National Insurance Company Complaints & Reviews

To,
Branch manager, national insurance co ltd date : 08/06/2018
Nagaon branch
Subject : non payment of nagaon surveyors fees by nic, nagaon branch.
Dear sir,
We the surveyors from nagaon are highly aggrieved for non payment of fees from last several months. We have requested you verbally several times, but nothing has been done till now. The surveyor fees are pending whereas concerned dealer or insured payment done. Further we have come to know that claims are registered at the time of claim payment in all the department. We all surveyor once again request you to make payment of all pending fees in any department within 23/06/2018 failing which you are forcing us to recover through legal suit & in that case you & concerned department personnel will be personally liable for payment of mental agony, due interest for delay along with survey fees payment. We once again request you to make payment of all pending fees as per pending list of individual surveyor attached. We further request you to stop this type of claim payment where surveyor fees are non paid. If you are not willing to pay then please reply that fees will not be paid. Payment of fees in a decent away are awaited by following undersigned surveyor till 23/06/2018.
Yours surveyor
(1) prakash kumar agarwala (Mobile [protected])
(2) shankar sarkar (Mobile [protected])
(3) budhin saikia (Mobile [protected])
(4) shymal sarkar (Mobile [protected])
Copies to below: for strong action, so that such non payment of fees are not repeated again.
1) general manager grievance, h. O.
2) general manager vigilance, h. O
3) general manager accounts
4) crm, gro
5) manager, accounts gro
6) motor hub, gro

I start my mediclaim insurance policy on 5th oct 2016. I am hospitalized on april 2018 for some pain. After 2 days stay at hospital. I submit my claim. But they are told that claim not acceptable. I have all report and all bills during hospitalized. Please advise accordingly. What to do to get the reimbursement, i want to lodge my compain against national insurance

I pay 20000 premium a year for my car.. The procedures of this company takes more than 30 days to have my claim done. And the surveyor mr. Manik reddy from bangalore kormangala branch.. Is a kind of person who never talks in a good manner.. By the way he talks seems he is above 50. This man lack manners to customers. And the kormangala branch peoples are not even concerened about these things. They wont even reply for mail. And never provide the liability worksheet. If we call and ask they just cut the call.. Or else they will tell they dont have time for this.

Sir, My wife as deceased had taken PMSBY policy with STATE BANK OF INDIA, COCHIN SHIP YARD BRANCH, COCHIN KERALA account no [protected]. I have submitted all the claim related document in the concerned bank branch on 11.04.2018 and according to bank bank has submitt all document to concerned national insurance company for settlement of claim till date claim is not settled. At this stage neither bank nor national insurance company provide status of claim
I have submitted related documents to the concerned branch STATE BANK OF INDIA, COCHIN SHIP YARD BRANCH, COCHIN KERALA on 11.04.2018 such as copy of fir, post martem report/ puchnama report statement of account from which the insurance amount deducted, beneficiary
Detail along with account number and kyc document, claim from as well beneficiary kyc document and all other formalities/ document require by branch at that point of time. It is request to you please look up the matter. I shall be highly thankful to you for your immediate action
beneficiary kyc documentand all other formalities/ document require by branch at that point of time. It is request to you please look up the matter. We shall be highly thankful to you for your immediate action

Dear sir

I am the former director general of the corps of army air defence in the indian army having had the honour to serve the nation for 44 long years in uniform.

I wish to bring to your kind notice the case of my brother, shri pradeep saxena who is a cancer patient and whose genuine and just claim, duly supported by high-end medical advice has been unethically rejected by an insurance company.

The unfortunate outcome of this rejection has been that a cancer patient is still awaiting proper treatment.

I had initially taken up this case on 13 apr 18 with the office of the insurance ombudsman located at jeevan bhawan phase 26th floor naval kishore road hazarat ganj lucknow226001.

The above office has advised me that the case is to be first presented to your office.in case i am not satisfied by your decision or no response is received from your office within one month of this letter (E-mail), then i can approach the office of the ombudsman as quoted above. (A photocopy of the reply received from the office of the ombudsman is enclosed please)

As advised, i am therefore presenting the case to your good office

The salient points of the case are briefly enumerated below

• shri pradeep saxena is a case of hurthle cell carcinoma thyroid who has got the left half portion of the thyroid surgically removed on 09/02/17 to avoid spread of cancer (Post hemithyroidectomy).

