 11741 inclusive of all taxes. When i have asked for the break up they are saying that gross premium amount is 105xx and service tax and other cess as applicable. In my certificate the break up of gross premium is very clear with the net premium and the associated service taxes and other cess being leived. I want to clarify my doubt does the gross premium is inclusive of service tax or exclusive of service tax as per this company?
Aug 14, 2020
Complaint marked as Resolved 
Max Bupa customer support has been notified about the posted complaint.
Dear Mr. Jeevesorder,

We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you at the earliest.

Many Thanks,
Team Max Bupa
Dear Mr.Jeevesorder,

We are keen to resolve your issue; we have not yet received your contact details and are awaiting your reply at the earliest.

Many Thanks,
Team Max Bupa
Dear Mr.Jeevesorder,

We have been awaiting your response. Please get in touch with us by emailing us on [protected]@maxbupa.com or call us on Toll Free number[protected] to help us resolve your complaint/query. You can also visit http://www.maxbupa.com/customer-care/health-services/grievance-redressal.aspx to resolve the issue.

Many Thanks,
Team Max Bupa
Helpful
Found this helpful?
3 Comments
Report
Copy

Post your Comment

    I want to submit Complaint Positive Review Neutral Comment
    code
    By clicking Submit you agree to our Terms of Use
    Submit
    M
    mahender kumar1
    from New Delhi, Delhi
    Apr 11, 2014
    Report
    Copy

    Address: New Delhi, Delhi

    i had applied for Family Health Insurance with your company 28 feb 2014 Through
    Surender nath number [protected]. Earlier points he told me will signing
    paper :- 1.No medical Test 2.No money will take from your account until your
    insurance date starts 3.with in 2 0r 3 days you will get your policy in
    mail 4.very Polite and pleasing personalty 5.on miss call give call back
    Change after signing paper and given check only
    2 days later 1.yes medical test required 2.company rule that your
    payment has to be take before processing medical test (Earlier he has
    refused for this ) 3.For last few days telling story tomorrow you will
    get your policy or medical done (Nothing till now
    ) 4.for 3 Lac policy company rule is you have visit medical center
    (Earlier doctor will visit to your home for medical test ) 5 No
    misbehaving and shouting on phone if i am checking any thing . 6. when
    calling now he is not picking up call when regular 3 to
    4 time than only they pick phone .

    Send more than 100 mail to
    Saurabh Tripathi Head – Customer Services
    Gargi Sahu Chief Manager – Customer Services
    no ine get get back they are choor who take customer money and enjoy on that and 1 month passed they have not issue policy i have make it cancell now they creating issue in sending money
    poor choor company
    Dear Mr.Mahender Kumar,

    We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you at the earliest.

    Many Thanks,
    Team Max Bupa.
    Dear Mr.Mahender Kumar,

    We are keen to resolve your issue; we have not yet received your contact details and are awaiting your reply at the earliest.

    Many Thanks,
    Team Max Bupa.
    Dear Mr.Mahender Kumar,

    We have been awaiting your response. Please get in touch with us by emailing us on [protected]@maxbupa.com or call us on Toll Free number[protected] to help us resolve your complaint/query. You can also visit http://www.maxbupa.com/customer-care/health-services/grievance-redressal.aspx to resolve the issue.

    Many Thanks,
    Team Max Bupa
    I endorse Mr.Mahender Kumars views.Why is the Max Bupa team now running after him, instead of pounding the SOB Surendernath.And what about Saurabh Tripathi and Gargi Sahu?? These nitwits have been silent all along.Why? Warming their aasses on the chairs for nothing?? And customer care english? Phew- from where do you pick up these school dropouts to answer calls and reply to complaints?? Wonder if they can even write hindi properly.You seem to be under medical amnesia yourselves-Max Bupa.
    Helpful
    Found this helpful?
    4 Comments
    Report
    Copy

    Post your Comment

      I want to submit Complaint Positive Review Neutral Comment
      code
      By clicking Submit you agree to our Terms of Use
      Submit
      R
      Raj Gadol
      from Delhi, Delhi
      Mar 27, 2014
      Report
      Copy

      Address: New Delhi, Delhi

      My daughter had not any ulcer, Only infection in intestine and she recovered in in six days in hospital . my question is that if a person have ulcer then he can"t recover in six days every doctor knows it. doctor who cured my daughter cofessed it and gave in written on thier letter head that it is infection But maxbupa is not confessed .bupa rejected claim on last stage of hospital discharge bupa don't believe in doctor statement who take degree of MBBS from health ministery of india. bupa doctor are above over world. maxbupa doctor are very intelligent and other doctor are fool and mad bupa believe it. policy no.[protected]. m. [protected]
      Helpful
      Found this helpful?
      Write a comment
      Report
      Copy

      Post your Comment

        I want to submit Complaint Positive Review Neutral Comment
        code
        By clicking Submit you agree to our Terms of Use
        Submit
        A
        ameglani
        from Surat, Gujarat
        Mar 18, 2014
        Resolved
        Report
        Copy
        Resolved

        Address: Surat, Gujarat

        Sir, I would like to tell you that i am a customer of Maxbupa Health Insurance company my Policy Number is "[protected]" named with"ASHOK KUMAR TULSIDAS MIGLANI" and i am so dissatisfied with the working process of MAXBUPA HEALTH INSURANCE company. I would like to tell you that when the patient has taken admission in hospital then i have intimated to that company and my intimation number is "578992" at that time that company has not intimated me regarding the hospital that it comes under black list.I have provided the proper details of the hospital with it.The company has provided me the claim number and the number is"70059". Rather then that next day MAXBUPA HEALTH INSURANCE companies executive visited the hospital at that time he has not intimated regarding the hospital comes under black list. After that the discharge was made from the hospital.. Next day MAXBUPA HEALTH INSURANCE companies executive came to house for the verification purpose and asked many questions from the patient..I would like to tell you that we were unaware regarding the hospital and the list would keeps on changing.. So i would like to ask you that if a company would behave with customers in this manner then it would really creates a bad impact in the industry.. I am kindly requesting you to please provide me your support regarding this issue... Sincerely, Ashok Kumar Miglani ([protected])
        Aug 14, 2020
        Complaint marked as Resolved 
        Max Bupa customer support has been notified about the posted complaint.
        Mar 24, 2014
        Updated by ameglani
        Till now i dont got any response from your side. So please respond me as soon as possible..
        Helpful
        Found this helpful?
        Write a comment
        Report
        Copy

