National Insurance Company Complaints & Reviews

Sir,

I ported my policy from ICICI Lombard to National Insurance Company Ltd. under policy no. 361700/48/12/[protected] about 5 months back... But I did not recieved any kind of information or I-cards regarding my policy due to which I am unable to get any of the facility... I send them 1000s of mails but I recieved no replies. I contacted agent whose agent code was 715 (Name : Rajeev K. Jain) but he also responded me properly.... I am very much depressed of it... Please help me regarding this issue as soon as possible...

Thank You...!!!

Hi All,

I have took policy from National Insurance Company Limited Dated on 25/08/2012.

Policy No :- 370100/48/12/[protected]

I have not recived the cards through which i can get cash less medical facility since inseption of the policy.

I called them on call center many times but they are not picking the call. I also mailed them many times for the same.
Whenever they pick up my call they say their software not working.

This is the condition of there services i dont know what is gonna happen If i file for complaint.

Regards,
Nikhil Khandelwal
M:-[protected]

Dear Sir,

This is regarding the Communication from National insurance company Fatehabad dated 12th dec 2012

The Car (Maruti 800 registration no hr22c2070) which is in name of my wife Vandana got stolen on 6th Au12 from Gurgaon which was parked in front of my house the FIR was lodged same day.
For claim settlement i submitted all the documents at the Division office Gurgaon Sec 31 on 13th Aug 2012. I received a communication from Fatehabad office stating that my claim is rejected as i did not informed the Insurance company on time. The reason why it got delayed for 7 days was due to the health problem as i was down with sever high temp fever during that time and Insurance company never intimated regarding this regulation. There is no such regulation/statement mentioned in the policy document stating that the customer has to report to the Insurance company with in 24 hrs.

Even i checked with the Branch Manager of Gurgaon office at Sec-31, they are settling the claims even after the intimation of 30 days.


As i logged the FIR in the nearest PS which is at Sec -40 on the same day of theft which is 6th Aug 2012 please take this into consideration and help me getting the claim settled.

Warm Regards,
Nitin Mehta
Mobile : +[protected]

Dear Sir,
Greetings of the day!!!
My Mother, Mrs. Neelam Bakshi, is enjoying the insurance cover from Oriental Insurance as per details under mentioned:-
Year Policy Number Assured Amount
08-09 222200/48/2009/140 Rs.2,00,000/-
09-10 222200/48/2009/161 Rs.3,00,000/- 10-11 222200/48/2009/233 Rs.3,00,000/- 11-12 222200/48/2009/134 Rs.3,50,000/- 12-13 222200/48/2009/399 Rs.3,50,000/-
She was admitted in Regency Hospital on 24/12/12 for the Total Knee Replacement, with the due information to the TPA (E Meditek). The pre approval of the claim was approx 3,30,000/-, as informed to us by the hospital. Later after 2-3 days the hospital informed us that the TPA has approved Rs.2,00,000/- only with the comment of Limit Exhaust.
Upon calling the TPA, we were informed the amount of the claim will only be as per the sum assured 4 years ago, and according to them it is from 08-09, i.e. policy number 222200/48/2009/140.
We had taken up the issue with the Insurance company and the TPA and after 4-5 follow ups, they had informed us that they will only accept the claim of Rs.2,00,000/- as per there clause, which is under mentioned:-
QUOTE (MESSAGE FROM TPA)
8 RENEWAL OF POLICY:
a) The Company shall not be responsible or liable for non-renewal of policy due to non-receipt or delayed receipt (i.e. After the due date) of the proposal form or of the medical practitioners report wherever required or due to any other reason whatsoever.
b) Notwithstanding this, however, the decision to accept or reject for coverage any person upon renewal of this insurance shall rest solely with the Company. The company may at its discretion revise the premium rates and / or the terms & condition of the policy every year upon renewal thereof. Renewal of this policy is not automatic; premium due must be paid by the proposer to the company before the due date.
c) The Company normally sends renewal notice but not sending it will not tantamount to deficiency in services.
If the policy is to be renewed for enhanced sum insured then the restrictions as applicable to a fresh policy (condition 4.1, 4.2 & 4.3 will apply to additional sum insured) as if a separate policy has been issued for the difference, subject to medical check up as per norms of the Company. The cost of Medical check up shall be borne by the insured.
UNQUOTE (MESSAGE FROM TPA)
Sir, I would like to put here that no such clause was informed to us at the time of the limit enhancement by the Agent or the by the insurance company. I am attaching the policy cover note along with, in which there is no such condition mentioned that what would be the upper cap to the claim amount in case of need.
From last 3 years, we are paying the premium on the sum assured of Rs.3,50,000/- and when there is the need, the insurance company is running from their responsibility by taking the excuse of the hidden clause.
Please look in to the same because we belong to a middle class family and had already spent around Rs.2,00,000/- additional on the treatment of my mother, apart from the claim amount. I would request you to consider the case on the top priority and guide us further.
With Warm Regards,
Amit Bakshi
+[protected]

