Max Bupa Complaints & Reviews

I am a health insurance policy holder with Max Bupa health services with the customer id: [protected] and policy number: [protected]. I had filed a claim (cpatient name: Vivaan Dassani, Hospital: MERF, Chennai) with the company on 18.06.2012 Claim no. 12741 for my son's surgery submitting my original documents and the documents as required by the company in their prescribed formats and formalities were done to the fullest including handing over xerox copies of the original bills to their field investigators. I have been calling them again and again from the past 2 months and they are not responding to settle my claim by any sense, giving excuses everytime. Now they have started a new thing telling me to get some reports from the hospital which is the job of the health insurance company to obtain. I got them linked up with the concerned person in the hospital and even after that they are unable to process this claim. At the time of selling the policy they show us an elephant and give us not even an ant when we file a claim. I took this policy from their employee named Mr. Nirmal Shrivastava mobile no. [protected] and he told me that everything in emergency is COVERED FROM DAY ONE. Now when I have filed a claim of my Son's emergency surgery, they are refusing to settle the claim asking me to submit these documents on their part. I JUST HAVE ONE QUESTION, WHY DOES MAX BUPA EVEN EXIST WHEN WE HAVE TO GET ALL THE DOCUMENTS EVEN AFTER SUBMITTING THEM THEIR REQD DOCUMENTS? THEY ARE JUST ONE OF THE BIGGEST DUPER'S WHO ARE NOW NOT EVEN RETURNING MY SON'S SURGERY ORIGINAL DOCUMENTS WHICH I NEED URGENTLY. I will be more than happy to file a legal case against the company as well if they are not reimbursing the money as they are now just harrasing me. PLEASE GUIDE.

POLICY NUMBER [protected] CLAIM NUMBER 12243 THE INVESTIGATER COME TO HOSPITAL AND GOT ALL PAPER BY DOCTOR BUT COMPANY SAY TO ME THAT I GIVE AGAIN QUESTIONNAIOR FORM TO PATIENT THIS FORM YOU GIVE TO DOCTOR AND DOCTOR FILL IT AND YOU GIVE ME COMPLANE 1 THIS IS NOT MY WORK THIS IS INVESTEGATER WORK COMPLANE 2 ONE TIME INVESTEGATER SUBMIT QUESTIONNAIOR FORM THEN WHY WILL YOU DEMAND AGAIN QUESTIONNAIOR FORM BY PATIENT KRISHNANANDYADAV

I bought an health insurance policy on 08.06.2012. The payment of the premium amounting to rs. 11675 was made vide ref. No. 127594 on 08.06.2012 from max bupa, so customer friendly and efficient insurance company. Since 08.06.2012 I was made to understand that a medical check is required and till date it has not been done inspite of several appointments fixed. My request for refund of the premium too has not been attended. Almost every second or third day an appointment for the medical test is being sought from me, but no body turns up for conducting the same. On friday I received a call from one mr. Arvinder and upon his insistence to go for the policy, I again gave the time slot of 9.00 a.M. To 10 a.M. Yesterday. But as usual I kept on waiting and nobody turned up. now, the height of your customer service is clear from the attitude of mr. Arvinder and ms.Swati. Both of them are not even picking up my phone. Since morning I have tried numerous times.

I am feeling deceived of my hard earned money.

All vigilant citizens are requested not be fall in trap of these type of people, You all could well imagine when they are not able to get the medical done, what type of service they would provide you in future when u r in dire need. These people are working just to siphon out the money from peoples pocket and then put them in hell.

I have a medical policy with Max Bupa for a cover of 50 lacs, which warrants a premium of 115000/- yearly and which incidentally is also supposed to cover my OPD bills, except for preexisting conditions like hypertension and diabetes. However my OPD bills unrelated to these 2 preexisting conditions, are not being reimbursed since last 8 months. Leave aside settling the claims, even my mails do not get an acknowledgement. The intermediary from the Company does not take my calls. What should I do? I have sent several mails and called 30 times to no avail.

My email address is zulli.[protected]@gmail.com

Dear All

My self rohit kaushik, I purchase max bupa family floater for my father policy no. [protected].

Mr. Shobhit shulka (Sales Executive) giving me policy, i Disclose all Pre-existing disease to him But, he is not mention these disease in policy documents & he says me we take medical before issuing policy but max bupa issuing policy without taking medical.

when i am going for claim my claim denied by mr. virender kaushik & miss. rinki on that basis we are not disclose pre-existing disease to max bupa.