        Post your Comment

          I want to submit Complaint Positive Review Neutral Comment
          code
          By clicking Submit you agree to our Terms of Use
          Submit
          S
          smitaran
          from Bengaluru, Karnataka
          Mar 5, 2014
          Resolved
          Report
          Copy
          Resolved

          Address: Bangalore, Karnataka

          The Policy details are as follows:

          Policy Number: [protected]
          Customer ID:[protected]
          First PremiumPayment Date ( Date of Cheque Clearance) : 24th Nov 2012
          Issue date – 6th Jan 2013

          A Quick Background:
          The necessary formalities around the Policy in reference was initiated in Novemeber 2012which included a medical test and a payment of INR 26, 098. At the time of the medical test, it was told that the test for the spouse, was not required and hence the sample was not collected the day it was collected for myself. Subsequently, the need for dependent to go through the test was brought up too. Following all this, there was a delay in issuance of the policy which was eventually issued on 6th Jan 2013.

          Meanwhile, there was a change in my health status...following minor gastrict symptomps during a normal check up on 4th/5th Jan 2013, I was diagnosed GIST (Gastro IntestinalStromal Tumor) on 5th Jan. Following a scary situation, I was immediately operated upon on the 7th Jan 2013.

          Max Bupa Policy wa snot, and have not been so far, used for any claims.

          Following the surgery, I have been on a daily dose of Glevec 400 mg and the subsequent CT Scans ( 3 of them) have shown no metabolic activities indicating that the disease is not active and has not recurred.

          Post Surgery, we put a claim of very minimal amount, may be just 10K, just to ensure that they acknowledge the disease to which Max Bupa did a doctor investigation, several rounds of discussion happened, they even meet the doctors. however we were never updated with the progress. Post one year, MaxBupa agent followed up on a daily basis to renew the policy that is when we asked them to update the document with the health status. they still insisted to renew the policy, even gave a grace period on 1 month. they did another round of investigation. we finally renewed the policy on last day of grace period. post that Max Bupa turminated the policy stating non-disclosure of information.

          reason being " retrosternal pain 7-8 months" as indicated in the first CT report (attached again): I would like to mention again that the 'pain' was more of a 'discomfort' which was so normal that we never felt the need to visit a doctor. Conditions like these are very common and normal. We mentioned about "minor & occasional gastric" symptoms but it was not seen as anything "abnormal" to be mentioned in the form.

          this is just the co-incident that we had a medical situation right after the policy is taken. MaxBupa dishonoring this saying "non-disclosure" of information is not acceptable, especially when we are not claiming maxbupa for the surgery...
          Aug 14, 2020
          Complaint marked as Resolved 
          Dear Ms.Smitaran,

          We regret the inconvenience caused to you. Thank you for sending in your policy details. We will get back to you at the earliest.

          Many Thanks,
          Team Max Bupa.
          MaxBupa team has been working on this Since Feb 2013...ever since we updated them about the status. they kept the policy active for one y
          ear, even insisted on renewal which we did at the end of grace period. post which the policy was terminated since we insisted to update the document with revised health status which was happened during teh policy period...i just want to mention a simple point here - we have two other corporate policy, we had made no claim. our intention of informing you on 5th Feb 2014 was to update you on the status change...no claim was done. we even helped teh investigation team with all details even though we were going thru a tough time.

          Also the reason for non disclosure given by MaxBupa is "7 months of Pain"", , , please note, had we know the deasease was existing we would not have waited for the policy to be issued. pain was minor, we thought it was due to bad eating habit/ Acidity problem. that is why we visited a Gastro Dr in Jan...and every thing happened on next day...one test followed by other. MaxBupa team should definitely speak to teh first Dr we met as he very well understands that it was a surprise for us on that day. Also even on the test day, we were insisting can we not do th etest as there is not much issue, may be continue with medicine for sometime and see how it goes...

          if you really want to genuinely understand thr truth then speak to the two doctors, ...but if you just want to avoid continuing with the policy then you can stick to your STUIPID FRAUD findings. i will still keep asking you why nothing was updated after your investigation in Feb 2013,
          what was suddenly changed in 2014. this question is very vital for me.
          Dear Ms.Smitaran,

          Thank you for bringing this to our notice. We regret the inconvenience caused. As our customer service team explain to you during the telecon, we are looking into this. We are working towards resolving your concern within 7 working days.

          Many Thanks,
          Team Max Bupa
          Helpful
          Found this helpful?
          3 Comments
          Report
          Copy

          Post your Comment

            I want to submit Complaint Positive Review Neutral Comment
            code
            By clicking Submit you agree to our Terms of Use
            Submit
            S
            Shivendra Bhatia
            Jan 3, 2014
            Report
            Copy

            Dear All, I am forced to write my complaint in open forum and thank you for giving me this platform. I am a Senior Citizen holding MAXBUPA Health Insurance for over 2 years paying a premium @ rate what MAX BUPA increases every year, hoping that will come to my help when I need. I was advised by Doctor CATARACT operations for both eyes, after reviewing the policy and also confirmed with a call center about I going ahead with operations and MAX BUPA terms and condition are met, the answer was given me YES but when I proceed with the claim process for Rs. 27000.00 companies out rightly rejected the claim. I don't know how I can run from pillar to post for this claim being not kept well. I tried to write many emails and also wrote to the grievances Redressal team but no positive response. I request for your assistance how can I proceed, and had a waiting period 2 years as hold period.

            Thanks,
            Santosh Bhatia
            Dear Shivendra Bhatia,

            We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you at the earliest.

            Many Thanks,
            Team Max Bupa.
            Dear Shivendra Bhatia,

            We are keen to resolve your issue; we have not yet received your contact details and are awaiting your reply at the earliest.

            Many Thanks,
            Team Max Bupa
            Dear Shivendra Bhatia,

            As we still haven't received your contact details, we shall not be able to take the conversation forward on this platform. However if you require any further assistance, we request you to call us on our Toll Free number[protected] or write to us at [protected]@maxbupa.com.