I Aasif kureshi s/o sh Rafiq ahmed had a tvs Apache reg. no UP 17 E 8464 ,which is fully insured by national insurance .Period of insurance is 04 apr. 2011 valid up to 03 apr. 2014 whose policy no. is[protected]. I had a accident on 1 apr 2012 in which my bike was damaged and claim cost to Rs 17000 .From therewards i am regularly contacting to insurance company but they are not showing any serious regards towards my complaint . So please help me to get my claim amount .

Dear Sir

Subject Request for reimbursement of Out-Of-Pocket Expense vide claim id no. : 65979

Please accept my request as per your last letter dt. 10.10.2012 I received from your side due to illness was not able to reply your letter.

Regard my reimbursement of my mediclaim national insurance policy no 360501/48/11/[protected] and claim id (cid) 65979, by misunderstanding you find my negative outlook towards my disease. You said that my diagnosis is due to mental and behavioral disorders due to use of alcohol but kindly would like to inform you that i am not a drunker and no meat eater. Also there in no mentioned alcohol in the report of Dr. S. K. Tyagi (M.D) & Dr. Ashwani (psy) M.D all medication reports submitted by our side.

With this, I would like to ask you that please reimburse the amount that I had paid for the medication. I have attached the receipt and are hoping to hear back from your side regarding the request of reimbursement within the week.



Sincerely,
Name- Gaurav Malik
Mobile- [protected]
Address- WZ-319 tihar,
Opp. Ashok Nagar,
New Delhi -110018

I would like introduce my self That i am Salash Singh working with JK Tyre & Ind ltd where our organization has provided us group mediclaim policy. I have been paying premium on time for last 4 years for the first time when i submitted the medical bills The TPA (Alankit group) has replied that it is inadmissible due to pre existing disease and when i put a complaint and provided all the details through the doctor that Hypertension has nothing to do with the disease that my father was suffering i just got a reply that they are looking into the matter but its been many months and everything is going in circumlocutory manner. The irony of matter is that insurance company officials are not even able to reply about the status of claim.
Details are following
Name Salash Sing
Conatct no [protected] Policy no & Claim no is 354100/46/10/[protected]. and claim number is (NI[protected]

Date: 26/10/2012


To,
The National Insurance Company Limited
6, Lyons Range, 2nd Floor, Kolkata – 700001

Ref: Claim under Policy no: 101600/48/11/[protected]
Claim no: NI-6-92940

Dear Sir,

With reference to the above, and letter dated 10/10/12, I am surprised to note content.

Firstly. I sincerely regret of the allegation that there is suppression of material facts. In the year 2009, my age was 46 years and the agent did not ask me for any medical test to be conducted prior to the medical policy.

Moreover, in the discharge summary of RTIICS, it states” THIS PATIENT IS NORMOTENSIVE. IN THE INITIAL PTC REPORT SUMMARY HE HAS BEEN MISTAKENLY MENTIONED AS HYPERTENSIVE. THIS HAS BEEN SUBSEQUENTLY CORRECTED”.

On the basis of RTIICS report, my claim for cashless facility was rejected.
But letter when they corrected their mistake, then why National Insurance Company Limited is not accepting the facts. Is it not contradictory on the part of the National Insurance Co. Ltd.
Why is RTIICS, name included in GUIDE BOOK-NETWORK HOSPITAL LIST.
If National Insurance Company Limited does not have faith in the RTIICS, then their name should be removed from Network Hospital list.

Moreover, I am staying on the 3rd Floor of the building without lift for last 25 years, If I was hypertension patient or suffering from any type of disease relating to heart, then I would not have been staying here. This is my first instance that I have been admitted to a hospital/nursing home after birth.

I would like to bring to your notice that when Dr. Dhiman of GENINS INDIA TPA Ltd. Visited for clarification and finding, co incidensely Dr. Debdatta Bhattacharya and Dr. Debabrata Chatterjee was present. He did question the doctors about the cause of Mr. VINOY ARYA’s admission to RTIICE. The doctors clarified Dr. Dhiman that it was an accident which took place and can happen with any human being. Moreover, Dr. Dhiman was quite satisfied and assured me that please file the claim, it will be met.

I would request National Insurance Company limited, to get a second opinion from RTIICS and inform us immediately as the claim is nearly five month old.

In convenience caused is regretted.