& after my claim denied by max bupa i request to him please send me denied letter for this, but he is not sending me denied letter after so many times request.

So, i request you all please do not take max bupa policy, even they say we take medial for pre-existing disease of above 50 yrs. person.

Regards

Rohit Kaushik
[protected]

Dear Sir/Madam,

I have purchased apolicy from max bupa for for in laws whose premium amount was around 24 thousand for sum assured of rs 2 lakhs.

the policy details are-

Policy no-[protected]
My father in law was detected with cancer & operated in TMH mumbai & we have submitted a claim amount of rs 2.64 lakhs & claim no. is 4025 but from past 02 months nobody was Max bupa is givivg any exact dates when the clain will get resolved.

i have written to all thre customer heads & talked several times but in vain.

I think its a fraud company.

whats the method to resolve the same.

shall i go to customer court.


regards
Kamla

I am a 1 month old customer of Max Bupa and I am already so frustrated with their service that I regret having taken this policy. on 12th May 2011 while buying the Heartbeat Gold policy(premium INR 16534), my credit cards got swiped thrice mistakenly. I have trying ever since to get my balance INR 33068 back from Max Bupa but without any effect. My service request number lodged on 18th May 2011 is 65972. I have not got my money back till now after 1.5 months.Hundreds of calls to the call center, customer service officers taking "personal care" and promises have yielded no results. When am I going to get my money back?

I paid premium for two policies for my mother & father.Before purchasing policy they told the medical examination will be held at my place & all expenses will be bared by them.After my parents received call asking them to visit hospital & pay fees for medical tests.After lots of talk with customer care they have given me date & timings for medical tests but hospital was not aware of tests.After one week their medical examination done.As I talked with them they will going to send me policy documents within 7 working days but still they don't have any information regarding my parents policy & they told me there medical team is discussing my parents reports from last 10 days & they are not aware of when they will send my document.

Please let me know what should i do?

My customer id is [protected].

My mail id is [protected]@gmail.com & contact no is:-[protected]

Sir,
Max bupa health insurance company have been sending emails to me for health insurance. I gave positive response. From Delhi they contacted me I asked whether you cover preexisting diseases they told yes after 4 yrs of continuous insurance. I told my diseases they said no problem we will cover. I sent money then one doctor talked me I told all the diseases I have, After that call for one and half month no tel no msg. I tel jaipur office many times no information. At last after many days calls jaipur office replied me proposal has been rejected, why nobody knows. I waited for refund of money No refund again started tel and email to customer service but in vain. Then I complained higher up then they tel me and assured refund. But no reason for rejection.Till date no information, no letter, no SMS that why proposal was rejected, also why they kept money for two months?Why they first promise and also written in brouchure that preexisting diseases will be covered then why they do not insure the person having preexisting diseases? Or they should delete this clause from their brouchure and should write person with preexisting diseases will not be insured, Why IRDA does not look inthis matter. Why these insurance company fool public! For action Please
Dr sAntosh Kumar Naveen
103/66 Agarwal Farm Mansarovar Jaipur Raj

The Insurance industry is supposed to have a very strong governance system however it seems liek MAX BUPA has been able to circumvent those through loop holes!

The Direct Sales team made sweeping commitments while selling the policy, and one really does not want to think o[censored]sing a health policy as it means some one near and dear being unwell or some thing unfortunate happening.

I was told that if I take the GOLD plan then pre-existing diseases would be covered. I asked if there were any tests required - I was told that no there would be no need.

When My wife developed pain in the head where there had been a lump but with no pain for a few months we decided to go to the doctor as over the last few weeks the size had started increasing and the pain had started to become constant!

The doctor recommended that the cyst be excised as it may cause an infection, though it is not an "Emergency" it would be better to get it done ASAP.

This was noted in the pre-Auth form and sent to the Insurer for approval.

The strange part is that you are asked to pay for a whole year of cover but the policy covers you for only 275 days!

The definition of pre-existing is fuzzy.... if something surfaces after the policy is taken then it becomes pre-existing!

The insurance company makes you feel as if you are a fraudster trying to cheat the system whereas it is actually the other way around.

If you call the customer care - they tell you that it is the sales team and they may have made commitments that we are not aware of!

The mail trail of communication is attached.

[protected][protected][protected][protected][protected][protected][protected][pr...⇄
Dear Insurer,
I am a little concerned about the manner in which this request has been dealt with.