            Many Thanks,
            Team Max Bupa
            Helpful
            Found this helpful?
            3 Comments
            Report
            Copy

            Post your Comment

              I want to submit Complaint Positive Review Neutral Comment
              code
              By clicking Submit you agree to our Terms of Use
              Submit
              K
              kanubhai vaghasia
              from Pune, Maharashtra
              Aug 7, 2013
              Resolved
              Report
              Copy
              Resolved

              Address: Gujarat

              Dear Sir,

              Plan : Heartbeat Silver

              Policy No [protected]

              Claim No 43611

              I am the mediclaim policy holder of maxbupa since 16/4/2013 and in force countinously till today. On 13/6/2013 i was operated for anverted problem.
              I have put up all paper for claim and company has rejected my claim with declaring this deases is 2.5 year old and hence not settled.

              My medical treatment is true and amount is actual.

              Please help in this regards.


              Regards

              J K Vaghasia
              Aug 14, 2020
              Complaint marked as Resolved 
              Hi Customer,

              We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with your as soon as possible.


              Team,
              Max Bupa
              Hi kanubhai vaghasia,

              We are keen to resolve your issue we have yet not received your contact details . We are awaiting your reply.

              Team,
              Max Bupa
              Helpful
              Found this helpful?
              2 Comments
              Report
              Copy

              Post your Comment

                I want to submit Complaint Positive Review Neutral Comment
                code
                By clicking Submit you agree to our Terms of Use
                Submit
                P
                Pravin_Patil2683
                Jul 26, 2013
                Resolved
                Report
                Copy
                Resolved

                Address: Thane, Maharashtra

                I have bought MAX BUPA Health insurance policy one year back. That time whatever queries they ask we answer 100% correctly. And on that basis they have issue policy with their terms and conditions which disease not be covered.
                After policy six months stomach pain started so went to dr he said stone problem but it stop by dr tablet. and in April 2013 it started again strongly so we went to dr again he did sonography and after seeing report he said we have to admit for operating. so we admit in hospital. he did operation. after that i submit all reports to MAX BUPA for claim now they are saying we hide this disease at the time of policy.
                Aug 14, 2020
                Complaint marked as Resolved 
                Helpful
                Found this helpful?
                Write a comment
                Report
                Copy

                Post your Comment

                  I want to submit Complaint Positive Review Neutral Comment
                  code
                  By clicking Submit you agree to our Terms of Use
                  Submit
                  J
                  jitendra danane
                  from Pune, Maharashtra
                  Jun 3, 2013
                  Resolved
                  Report
                  Copy
                  Resolved

                  Address: Delhi
                  Website: www.maxbupa.com

                  3.6.2013
                  To,

                  Head Customer Services,
                  Max Bupa Health Insurance Co Ltd,
                  D-1,Salcon Ras Vilas,
                  District centre, Saket,
                  New Delhi-110017

                  Inordinate delay in refunding of the premium amount of Rs.21863/-
                  paid for online policy
                  (Application No.: 429483 -refund of premium (Transaction Id MIDB[protected])

                  I had applied for online health insurance policy on 21.5.2013.However, after a day or two, I got a call from one lady representative of your company from Delhi conveying that the company could not issue the policy for some medical reason. I immediately asked her to arrange for the refund of the entire premium amount to my account with IDBI bank ([protected]) as I was not interested in the policy any more at all. She assured me to arrange for the refund within 7 working days as per the company’s policy and rules. By that logic, I should have got the refund by 30.5.2013. However, with great anguish and disappointment, I like to bring to your notice that today i.e 3.6.2013 is the 10th day and I am still waiting anxiously for my hard earned money from Max Bupa.

                  Meanwhile, in desperation, I contacted your official in Delhi Mr.Gautam Singh who too assured that the refund will happen in 7 days. Then I further contacted Mr. Vijay Sharma in your Mumbai office to help me. He too gave assurance of faster refund but nothing happened. I also sent mail and requested over phone to another official in Delhi Mr. Amit Singh. He said that they will take still more time to look into the matter and then arrange for the refund.

                  I also lodged my grievance on your website, also with your customer care, and later with Mr Gargi Sahu (Chief Manager-,customer services). But I am thoroughly pained with no visible concrete action of refunding my hard earned money by Max Bupa. (Copies of email correspondences attached).

                  In view of the inordinate delay from your company, I now demand quick refund along with interest @ 15% for the delayed period and for causing harassment.

                  I thank your company in non granting me the policy in initial stage itself thus saving me from future most inefficient and unprofessional service, total disregard and callousness to the needs/grievances of common customers like me.

                  Could you please look into the matter and make responsible the officials who have caused this delay. Could you please sensitise your people to be more professional, more humane, more caring and most prompt and going extra mile to address the concerns of the customers.

                  The entire episode has made me very wary of approaching any insurance company for my health insurance policy. I shudder with fear and think what would be your response time, and what would be your attitude while dealing with some genuine customer who comes for claim/settlement.

                  I am writing this letter with anguish and pain but also with some dim hope that some senior, responsible, sensitive professional from Max Bupa Insurance Co. will look into the matter personally, and address my concerns and arrange for quick refund with 15% interest for the inordinate, avoidable,unparddonable delay and causing mental agony to me.

                  Regards

                  (Jitendra Danane)
                  Dy.Gen.Manager
                  IDBI Bank Ltd,
                  Nariman Point,
                  Mumbai
                  Aug 14, 2020
                  Complaint marked as Resolved 
                  Hi Jitender,

                  Something similar is happening with me. I made payment almost 20 days back but these people seem to have vanished. I get no concrete reply from their side. They just keep asking for more and more time and I do not even know if they are issuing policy to me or not. Could you please inform us what has happened with you.

                  Thanks
                  Anubhav
                  Hi anubhav_7,

                  We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you as soon as possible.

                  Team,
                  Max Bupa
                  Dear Jitendra Danane,

                  We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you as soon as possible.

                  Team,
                  Max Bupa
                  Dear anubhav_7,

                  We are keen on resolving your issue. We are yet to receive your contact details. Do send them in so that we can come up with a resolution.