• shri pradeep has been under the insurance cover of _ for the past _ years. He has regularly paid all premiums year on year without a single default. His policy details are as under
O policy no[protected].
O tpa - vipul medcorp insurance tpa private limited
515 udyog vihar phase v gurgaon 122016

• towards the treatment of the above medical condition, a doctor of the stature of senior director nuclear medicine services at max super speciality hospital saket, advised on12 mar 18 that a 100 mci high dose 1-131 (Radioactive iodine) is required to be administered to the patient since the previous dose of 30 mci of radio iodine was insufficient since the scan shows a functioning thyroid tissue in the neck. (Copy of the letter fro the doctor is enclosed)

• since the persons administered the above doses emit radioactive radiations, the atomic energy regulatory board (Aerb) has laid down in its guidelines that patients being administered doses higher than 30 mci will have to be admitted and will only be discharged when the radiation levels come down to permissible limit (50 usv/hr at 1 meter distance) this is to avoid exposing other persons with harmful radiations.

• since in this case a high dose of 100mci was to be administered, the doctor advised admission for 1-2 days

The claim prepared by the patient has been denied by the tpa.

And since the patient does not have enough funds to pay up front, he is suffering without treatment

Please consider the following facts
• a dose of 100 mci has been considered inescapable by no less than the senior director nuclear medicine services max hospital.

• 1-2 days of admission is a must to avoid exposing other people from harmful radiations. It is not a luxury. It is a must.

• since the patient does not have the funds to spend upfront he is without treatment.

In the light of the above, may i request you to please consider this genuine claim and direct the insurance company to allow the same up front.

I shall be grateful to you for this act of kindness please

Address of shri pradeep saxena for return correspondence

Shri pradeep saxena
Mob [protected]
E mail - [protected]@yahoo.com

Postal address:-
Flat no 405
Udaigiri towers
Kaushambi
Ghaziabad pin 201010

Yours sincerely
General saxena

I had purchased insurance policy from national insurance company for my

House hold goods. My tv was not working and require to replace the parts.

Surveyor from the company had visited my residence along with tv

Mechanic the estimate repairing cost was said about 2500 to 3000. The

Final bill for rs 2750 paid by me to mechanic in dec/jan 2018 the

Insurance company has after several reminders with branch and their

Superior i rs 1500 credited in my a/c on 28/05/2018 i had requested

Branch to clarify for less amount of claim but did not reply satisfactorily

Let me know the calculation for less amount of payment to me

Branch boriavi office code 316001 dist anand gujarat

Ramesh shah mobile [protected] [protected]@gmail.com

On 21.4.2018, myself the primary policy holder of the health insurance policy no. Gini o[protected], was operated upon at apollo gleneagles hospital, kolkata to remove the implants (Two titanium plates and fourteen numbers of 3"& 2" sizes screws) from my right leg as i was not feeling well with those foreign bodies within me. Those implants were inserted during bone grafting operation at my right leg in the year '2016 to repair a comminuted fracture after an accident. This time, before going for operation, the treating surgeon informed the genins tpa by e mail that the implant removal operation would be a complex one which can not not be considered as a mere package deal and cost incurred should be taken into account accordingly. But, it is a matter of regret, despair and a feeling of being cheated that the genins tpa has made my well documented and valid reimbursement claim of rs. 139000/- into a final settlement of rs. 37000/- only as per a package of rs. 30000/-. Although, i have written at genins grievance with a protest against such irrational and whimsical claim settlement, nothing has been informed to me till now.in view of this hereby i am requesting you to please intervene into this matter so that justice can prevail in favour of a genuine patient and policy holder.

I Ram Murthy ([protected]) was driving and accidentally My iPhone fell on the busy road a car accidentally drive on the iPhone and the display got damaged on 27/04/2018 around 9.00 PM at outer ring road Balladur and when I went to claim the accidental insurance I was declined stating as willful neglect, My CRN No: 260200/29458/17/[protected]. How can some one willfully trough the phone below a car that too when I have paid 70K on a phone and additional 3k on the insurance. I tried to talk to the ample or the icare customer care they repeatedly declined my claim stating willful neglect.

I am holiding the above policy for more rhan a decade. Recently i renewed the policy no[protected] and bank of baroda mylapore branch has issued a banker's cheque no no287208 dated 03 03 2018 for rs7434/_towards premium for the year 2018_2019.in spite of continuous followup with mr purushothkumar tswho is taking care of health policies in chennai i have not received my policy so far. I also send an email to 500200 and mr purushothkumar ts requesting atleast send a letter acknowledging renewal details to enable me to claim benefit under 80 (D) and send me id card if they couldn't send the policy. But no response. I thnk he is not inyterested in giving customer service. Kindly arrange to send the renewal policy. At an early date.