1. The Advisor ( DST Mr. Naveen. R. under Team Leader Mr. Kush Khurana)who had met with me to get the policy had, in no uncertain terms confirmed that per-existing conditions were covered under the plan if I was to take the GOLD plan.
2. The need to approach the doctor only came up because in the last couple of days my wife is experiencing severe pain in the head originating from the Follicular cysts of skin and subcutaneous tissue on the scalp. Since it has started causing discomfort and there is an enlargement it obviously is important that the same be attended to at the earliest. It may not be classified as an emergency however it would definitely be prudent to have the same excised to prevent infection, considering that it is on the scalp.
3. Would your honourable medical team suggest that just because it has a 90 day hold period one should risk the spreading of infection?
4. I paid for a ONE YEAR cover!!! By putting in a clause of 90day hold period Max Bupa is in fact offering a cover only for 9 months for the money that was to cover us for 12 months.
5. Wilfully misleading a customer to gain a proposal due to year-ending is gross Misconduct!

I have been cheated and misled to believe that My family and I have a medical cover of 365 days when it is actually only 275 days.

I have been lied to when I was told that the policy covers pre-existing ailments and that I did not have to worry!!!

I fairly certain that the consumer forum will be happy to interact with your representative on this case.

Your organization is playing with the lives of people for making a quick sale during the year end pressure!!!

Putting people in the FALSE SENSE OF SECURITY that MAX BUPA is with us in our times of need!!!


Warm Regards
Subir Sen
________________________________________________________________________________...⇄
The People-i Consult |Villa #13 Hyde Parkk, Rustamji Layout, Whitefield Main Road, Bangalore 560066 |Mobile +[protected] | Email: subir.[protected]@subirsen.com

[protected][protected][protected][protected][protected][protected][protected][pr...⇄
Dear Mr. SUBIR SEN,

With reference to the pre-authorization request received in respect of Ms. SEEMA SEN for treatment in Manipal Hospital, Bangalore we regret to inform you that the request has been denied. Please find details of our response in the attached document.

Thank you for availing our services.

For and on behalf of
Max Bupa Health Insurance Company

Authorized Signatory
[protected][protected][protected][protected][protected][protected][protected]
Dear Sir / Madam,
We refer to your Pre-Authorisation request for the above customer. Our medical consultants appreciate your sending the information to us and have processed the same.
We, however, regret to inform you that we cannot issue a Letter of Authorization for the hospitalisation of the above customer due to reasons detailed below:
Admission date is within 90 days waiting period
The pre-auth and documents provided mentions that the patient has ailment since 6 months which is pre-existing to the policy and was also not disclosed while taking the proposal. Also the pre-auth request is received for planned hospitalization within 90 days of taking the policy. Hence pre-auth request is denied under clause 4a & 4b " Pre-exisiting disease" and under "90 days waiting period applicable for planned hospitalization".
We, therefore, request you to kindly contact SUBIR SEN with regard to settlement of your bills. In this matter, the customer has been notified today. We request you to share a copy of this letter with the customer.
In event of all your queries please feel free to contact our Customer Service Helpline[protected]Toll Free) or[protected] or mail us at customer.[protected]@maxbupa.com.

Kind Attn. : Shri K. Srinivas

Asst. Director

Insurance Regulatory & Development Authority

Consumer Affairs Department

United India Tower 9th Floor 3-5-817/818

Basheerbagh, Hydrabad-500029



Respected Sir,



I PRABAL GOSWAMI resident of H.N. 706, Sector-10, GURGAON, HARYANA working in BHUSHAN POWER & STEEL ORISSA, want to draw your attention to the under mentioned fact that me as well as my whole family (Wife, my daughter & my son) covered with Health Insurance through MAX BUPA w.e.f. 14/09/2010.



My Wife Mrs. MADHUMITA B. Goswami (POLICY NO. [protected] customer ID[protected] through MAX BUPA) sustains a fall on 11/11/2010 morning. Due to this fall she was having pain while walking but there was no swelling near her hip. Assuming that there is any nerve related problem she was taken to INDIAN INSTITUTE OF SPINAL INJURY CENTER V.K. New Delhi, on 11/11/2010 itself. There Doctor suggested to take MRI for proper Diagnosis. On the basis of MRI report diagnosed as her hip joint has been broken and suggested for the hip joint replacement. Total estimated cost was around 3 to 3.5Lacs. As it was a orthopedic case and INDIAN INSTITUTE OF SPINAL INJURY CENTER V.K. New Delhi, is specialized in nerves treatment, opted for second opinion that is in FORTIS HOSPITAL, V.K. Ned Delhi from Dr. G. Bedi on 12/11/2010. Mr. Bedi has also suggested this same treatment and asked me to admit her on 15/11/2010 as he will be busy on 13/11/2010 and 14/11/2010 for seminar etc.