                  Thanks,
                  Team Max Bupa.
                  Hi Team Max Bupa,

                  My sincere apologies for not having updated this post. My issue was resolved after intervention of your senior grievance redressal officer. You can close my entry.

                  Thanks
                  Anubhav
                  Dear Jitendra Danane,


                  We have been awaiting your response. Please get in touch with us by emailing us on [protected]@maxbupa.com or call us on Toll Free number[protected] to help us resolve your complaint.


                  You can also visit http://www.maxbupa.com/customer-care/health-services/grievance-redressal.aspx to resolve the issue.


                  Many Thanks,
                  Team Max Bupa
                  i am also a victim of maxbupa callous customer service. i sent an escalation email to gargi shsahu but received a failure notification since the recipients mail box is full. What is really worrisome is that the escalation point email ids are not displayed on maxbupa website, they are hidden from public view, that speaks something about transparency. And in terms of service, the reps are totally insensitive. This is another company which big promises but faltering when it comes to delivery. Utterly disappointed.


                  Service Request No. is 758867


                  Delivery has failed to these recipients or groups:
                  gargi.[protected]@maxbupa.com
                  The recipient's mailbox is full and can't accept messages now. Please try resending this message later, or contact the recipient directly.


                  Diagnostic information for administrators:
                  Generating server: maxbupa.com
                  gargi.[protected]@maxbupa.com
                  #554-5.2.2 mailbox full 554 5.2.2 STOREDRV.Deliver.Exception:QuotaExceededException.MapiExceptionShutoffQuotaExcee... Failed to process message due to a permanent exception with message Cannot open mailbox /o=First Organization/ou=Exchange Administrative Group (FYDIBOHF23SPDLT)/cn=Configuration/cn=Servers/cn=MBHI-MX-SRV-04/cn=Microsoft System Attendant. 16.55847:C5000000, 17.43559:0000000020010000000000000000000000000000, 255.23226:2B0A0000, 255.27962:FE000000, 255.17082:DD040000, 0.26937:00000000, 4.21921:DD040000, 255.27962:FA000000, 255.1494:00000000, 255.26426:FE000000, 0.22086:0B004F66, 0.25876:0B004F66, 4.7588:0F010480, 0.25840:0F010480, 4.6564:0F010480, 0.56333:B0840130, 4.6372:05000780, 0.24916:FB004067, 4.6276:05000780, 4.5721:DD040000, 4.6489:DD040000, 0.34743:0F010480, 4.2199:DD040000, 0.56415:0F010480, 4.48223:DD040000, 4.17097:DD040000, 4.8620:DD040000, 255.1750:00000000, 0.26849:00000000, 255.21817:DD040000, 0.26297:00000000, 4.16585:DD040000, 0.32441:0F010480, 4.1706:DD040000, 0.24761:00000000, 4.20665:DD040000, 0.25785:00000000, 4.29881:DD040000 ##
                  Original message headers:
                  Received: from cluster-k.mailcontrol.com (116.50.57.190) by MBHI-MX-SRV-05.maxbupa.com (192.168.32.89) with Microsoft SMTP Server (TLS) id 14.3.123.3; Mon, 12 May 2014 20:21:26 +0530Received: from mail-yh0-f53.google.com (mail-yh0-f53.google.com [209.85.213.53]) by rly06k.srv.mailcontrol.com (MailControl) with ESMTP id s4CEnM6W001628 (version=TLSv1/SSLv3 cipher=RC4-SHA bits=128 verify=OK) for <gargi.[protected]@maxbupa.com>; Mon, 12 May 2014 15:49:24 +0100Received: by mail-yh0-f53.google.com with SMTP id i57so4120452yha.40 for <gargi.[protected]@maxbupa.com>; Mon, 12 May 2014 07:49:22 -0700 (PDT)DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=20120113; h=mime-version:in-reply-to:references:date:message-id:subject:from:to :content-type; bh=7U6zncWlv2w199w8w50HOU6EIw8dLZDT3P5IZVbcSd0=; b=vu5cOBiWmn3o84mSJO6LQ8ZeIUYuQTaxfKa32jALpfs0uNeAxqNpuhZ8GfmgRdXBXG Qnv+JMoSo3yqdBi+dk6gET4RFtJd4aPY3cMPObouhYpPFgd/28zd8D5u3lk7FzO/PXg4 PBaSOdAciczQObp0ba8H79ISe9WD8UcehGcmkcrxnq9UmODl+1BJ+/HbL7LVLIJ5O6XY KaWneKP38l5ybhRTDwqyz+2T/H9nrSR8xaigMUO9+ihdONr3bIxFw3OS6aDrT4MNg5Zb 7WJ0rE6xWNCF1qXTRRj8yoUicb4kylUo6Jy4fmITtOKGqy5mRguy1ZiqS8IPCRuEiw4x EghQ==MIME-Version: 1.0X-Received: by 10.236.147.51 with SMTP id s39mr41804388yhj.99.[protected]; Mon, 12 May 2014 07:49:22 -0700 (PDT)Received: by 10.170.66.196 with HTTP; Mon, 12 May 2014 07:49:22 -0700 (PDT)In-Reply-To: <[protected]@MBHI-MX-SRV-04.maxbupa.com>References: <CAKn2e=pxyTqo-Kk21geB1CbrsvCj+[protected]@mail.gmail.com> <CAKn2e=[protected]@mail.gmail.com> <CAF6eGNtxzZtBFFMxBJDTvCMj9rj=9+[protected]@mail.gmail.com> <CAF6eGNsvcJYr2p6B_aes_21wQjQDzj+z0H7D7g_HR9+[protected]@mail.gmail.com&a... <CAF6eGNtMH9=t4XFVixqDqwajAHqWh3zXzPp7m+m1+[protected]@mail.gmail.com&... <[protected]@MBHI-MX-SRV-04.maxbupa.com> <[protected]@mail.gmail.com> <[protected]@MBHI-MX-SRV-04.maxbupa.com>Date: Mon, 12 May 2014 20:19:22 +0530
                  Dear Mr. Ashutosh Upadhyay,

                  As communicated by our customer service team, we will give you a call shortly to address your query regarding the policy. Thank you for your patience and co-operation.