Sir at last year december 2017 i already gave every document that our surveyor requirement from me, what was possible for me i gave him. But till date 24.05.2018 running five months ago company don’t settle my claim amount. They are commitment me at february 2018 settle the claim in that month. But running three months ago they gave me date after date but nothing to happen. Kindly help me.
Policy no - 153902/11/16/[protected]

To reapected sir,

A. Laxman from pollachi

This is to bring to your notice about a insurance company of which i was a customer and i used to pay a premium as well from national insurance company branch pollachi,

Now i had applied for a claim for a shop insurance in 2006 for a cover of 3 lakh rs
Of which i got a approval of only 1, 20, 000rs.
Now after paying all my premiums on time and being a good customer
Firstly my claim was delayed by nearly 2 years.
And the amount that i was promised of 3 lakhs was nearly half the amount that was being given to me and then i had only 15 days notice to claim that
Of which those 15 days were finished in contacting the customer service itself who were denying me the entire amount that i was promised which is 3 lakh rs.
Now these sales people from the company are either giving false promises for a lead in their work targets or the company is telling them to lie to its customers at that they can attract false leads and dupe the customers of money or this could be a scam or else a fraud that is running in this company.

Now it's been more than a decade me fighting alone for my insurance and i am really tired fighting fory own money
As from 2006 and now it's 2018.
I even went to the court and wasted so much time and money then as my shop got burnt for which i applied for insurance claim i could not start my business again.
Have been unemployed for so many years as well.
Now i really need some help as these people are taking it for granted
So my request to you is to please firstly provide me the insurance amount back and then the interest fit do many years and also an alimony for these people harassing me over the phone as they use to directly cut the line or keep me on hold for a long time that i must get frustrated and hang up.
Request you to please look into the matter
Find the attached copy of claim copy i was received, that amount was not sufficent
Policy details are.
Policy number [protected]/2007
Claim number [protected]/2007
Address: a. Laxman, 254/110 a, a. C. M. A complex, raja mills road, pollachi-642001
Coimbatore, tamilnadu
Contact : [protected], [protected]@gmail.com

Thank you

A. Laxman

Insurance regulatory and development authority
Parishrama bhavan, 3rd floor, basheerbagh, hyderabad: 500 004
Policy holder complaints registration form
(Separate forms to be used for each complaint)


1. Name of the complainant: manoj mrig, atul sharma, nikhilranjan dave,
2. Address of the complainant: fortune pharmaceuticals (India) pvt. Limited
Epip, kartholi, bari brahmana, jammu-181133.
3. E-mail/telephone/fax md:
Manoj mrig,[protected],
[protected]@gmail.com
Ed:
Atul sharma,[protected],
[protected]@technomedindia.com
Works manager:
Nikhilranjan dave, [protected]
Nrd. [protected]@hotmail.com
4. Whether individual /company company/other entities..
5. Name of the insurance company: national insurance co., ltd.,
6. Address of the servicing office/branch branch code: 351800
With office code (If available): national insurance co. Ltd., division-28,
Palika bazar, r k puram, new delhi,

7. Policy number/proposal deposit number: 351800/11/1j/[protected]
From 26.11.2015 to midnight 26.11.2016
8. Nature of complaint: (Please tick) non-life,
Fire insurance
(A) against company, claim related
(B) non-settlement of claim
(C) non-payment of claim
9. Claim no: not given to us
10. Details of complaint
(Including details of document copies attached):

Fire broke out in our factory on[protected]
Fire broke out in our factory m/s fortune pharmaceuticals (India) pvt. Ltd. Causing huge loss of building machinery & stock. The information regarding the incident was reported to the national insurance company and their surveyor mr. R. K. Makkar has conducted the survey job, and as per their requirement we have submitted almost all the documents which includes, estimate of repair of building, paint, electricity etc., recent balance sheets, estimate of machine repair etc.

In spite of the fact that we have cooperated with the insurance company in all possible means, but even after one and half year after the incident no claim is given. And we are forced to even keep the damaged goods till date, although the same has been checked and surveyed by the surveyor.

We have incurred a loss of more than rs. 1 cr and as on now we are in short of fund to run our factory smoothly. There are 20 -25 employees which are working with us and any further delay may lead to termination of their services due to non functioning of the factory.
We had even requested the insurance company to release some interim payment so that normal operations in the factory can be resumed, but the insurance never responded. We are incurring daily/monthly loss due the salary payments and daily expenses.

