[Resolved]  Max Bupa Insurance — Policy Upgraded without my approval

Address:

Gautam Buddh Nagar, Uttar Pradesh

I have taken max Bupa health Insurance policy in July 2011. My customer id is 49778. In the first year, my total premium for Heartbeat gold policy (5 Lakh+15 Lakh) in which my wife and myself were covered was Rs. 15, 180. In the second year I made a premium payment of Rs. 15, 699 for the same cover. In 2013, I had requested inclusion of my new born daughter and the premium subsequently increased to Rs. 22, 087. Now, next month my policy is up for renewal and today I had contacted MaxBupa's customer care to know my due premium this year. To my shock, they have increased my due premium to Rs. 26, 400 (approximately). This is a steep increase of about 20% in a single year. On being asked about the reasons for such a steep increase, I was informed that my policy has been automatically upgraded which requires me to pay a higher premium. My complaint is that I was never contacted about this upgrade. The customer care says that they have sent an email 90 days back informing about this upgrade. I am sorry but I did not receive any communication from maxBupa intimating about this. If at all they have sent, it must have been some email that looks like a promotional mail. Even so, why was my policy upgraded without my consent? I joined MaxBupa after assessing a plan vis-a-vis its cost. A nominal increase in premium is understandable but such a steep increase is incorrect. I do not want the associated benefits that the company claims to provide with the upgraded version. I am not ready to pay that extra cost. Why is it being enforced upon me? Why do I not have the option of retaining my original version of plan? This is brazen cheating and creating a lot of issues for me as I now have to look at options that provides desired benefits at the costs that fits my pocket? Will the Max Bupa Insurance company ensure that my concerns are heard? I hope for a reply from you and a positive redressal to my grievance. Else, please consider that a three year old relationship with the company will be finished. Regards Anuj Kumar Singh