                  Many Thanks,
                  Team Max Bupa
                  Helpful
                  Found this helpful?
                  8 Comments
                  Report
                  Copy

                  Post your Comment

                    I want to submit Complaint Positive Review Neutral Comment
                    code
                    By clicking Submit you agree to our Terms of Use
                    Submit
                    D
                    divyaseth17
                    from Delhi, Delhi
                    May 27, 2013
                    Resolved
                    Report
                    Copy
                    Resolved

                    Address: Delhi

                    have a Health insurance policy issued by your company (Policy no.*******201300) on my mothers name and have been facing issues right from the day the policy document was issued

                    My primary issue of forged signature on the policy that was done by your agent Mrs Sheela Jain - DEL0112951 & Mr Shakul Goyal. I had given my mother's date of birth as 24 Jan 1954 in the form, where in your agent has changed the year to 1955 in the policy document & forged my signature (Snapshot Attached). Result is wrong health card issued on my mothers name with incorrect dob details. Have tried reaching your agent multiple times to correct the health card but they have stopped responding to my calls and I have not received response from the company on the same. I am very dissappointed with Max for keeping such reluctant agents who are very unfair when it comes for customer service,and when they need policy they call us as many times as they can and also visit us "N" number of times regardless of time schedules. It has been over 3 months now that he has stopped responding to my calls, so I had to call the customer care and ask for help.

                    Also, Signature forgery is a crime, hence I would request you to please take this matter seriously, else i have to take it to futher higher authorities. Today they have changed the date of birth, tomorrow they can claim the amount as well. Please help.

                    Policy Details:

                    Branch Offc - Delhi Pusa Road II
                    Policy No - *******201300
                    Policy Holder - Ms Divya Seth
                    Insured - Mrs Saroj Seth
                    Commencement Date - 28th Feb 2013
                    Expiry Date - 27th Feb 2013
                    Plan Opted - Heartbeat Silver

                    Agent Details:

                    Agent Name - Sheela Jain & Shakul Goyal
                    Agent Code - DEL0112951
                    Agent Contact Number - [protected]
                    Address - R Block 13 C Dilshad Garden, Delhi -110095


                    Best Regards
                    Divya Seth
                    Aug 13, 2020
                    Complaint marked as Resolved 
                    Dear Divya,

                    Thank you for bringing this to our notice. We regret the inconvenience caused. As our customer service team explain to you during the telecon, we are looking into this. We are working towards resolving the issue at the earliest.

                    Many Thanks,
                    Team Max Bupa
                    Helpful
                    Found this helpful?
                    1 Comment
                    Report
                    Copy

                    Post your Comment

                      I want to submit Complaint Positive Review Neutral Comment
                      code
                      By clicking Submit you agree to our Terms of Use
                      Submit
                      P
                      pbanny
                      from Delhi, Delhi
                      Apr 12, 2013
                      Resolved
                      Report
                      Copy
                      Resolved

                      I bought a Max Bupa policy for myself and my Husband in February through their online system and paid Rs.14716/- (Fourteen Thousand Seven Hundred and Sixteen Rupees only) online instantly. I Received a Confirmation of my money submitted with Payment Reference No: MICI[protected] and WEB REFERENCE NO: WNB[protected]. My Application Form no:[protected] for Heartbeat Gold 500000 2 Adults with Policy No: [protected] on February 26th 2013. I kept following up with the Customer care for the status of my policy but none of them gave me a concrete reply. They said my application is in process. I emailed, called did everything but now the thinsg have gotten out of hands, neither i have received a single call from the so called reputed company nor have i received any written communication. It has been 2 months since and i have no clue what am i supposed to do. Have they eaten my money ? do they have no shame to either reject or accept my policy or atleast communicate with me. I am a senior manager at a very reputed company and absolutely do not deserve this attitude. I shall take this matter to the court of law if my problem is not solved within 48 hours.

                      Please cooperate.
                      Aug 13, 2020
                      Complaint marked as Resolved 
                      Dear pbanny,

                      We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you as soon as possible.

                      Team,
                      Max Bupa
                      Helpful
                      Found this helpful?
                      1 Comment
                      Report
                      Copy

                      Post your Comment

                        I want to submit Complaint Positive Review Neutral Comment
                        code
                        By clicking Submit you agree to our Terms of Use
                        Submit
                        S
                        shaan.chakraborty1234
                        from Pune, Maharashtra
                        Apr 6, 2013
                        Resolved
                        Report
                        Copy
                        Resolved

                        Address: Kamrup, Assam

                        Am very frustrated with this company. we did 2 policies recently on my fathers name () which are still under freelook period. out of which i want to cancel 1 policy with policy number[protected] of Rs 140495 but the branch is not ready to process my cancellation. i have been trying to cancel this in the branch since last 15 days but nobody seems to be responding and gives us one or the other reasons/excuses whereas the freelook expires today (6th April 2013) also had couple of conference calls with customer care rep and the branch agent. the rep tried to help and advised the branch to assist to cancel but still the branch gives reasons like Link failure etc etc. if this is how customers are treated, i would definitly not maintain any relation with this company and would cancel both the policies. i would definitely not sit quitely and let my hard earned money go waste. I would take this upto IRDA (Insurance Regulation and Development Authority), Govt of India
                        Aug 13, 2020
                        Complaint marked as Resolved 
                        Dear Shaan,


                        We regret the inconvenience caused to you. We have your contact details. We will get back to you at the earliest.