We are in great financial stress right now and losing confidence in the functioning of the public sector companies for their delay tactic approach. We hereby request you to kindly intervene in the matter so that our trust in the govt. Regulatory authority.
Enclosures:
1. Policy document copy,
2. Communication details
3. Chat with nic support agent for grievances link non availability.
4. No guidance to file complaint in grievances by support agent.

Signature
For fortune pharmaceuticals (India) pvt. Ltd.,

(Nikhilranjan dave)
Authorised signatory

My truck was stolen on 6th march'18 from bansgora under khejuri p. S, east midnapur. I then & then lodg g. D at khejuri p. S and informed nic contai office after that all paper works has been completed.in the basis of my personal search i found the vehicle on jalpaiguri and local kotali p. S took the vehicle under their care. After that all realsing process has completed and found all tyres, rim, battery were missing. The investigating officer mention this in his report.in spite of all there the b. M of contai does not care to release the claim. He demand police report but i. C of khejuri p. S tell us he already submitted the report on contai court if nic contai branch need it they collect from court otherwise if nic contai branch write a letter to khejuri p. S they will give a letter with missing items but b. M of contai branch does not agree to write such letter.in the circumstances my claim is left unsettled yet.

Hello sir,

My father met with a road accident and died last year in the month of august. We filed a claim application with all the necessary documents like fir copy, death certificate, post mortem report, final police reports, identification proof and address proof. Now the insurance company is asking for forensic pathological reports but, any such reports were not provided to us along with other reports. We submitted an application requesting for this report to the police station saying that the insurance company demanded this for settling this claim. They denied to reopen the case saying it is a crystal clear hit and run case and on spot death happened.

Please help us as we are helpless in this matter.

Respected sir/madam,

Regret to inconvenience for not available of your branch office at amalapuram, east godavari, andra pradesh.

Regarding my accidental policy, since last 08 months back i am gone accident.

Please consider and approve my clam and send address of nearest branch office for further communication.

This is my humble request to your good self

I mayank kumar having corporate policy no-100600/50/16/[protected]protected) of national insurance company regrat to infrom you that i have summitted all original document to Paramount TPA and claim process has been completed and approved by TPA, but still the payment is pending more than 5 month and TPA is saying that they have sent my claim file to national insurance company before 5 month and national insurance is making delay my payment posting, while i tried to approach both UIB broker and TPA last 5 month they are responding my call and email, i am waiting for my two payment rs.16408, and rs.21621

FIR NO[protected]B
FIR NO[protected]C
EMPLOYEE ID-SDC 2758

I dipak moy banerjee having a policy no - 154601/48/16/[protected] of national insurance company regret to inform you that on 5th march 2018 cheque no 6 of rs 9273 debited from my a/c xxxx5635 of bank of india garia branch. On 26th march 2018, an amount of 9293 was debited from my a/c.
Till date, i have not received my policy. God knows when i will get my policy. If this is the state of affairs in your company i am afraid i would think twice to continue with your company.
My wife fell down at my residence on 13th april 2018 and she had to undergo a surgery. But in spite of paying the premium, she was deprived of the benefit of mediclaim from your company.

My name is Mali DIpak
i have Mediclaim Policy file submit dated:-04/12/2017 fot mdindia Health insurance -ahmedabad Office
mebership no

Complain No:-MDI3734685
POLICY NO:- 301800/48/16/[protected]

: claim no.T[protected]

how many days do i have to wait.my claim was for about 22710+819
something.. I dont have any other Agent,

may be 0-12 time visit your Office, 3 tmes submit document.

Please tell me how many time for Claim amount pass.

Sir/madam
Staff are not issuing polices on time because of that i losing my customer. They coming by 10.30 and having there food for long time. We are waiting for long time if we they will tell we cannot issue it fastly you should wait. Like that if customer came with policy for renewal to office they are sending them to other insurance company. Thare are not putting policy. It is mainly happening in tambaram office chennai region.

I have submitted all original documents to Park Mediclaim TPA insurance comp.. And they submitted to you 3 months back. As per checking with TPA, claim process has been completed and approved from TPA side, but still the payment is pending for more than 3 months. TPA is stating that they have sent my claim file to National insurance before 3 months and national insurance is making delay in payment posting. While i tried to call both TPA and national insurance for the past 3 months but no one is picking up the call and responding. Actual claim intimation date for the said claim was on july 2017 and it is pending for almost 10 months.

Claim NO: NICMRO-3/13853
Patient Name: Sowmya S.
Policy No: 240401/50/16/10002323

Also screenshot from TPA website is attached for your reference.
Kindly do the needful at the earliest.