In the mean time I had taken third opinion from Dr. Sachin Yadav, Lajpat Nagar, New Delhi. As the amount and risk involved was high, finally I decided to take her to FORTIS HOSPITAL, V.K. New Delhi on 15/11/2010 as suggested by Dr. G. Bedi. Accordingly applied for PRE-AUTHORIZATION through FORTIS V.K. New Delhi on 15/11/2010 but till 7PM approval not received. At 8PM when I return back to home along with my wife got a First Massage from MAX BUPA that Pre-Authorization denied and subsequently through Second Mobile Massage informed that they need some more clarification from treating Doctor G.Bedi. Again on 16/11/2010 morning went to FORTIS HOSPITAL, V.K. New Delhi and submitted the clarification through Dr. G.Bedi but ultimately after wasting whole day at 7PM got the final denial massage from MAX BUPA.



As at the time of admission minimum 85% payment is need to be deposited in FORTIS, and at that moment I was not having 3Lacs in hand, return back to home again. From home itself I send a mail to customer care MAX BUPA on 16th Night itself. On 17th I got a call from Ms. PAYAL from MAX BUPA, she inform me that although Pre-authorization has been turned down but reimbursement can be made if I submit the all original bills and all IPD relevant paper within 15days after discharge along with claim form .



Any how I managed to have 3.1Lacs from relatives & friends, admitted her on 18/11/2010. After her discharge on 23/11/2011 all relevant paper sent to MAX BUPA on 29/11/2010 through courier and same was well received on 30/11/2010 by them.



After several calls, inquiries and investigations directly and through their agency M/s. PROBUS ASSOCIATES, ultimately again MAX BUPA refuse to settle the claim, informed through a communication (letter) Dt. 27/01/2011 on false claim ground with mentioning exclusion clause (COPY ENCLOSED).



In reply of that letter Dt. 27/01/2011 I had send a mail on 02/02/2011(COPY ENCLOSED) and given a time of 15days that is up to 17/02/2011 to justify the refusal of claim but till date not received any reply so far.



You are requested to intervene in this matter and take suitable statutory action against the monopoly of MAX BUPA to settle my claim of Rs. 3,09,405.50 with interest due to delay in payment.



KINDLY GRANT ME THE JUSTICE AND SAVE MY FAMILY FROM THE DEBT BURDEN INCURED ON THE TREATMENT OF MY WIFE (INSURED PERSON) THROUGH YOUR OFFICE AGINST FRADULENT DENIAL OF CLAIM (BY MAX BUPA) THROUGH UNLAWFUL AND PREJUDICIAL COMMUNICATION DATED 27/01/2011.



Thanks & Warm Regards



PRABAL GOSWAMI
General Manager - Store's
BHUSHAN POWER & STEEL LTD.
Village : Thelkoloi, P.O. : Lapanga
Tehshil : Rengali, Distt.: Sambalpur – 768232
Orissa (INDIA)
T e l : +[protected],[protected] Extn : 5352
F a x : +[protected], 2562011, 2562016
E - Mail : [protected]@bpsl.net
Website : www.bhushanpowersteel.com

Encl : 1. Denial letter by MAX BUPA dated 27/01/2011
2. Reply sent by me on 02/02/2011

From: PRABAL GOSWAMI
To: Customer Care
Sent: Wednesday, February 02, 2011 9:59 AM
Subject: DENIAL LETTER IN RESPECT OF CLAIM BEARING SERIAL NO.213

KIND ATTN. MS PAYAL

WITH REFERENCE TO YOUR CLAIM DENIAL COMMUNICATION DATED 27/01/2011 FOLLOWING ARE FURTHER ADDED IN SUPPORT OF MY WIFE’S CLAIM.

1. INTIMATE THE EXCLUSION CLAUSE UNDER WHICH CLAIMS DENIED.

2. MRS. MADHUMITA B GOSWAMI TAKEN CONSULTATION FROM THE THREE CONSULTANTS OF THE REPUTED HOSPITALS OF DELHI.

3. ALL THE MAJOR PAYMENTS TO M/S FORTIS, HOSPITAL, DELHI DURING HER TREATMENT (18/11/2010- 23/11/2010) WAS MADE THROUGH CREDIT CARD.