                        Many Thanks,
                        Team Max Bupa
                        Helpful
                        Found this helpful?
                        1 Comment
                        Report
                        Copy

                        Post your Comment

                          I want to submit Complaint Positive Review Neutral Comment
                          code
                          By clicking Submit you agree to our Terms of Use
                          Submit
                          M
                          manavsachdeva
                          from Gurgaon, Haryana
                          Mar 22, 2013
                          Resolved
                          Report
                          Copy
                          Resolved

                          Address: Central Delhi, Delhi

                          Sir/Mam ,

                          i would like to take your help in getting my refund of money after they declined my policy, from maxbupa insurance company. After numerous emails and calls none of the executive or representative has addressed my problem. Though continuos efforts were made from may 2011 to get the refund then i was sent a cheque already expired . The first complaint was made by calling maxbupa call centre on 8th february 2013, then the first email was sent on 3rd march 2013, then a written complaint was sent on 11th march 2013.
                          As a matter of fact none of the representative in the mean time contacted me by any mean till date. The only reply i used to get was from customer service that they apologise and they have told the concerned department about it.
                          I request you to kindly take the matter in your interest and help me getting my money back.
                          Reference to the letter dated[protected] for the policy proposal no[protected] along-with refund of the cheque in favor of Manav Sachdeva(Myself), cheque No- 757529 of Rs 9431 drawn on the HongKong And Shanghai Banking Corporation Ltd dated[protected] , which was received by me on[protected] at 01:17 PM through Blue Dart via waybill ref no- [protected].
                          In this connection it is stated that this cheque was already expired on[protected] on the date of receipt . A complaint was registered to Mr.Prashant (customer care executive) vide ref no-220511 dated[protected] at 7:00 PM , on the toll free customer care no[protected]. But till date no action has been taken by max bupa insurance company limited & my amount of Rs.9431 is not refunded by the company since the date of cancellation of policy i.e 1st week of May 2011.
                          The the proposal was declined by the Insurance company in the 1st week of May 2011 the very next day of my proposal the amount of Rs.9431 is not refunded till date that causes mental agony/harassment to me.
                          In view of the above ,now i request you to help me to get refund of my amount of Rs.9431 alongwith penal interest @18% P.A & Compensation of Rs.25000 for harassment & mental agony to me.
                          Aug 13, 2020
                          Complaint marked as Resolved 
                          Consumer court may solve this issue i guess
                          Respected Sir,

                          With all due respect, I’m writing this letter to you, due to the Non- resolving situation. Till date( 15th April 2013)

                          My father has taken a Health Insurance Policy from Max Bupa –Health Insurance on date: - 23/12/2011
                          For his medical contingency, but now he’s facing too many problems after the compilation of one year of the policy.

                          Problems we are facing at present with Max Bupa Policy No: - [protected]

                          1. Without any prior information the Annual Premium has been Increased
                          Last year Premium Was Rs. 38, 288/- and New Premium Rs.41, 845/-( My parents were not informed earlier at the time taking the policy, that the premium will increase every year.)

                          Increase of Rs.3, 557/- under Annual Premium payment.

                          2. He is getting calls from the Renewal team of Max-Bupa, to pay the new increased Premium amount and the company officials are not ready to give a justifiable reason for the Increase in premium.

                          My Parent are getting unnecessary harassed, without any cause. More over the health cover is already expired, and my parents are without any health Insurance plan/cover. God forbid if some medical emergency happens, then who’ll be responsible.

                          Kindly Help us out under this situation, and please do guide us, that what best can be done under this situation, we were not informed earlier that, every year we have to pay an Increase Amount on our Max Bupa- Medical Policy. This is very un-fair on Max Bupa’s Part, that they are misleading their loyal customers, and harassing a Senior Citizen of this country.

                          It's been month of chasing the customer care executive, after that we think, that we must write to you, get our problem solved or at least some one should listen, that what we are going through?

                          Note: - People take medical policy for their ease, not for any legal hassle.

                          Ankur Batra
                          [protected]@gmail.com
                          Dear manavsachdeva,

                          We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you as soon as possible.

                          Team,
                          Max Bupa
                          Dear Ankur,

                          We regret the inconvenience caused to you. Our customer care team will get in touch with you at the earliest.

                          Many Thanks,
                          Team Max Bupa
                          Dear Ankur,

                          We regret the inconvenience caused to you. We have received your policy number our customer care team will get in touch with you at the earliest.

                          Many Thanks,
                          Team Max Bupa
                          Helpful
                          Found this helpful?
                          5 Comments
                          Report
                          Copy

                          Post your Comment

                            I want to submit Complaint Positive Review Neutral Comment
                            code
                            By clicking Submit you agree to our Terms of Use
                            Submit
                            A
                            ashish patre
                            from Mumbai, Maharashtra
                            Feb 13, 2013
                            Resolved
                            Report
                            Copy
                            Resolved

                            Address: Thane, Maharashtra

                            I had purchased medical health from maxbupa,during this Maxbupa executive Miss.Shubhangi told me that the premium will be for two years.Now Maxbupa is saying that it is for one year.
                            It is clearly cheating with me done by maxbupa.
                            Kindly help me to resolve the same.
                            My contact details are Cell No:- [protected],email id:- [protected]@rediffmail.com
                            Aug 13, 2020
                            Complaint marked as Resolved 
                            Helpful
                            Found this helpful?
                            Write a comment
                            Report
                            Copy

                            Post your Comment

                              I want to submit Complaint Positive Review Neutral Comment
                              code
                              By clicking Submit you agree to our Terms of Use
                              Submit
                              S
                              sasikumar1980
                              from Bengaluru, Karnataka
                              Jan 6, 2013
                              Resolved
                              Report
                              Copy
                              Resolved

                              Address: Bangalore, Karnataka

                              I am Sasikumar R, Customer ID [protected], Customer since 19/04/2012, have an insurance coverage with max bupa health insurance. I own a silver card.
                              I had undergone treatment in mallige hospital, bangalore for back pain on 11/09/2012 and had sent all the necessary documents and claim form on 12/09/2012 through courier. Till date, I have not got any communication in this regard. In the first few days, the representative, Mr. Nagesh from the company, was in contact with me and on 4/12/2012 he told me that I had to scan and mail my ID proof and the membership card, which I did.
                              After that there hasn't been any communication from his side. Whenever I try to call him, he never picks up the call and when I try from some other number, he pretends as if it is somebody else. This is really shocking to me because I was totally dependent on this reimbursement. My treatment was done with the loan amount from a friend of mine.
                              I have totally lost faith in such insurance companies, please help me.
                              Thanks,
                              Sasikumar R
                              Customer ID [protected]
                              +1 photos
                              Aug 13, 2020
                              Complaint marked as Resolved 

                              HEALTH-INSURANCE — REIMBURSEMENT

                              THOUGH
                              I
                              HAVE
                              SEND
                              MY
                              BILLS
                              FOR
                              REIMBURSEMENT
                              NO
                              REPLY
                              YET
                              MY
                              HOSPITAL
                              IS
                              THIRUVENGADAM
                              HOSPITAL
                              VIRUDHUNAGAR
                              Dear Sasikumar,

                              We regret to inform you that we have not been able to process your claim as it did not involve hospitalization.
                              The same was communicated via call to your spouse by our customer service team.

                              Many Thanks,
                              Team Max Bupa
                              Dear SHANMUGAM,

                              We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you as soon as possible.

                              Team,
                              Max Bupa
                              Dear SHANMUGAM,

                              We are keen on resolving your issue. We are yet to receive your contact details. Do send them in so that we can come up with a resolution.

                              Thanks,
                              Team Max Bupa.
                              Dear Shanmugam,


                              We have been awaiting your response. Please get in touch with us by emailing us on [protected]@maxbupa.com or call us on Toll Free number[protected] to help us resolve your complaint.


                              You can also visit http://www.maxbupa.com/customer-care/health-services/grievance-redressal.aspx to resolve the issue.


                              Many Thanks,
                              Team Max Bupa
                              Helpful
                              Found this helpful?
                              5 Comments
                              Report
                              Copy

                              Post your Comment

                                I want to submit Complaint Positive Review Neutral Comment
                                code
                                By clicking Submit you agree to our Terms of Use
                                Submit
                                B
                                bhongale.vaibhav
                                from Dharwad, Karnataka
                                Jan 5, 2013
                                Resolved
                                Report
                                Copy
                                Resolved

                                Address: Pune, Maharashtra

                                I Purchased Health insurance policy for four persons from Max Bhupa with yearly premium 20988 . Before finalizing all details of policy holders i had discussion on same with Mr.Santosh( his cell no.is [protected] ) AT LEAST 4 TO 5 Time after that i paid Money to Max Bhupa . i.e on 06/12/2012 ,,
                                When Policy and cashless cards Received at home on 17/12/2012 i saw My mothers Birth date is Wrong on Cash less card i.e 09/05/1961 instead of 05/ 09/ 1961. i called Mr santosh .....BUT not Received & no reply till 18/12/12 . finally call received by Mr.Sunil & i had discussion with Mr. Sunil Kumar his cell no is( [protected]) Regarding Same , as per discussion i send him my Mothers ID By mail on 19/12/12 at 1.40pm
                                Till Date today is 06/01/2013 means 19n Day Completed Card not received yet. in between this process i called to Mr. santosh on 01/01/2013 but not received, again i called to Mr. Sunil He told me that ( Sir ,, Today we are not working.. so tomorrow when i will be in office i will check and call you for same , ............... again till today m waiting for his call means whole weak M WAITING .....I called MR.SANTOSH but story is Same so I called the Great employee /person/..../...../ he recived & told me SIR..... Today we are not working .................HARAMKHOR HEY SAB KE SAB SALE FOKAT KA PAYMENT LETE HEY........ salon ko yeeee bhi malum nahi ki oo log kyaaa kar rahe hey...chutiyeee sale ....
                                Aug 13, 2020
                                Complaint marked as Resolved 
                                Dear Vaibhav,

                                We regret the inconvenience caused to you. We request you to send in your contact details and our customer care team will get in touch with you at the earliest.

                                Many Thanks,
                                Team Max Bupa
                                Helpful
                                Found this helpful?
                                1 Comment
                                Report
                                Copy

                                Post your Comment

                                  I want to submit Complaint Positive Review Neutral Comment
                                  code
                                  By clicking Submit you agree to our Terms of Use
                                  Submit
                                  D
                                  drrohit1604
                                  from New Delhi, Delhi
                                  Oct 13, 2012
                                  Resolved
                                  Report
                                  Copy
                                  Resolved

                                  Address: Delhi

                                  dear all
                                  i m forced to post put this complain online as my health insurance company max bupa , after repeated calls and repeated assurance by them not refunding my premium amount.
                                  last year i got medical insurance done by max bupa company for me n my wife of 3 lakh.

                                  on may 2012 at time of renewal of policy as i wnt to include my daughter (7 months ) in policy and also want to increase my sum assured i contacted max bupa customer care , and i was asked to deposit cheque of said amount.
                                  i handed over tht cheque to executive of bupa.i had a conversation with some doctor from bupa regarding my family health and previous health history .

                                  i was told that soon i will got a call regarding my family health checkup.
                                  i waited a month but not received any call . when i contacted customer care on june 2012 i was told ur family is insured with increased amount as i requested and soon health check up call be arranged as Dr may be busy, but i received no call from bupa for next 15 days .
                                  i again contacted customer care and they said i will got a back call soon.
                                  from june to sept i repeatedly call them n got same answer -- dnt worry ur family is insured .

                                  shockingly in month of July when i call them for med exam of family i got to know tht my policy is declined due to my wife's some previous health problem which i hv already declared on may 2012.
                                  so i requested them to return my premium amount , and they said i will get it in a week .
                                  after repeated calls and mails i still not received my money back .
                                  points of my complaints are
                                  1. why i was not informed about decline of my policy by bupa
                                  2. why i hv to call them , not received any cal from there side
                                  3. as now everything is clear , why not refunding my amount
                                  4 who will be responsible if my family got any med prob from may 2012 till sept 2012, as i was told repeatedly by bupa customer cae that my family is insured with increased amount o

                                  DR ROHIT
                                  POLICY NO-- [protected]
                                  MAIL ID-- [protected]@gmail.com
                                  Aug 13, 2020
                                  Complaint marked as Resolved 
                                  Helpful
                                  Found this helpful?
                                  Write a comment
                                  Report
                                  Copy

                                  Post your Comment

                                    I want to submit Complaint Positive Review Neutral Comment
                                    code
                                    By clicking Submit you agree to our Terms of Use
                                    Submit
                                    vaibh32
                                    from Thane, Maharashtra
                                    Oct 8, 2012
                                    Resolved
                                    Report
                                    Copy
                                    Resolved

                                    Address: Thane, Maharashtra

                                    I have availed family floater mediclaim policy from Max Bupa (Policy # [protected]) which was renewed in July'2012. As part of renewal scheme, family health check up was complementary, which was done on 30/09/2012. The reports of which were sent by Concerned Pathology directly to Max Bupa saying that I shall get the copy from them.