4. SHE HAD INCURRED INJURY AND GOT TREATED AT THE COST OF Rs. 309405.50

5. FROM UR COMMUNICATION WHICH READS AS,"I DECLARE & WARRANT------SHALL BE JOINTLY LIABLE FOR SUCH PAYMENT" FOLLOWING ARE GATHERED

a) SHE HADN'T INCURRED ANY MAJOR INJURY.

b) ALL THE THREE CONSULTANTS OF THREE MAJOR HOSPITALS HELPED HER TO LODGE FALSE CLAIM.

c) EVEN BANKER (ISSUER OF CREDIT CARD THROUGH WHICH MAJOR PAYMENT FOR TREATMENT RELEASED) ACTED ON HER BEHALF AND EXTENDED HELP TO LODGE FALSE OR FRAUDULENT CLAIM.

6) HAD SHE BEEN HAVING FRACTURE SINCE LAST SIX MONTHS, SHE SHOULD NOT HAVE HAIL & HEARTY PRIOR TO SUSTAIN A FALL ON 11/11/2010. BY WHICH MEDICAL REPORT YOU HAVE OBSERVED THAT FRACTURE IS AN OLD FRACTURE & IS NOT IN ACUTE IN NATURE MORE OVER AFTER THE FALL ON 11/11/2010 WHEN SHE UNABLE TO WALK PROPERLY THEN ONLY SHE WAS TAKEN TO INDIAN INSTITUTE OF SPINAL INJURY CENTRE ASSUMING THAT SHE MIGHT BE HAVING SOME NERVES RELATED PROBLEM . WE NEVER IN A IMPRESSION THAT SHE GOT SOME FRACTURE.

IN VIEW OF THE ABOVE YOU ARE NOTIFIED FOR RELEASE OF MY WIFE’S CLAIM AMOUNT WITH INTEREST WITHIN 15 DAYS FROM THE RECEIPT OF THIS NOTICE OTHERWISE I PRABAL GOSWAMI HUSBAND OF MADHUMITA B GOSWAMI SHALL PURSUE THE AVAILABLE REMEDIAL ACTION AS PER THE LAW OF THE LAND AGAINST YOUR FRAUDULENT DENIAL OF CLAIM AND UNLAWFUL AND PREJUDICIAL COMMUNICATION DATED 27/01/2011.

Thanks

PRABAL GOSWAMI
General Manager - Store's
BHUSHAN POWER & STEEL LTD.
Village : Thelkoloi, P.O. : Lapanga
Tehshil : Rengali, Distt.: Sambalpur – 768232
Orissa (INDIA)
T e l : +[protected],[protected] Extn : 5352
F a x : +[protected], 2562011, 2562016
E - Mail : [protected]@bpsl.net
Website : www.bhushanpowersteel.com

Dear Sir/madam.
I yogendra kumar sharma purchase a max bupa healthe insurance policy in 07 may 2010 whose policy no. is [protected] and customer id no. [protected]. at the time of selling the policy the told me that i admited in a hospital 1/2 or 1 hrs than they reimburse me all my hospital bill and before 30 days and after 60 days medical bills. I admited on 20 sept 2010 and discharge on 21 sept 2010 due to feaver/chills/vomating in Ganesh Hospital Ghaziabad. I send all my medical hospital bills and reports to max bupa 23 sept 2010 whose acknowledgement i received from max bupa after some days i asked form his at his customer care no. [protected] about the claim than they told me that me claim is cancel due to admited less than 24 hrs in the hospital. but the sell the policy on saying to admited 1/2 or 1 any hrs admited in the hospital. I have voice conersation between me and max bupa and broucher of max bupa as evidence of it. they are also not sen me the cancellation lette and me documet submmited by me.

please help me about this request and conern on this request soon strictly.

Thanking you
your sincerly

Name Yogendra Kumar Sharma
Policy no. [protected]
customer id [protected]
m. no [protected]
email [protected]@gmail.com

To,
India Consumer Complent Forum.
Dear Sir/Madam.
I had taken health policy for my wife from Max Bupa Health Insourance of India.I am giving details as under.Max Bupa has been denied my claim case.They have cheated me.