                                    Hence after 2 days I dropped a request for copy of health check reports at companies toll free number (complaint # 163756). Till date even after promise of resolving query within 48 hours over phone, the company has made me call them at least 4 times till yesterday afternoon but did not send me any copy of reports.

                                    The companies which did not fulfill their commitments, I feel shall, refund my amount along with interest. Because if they cannot fulfill such small requests, how come they will effectively resolve our claims in future, I doubt.

                                    Their call centre is also little funny. They put your call on hold and done come back on line for several minutes. Twice at least I had to drop call after waiting for more than 5 minutes, while representative was retrieving data.

                                    I am surprised with such attitudes of an insurance company, which is nowadays supposed to be one of most service oriented industry in our country.

                                    Regards,
                                    Vaibhav Alshi
                                    +91-[protected]
                                    Aug 13, 2020
                                    Complaint marked as Resolved 
                                    Helpful
                                    Found this helpful?
                                    Write a comment
                                    Report
                                    Copy

                                    Post your Comment

                                      I want to submit Complaint Positive Review Neutral Comment
                                      code
                                      By clicking Submit you agree to our Terms of Use
                                      Submit
                                      S
                                      sarvenkumar
                                      from Chennai, Tamil Nadu
                                      Sep 12, 2012
                                      Report
                                      Copy

                                      Address: Gurgaon, Haryana

                                      I purchased a family health insurance policy from MAX BUPA

                                      Date 25 April 2012.

                                      Paid INR 5649/

                                      Reference id is [protected].

                                      1st June 2012 my wife was suffering from Tified Fever doctor advised her to admit in hospital. Hospital’s TPA sent the insurance details to MAX pupa but the denied the claim saying that ……. (Please read below line)

                                      “Any treatment taken during the first 30 days since date of commencement of the policy, unless the treatment needed is the result of an Accident or Emergency, is not covered. Hence cashless cannot be approved.”



                                      Problem:

                                      It was more then 30 days and Tified Fever comes under emergency treatment.

                                      Before going to hospital I confirmed with them that I will get the cashless treatment but later on they just denied.

                                      MY policy documents sent to me after 3 months.

                                      Wrong and fake hospital list been shared with me while buying the policy (I have the mail record from them)

                                      They don’t have any document which explains that in which circumstance claim will approve/denial.

                                      Please raise my voice against Max bupa as they cheating innocent customer.


                                      Thanks,

                                      Sarven Kumar

                                      Mobile Number [protected]

                                      E-mail [protected]@hotmail.com

                                      MAX BUPA policy Number [protected]
                                      Never Never Never buy any policy from MAX bupa they are most corruppted people.
                                      Helpful
                                      Found this helpful?
                                      1 Comment
                                      Report
                                      Copy

                                      Post your Comment

                                        I want to submit Complaint Positive Review Neutral Comment
                                        code
                                        By clicking Submit you agree to our Terms of Use
                                        Submit
                                        M
                                        mohd thanveer
                                        from Basi, Punjab
                                        Aug 17, 2012
                                        Resolved
                                        Report
                                        Copy
                                        Resolved

                                        Address: Bangalore, Karnataka

                                        Dear sir/ madam,

                                        I have a Health insurance policy issued by your company (Policy no.[protected]) and have been facing issues with regards to your executives right from the day the policy document was issued

                                        My earlier issue of forged signature on the policy was not handled satisfactorily and I have still not received response from the company on the same. Your agents Mr. Ravi Kumar and Mr. Anand Kedia asked me to sign on a document and requested me to close the matter.But now once again I am facing troubles because of their inaction.

                                        I am very thankful to your organization for keeping such reluctant agents who are very unfair when it comes for customer service,and when they need policy they call us as many times as they can and also visit us "N" number of times regardless of time schedules.

                                        My complaint is, I was hospitalized few days back at Panacea hospital in Bangalore and I was told by the same agent Mr. Ravi Kumar that he will collect my documents after I get discharged from the hospital. I
                                        did not ask for him to do this, but was offered the same by him.

                                        I was discharged on 4th Aug 2012 and the same was also informed to Mr.Ravi Kumar. On conversion with him over the phone and SMS I have informed him numerous times about collecting my documents and claim
                                        form so that I could get reimbursement of the amount.

                                        He has promised and committed to meet me at my residence, which he never did. I am under bed rest and offered to send a person to collect the claim form and hand over the hospital document to him, but he
                                        refused saying he will do the needful.

                                        It has been over 5 days now that he has stopped responding to my calls and SMS and so I had to call the customer care and ask for help.

                                        I was hospitalized for slip disc and am advised to limit my movements to home, but am being traumatized by your agent and not able to rest with peace of mind.

                                        The reason I (along with 3 of my friends) took the policy from Max-Bupa is to avoid such incidents, we could have very well taken Insurance from the Public-Sector companies. Now because of such experience me and my friends who have opted for Max-Bupa are forced to look for alternatives.

                                        I hope against hope that unlike my previous experience, this time you would take care of my complaint promptly.

                                        It has been ten days that I have been discharged and if your agent had done what he had promised the amount I have spent should have been on its way.

                                        Kindly look into the issue so that I do not have to look elsewhere when the time comes for me to renew the insurance, and please send another agent who could do the required formalities at the earliest.

                                        *** I have raised this complaint to "The Executive-Customer service,Max Bupa" on 14/Aug/12 and to "The Senior Manager- Customer service,Max Bupa" on 16/Aug/12, but unfortunately i have not received any feed back or acknowledgement of my complaint request till now. This clearly shows how serious is Max Bupa when it comes to customer service.
                                        Kindly let me know what sort of further action can i take on this issue.

                                        Thanx,
                                        Mohd. Thanveer
                                        Aug 13, 2020
                                        Complaint marked as Resolved 
                                        Helpful
                                        Found this helpful?
                                        Write a comment
                                        Report
                                        Copy

                                        Post your Comment

                                          I want to submit Complaint Positive Review Neutral Comment
                                          code
                                          By clicking Submit you agree to our Terms of Use
                                          Submit