Subject---Request for claim for Policy no-[protected],ID No-[protected]

Dear Sir,
I sunil kumar having the health policy on the name of my wife Pushpa Yadav as mentioned above .I purchase this policy by your executive Mr Manish Chabra when he traced me up to four months and after convincing me by the doctors team of Max Bupa Health Insurance and that time your doctors team said to me that there is no requirement of medical checkup for my wife Pushpa Yadav, I gave every information about my wife Pushpa yadav to your doctors team . I asked with your doctors & executive about the covering of diseases in your health policy then they said to me that they (Max Bupa Health Insurance) covers all diseases except aids and they said also if patient admits in any panel hospital of Max Bupa Health Insurance for half an hour or more than it then there is cashless treatment and if patient go in other hospital(which is not in the panel of Max Bupa Health Insurance) and admits for half an hour or more than it then bills would be claimable on Max Bupa Health Insurance.After that I purchase your policy.

Suddenly on[protected] my wife Pushpa Yadav have experienced a serious pain in his throat and soiling and she was unable to consumption anything then I discussed with your executive Mr Manish Chabra & your doctors team and they suggested me to visit at Max Hospital at gurgaon ,on[protected] I visited at Max Hospital Gurgaon there I met with Dr Viwan Talwar and they said to me that it is an emergency case and medical test endoscope is necessary in this case , endoscope have been done at Max Hospital Gurgaon and after that other following medical test also have been done on the direction of Dr Viwan Talwar.
(1)FNAC (2)MONTAUX(3) X-RAY of chest and paid the fee of all these test by cash
After getting the report of all medical test Dr Viwan Talwar said to me due to emergency case operation is urgent and Surgeon told me for operation estimate and it was of RS-25000(Date[protected] and said it may also increase of RS 10000 More depend on the condition of patient after saying about the holder of health policy of you,
They replied me to deposit all the documents of health policy of Max Bupa Health Insurance they replied to my wife to come on next day and also said they will contact to concerned person of Max Bupa Health Insurance,Next day when my wife visited at Max hospital they answered that they did not get any reply from Max Bupa Health Insurance hence deposit estimated amount for operation.
When I did not get any co-operation from your staff I went to Tirathram Hospital Gurgaon (because my wife condition was serious) and at late night the Doctors of Tirathram Hospital Gurgaon discussed with the doctors team of Max Bupa Health Insurance team,and after assuring by Max Bupa Health Insurance doctors team that it is a claimable emergency case and operation sould be done,and operation has been done on[protected] and discharged on[protected] and after that I submitted all documents of both hospitals at your office by Speed registered post then I got a sms on my cell from your side that within 15 days claimed amount would be given to Pushpa Yadav and on[protected] I got a letter (claim no-39) and in this letter there was requirements of some documents,I have submitted all required documents but I got a sms on[protected] from your side that claim no-39 has been denied., on contacting with you the following reason has been said for denying claim-
1) The waiting period of 90 days not been cover
2) This disease can not be covered

But in your policy it is mentioned that for emergency case claim is applicable ,and it is not mentioned in your policy that the disease by which Pushpa Yadav was suffered is not cover in your policy and also not mentioned that case was not emergency.

I was cheated by your staff and your staff put me in the dark, due to your staff cheated behavior my wife has suffered very much and loss a huge amount .hence I request you that please look into this matter seriously and action may be taken for releasing my claim and it would be good for maintaining your company values and
Identity sir I am a good customer and if I would get the solution of my problem I would be your continuous customer and could advertise your company behavior to others.




Thanks & Regards


Sunil kumar
c/o-R.k Rao
H.No-111 gali no-1
hans enclave near rajiv chowk
Gurgaon
Ph no-[protected]

Max Bupa has started its health insurance policies with lots of FALSE advertising. Their claim of covering everybody whatever their existing illness is false. They charged Rs. 19,100 as premium before they could even issue policy for my mother. I had disclosed to them that my mother suffers from diabetes (initial stage) and had undergone knee replacement surgeries. They said they have to do some medical tests on my mother and after which they will tell what will be not covered for 4 years. They also assured everything will be covered after 4 years. They conducted medical tests of my mother and informed that we will be contacted within a week. I contacted them after more than 2 weeks after I did not get any response from their side. They asked for 24 hours time to get back and called me after 48 hours and told that their company has DECLINED the policy. I asked for the reason and they could not share the same with me and insisted that its company policy. The worst of all is that they are claiming to send a cheque of Rs. 16000 odd rupees and the balance they are claiming to be the medical test charges. Before conducting the medical tests, they have very clearly mentioned that medical tests will be conducted on the expense of Max Bupa and we did not have to pay anything.

ALL IN ALL ....A FRAUD COMPANY FULL OF LIES!!!!

PLEASE BEWARE!!!!!!!!!!!!!!!!!!