Thanking You
(VINOY ARYA)
9/5, TALBAGAN LANE, ORIENT ROW, KOLKATA - 17

To,
National insurance company limited,


Dear sir,
I Nishant singhal had insured my new car from your company 2 month before.
My car (swift vdi-uk08 y 3163)is standing in maruti suzuzi shakumbri roorkee
service centre since last 10 days just after the incident.My car was slipped
into pit type which was full of rain water on 3/8/12.

Please help me soon otherwise i have to go for further step.(consumer forum)

Thank you for your this type of excellent service.

Your sincerely,
Nishant singhal
[protected]
Car no. - uk08 y 3163
Policy no. -[protected]

My National Insurance policy no. is 361300/31/08/[protected].

and my claim no. is 95.

I lost my bike 3 yrs back.Took me almost an yr to arrange for all the documents!
Its been almost two years now that i have send my documents and i do not receive any claim or feedback form the persons concerned.

I am in dire need of money. I want my money as my bike was insured.
Please help me out

M ParthaSarathi
[protected]

respected sir,
with due regards i inform you that i dharamveer chauhan 57 yrs.my insurance park mediclaim policy no is 361501/48/12/[protected].it is valid up to 02/05/2013.my father is suffering from cancer carcinoma.this policy is family policy for three members of rupees two lakh...........on 06/06/2012 admitted on rajiv gandi insitute of cancer and resarch sector-5 rohini delhi and discharge on 07/07/2012.i claimed of rupees 155950.i submitted my claim form 09/06/2012..but till now they do not give my money but give fake assured for next week..next weak...after this i claimed for rupees 20000 but thy rejected and say that insured person only take 50 percent.they said it is one disease.i[censored] want more..try another disease.so pls help in this case.we are very grateful for you.please help and obliged. please this case as soon as possible.
thanking you
dharamveer chauhan
phone no-[protected]
address-67 dhaka village,gtb nagar delhi 110009.

Dear Sir,
I hereby wants to register a complaint against National Insurance Company Ltd.,against my policy No.281302/31/11/[protected].
Against above mentioned Policy No.,I have insured my Vehicle Scorpio-STD-CRDE-9SIR from National Insurance Co..Company assured me to give NCB discount of 25%,after confirmation from the previous company from which the vechicle was insured (which was ICICI Lombard).
Sir I want to bring to your kind notice that this policy was made on 5/5/2011,but still now I did not get my NCB amount as assured.I went to the National Insurance office situated in Kamptee and met the Branch Manager Mr.Nagesh Burbure (cell.No:-[protected]).I told him the details but he treated me very badly and told me that it is not our duty to bring NCB letter from the previous company from which my vehicle was insured.
I also complained to IRDA.They also made efforts,but of no result.
Till date I have not received my NCB.Sir please tell me why should I suffer because of negligence of the company.

Respected Sir,
As per the letter dated 07th May 2012, I have received a letter no. GRI[protected] dt 16.05.12 from National Insurance Co. Limited against my Renew Policy no.[protected] whose copy is attached herewith , but till date no action is to be taken.
So, in this regard if you kindly take a necessary action I shall be highly grateful and obliged.
Thanking You in anticipation.
Yours Faithfully
Sudipta Kumar Paul
[protected]

I have purchase a car insurance policy(car no.DL3C AX3548) from your company in 11/01/2011.But at the time of Insurance the guy who came to Insure my car he only gave me the cover note[protected] and took the Insured amount cheque(163103 of Canara Bank) of Rs.4670 which was debited from my account.But till date i haven't received the original insured document from your company.Please provide me the original document ASAP.

Note:-I have a conversation with Mr.Manoj(Employee of National Insurance company of Govindpuri Branch)who told me that your car is not insured till date.So kindly have a look over this issue and resolve it as soon as possible before any problem occours.

Rajmani Yadav
Room No.12 IP College,
Shamnath Marg,Civil Lines,
Delhi- 110054
Mob:-[protected]
Mail:[protected]@gmail.com

hello sir
My name is rajshekhar hadapad
I m bhms student
I m gving nicl exam on 22 april 2012
I m in prblm that i cnt manage my time 2 gve exam bcos i got me 1st center choice i want 2nd center choice so plz provide me a 2nd choice center.in d form they were given 2 choice so plz dnt gve me 1st i want 2 choice center.not my fault it was company fault plz help me sir i m poor i cant manage my time 2 gve my exam plz sir thanks sir

I am not getting UTR No from National Insurance company for Fund transfer to Tata motor finance on Dated 09/03/2012 The amount was 4,95,355/- My Claim no is[protected] Dated 14/12/2010 Vehicle no UK 07AG 7876
Please let me know how I can get this
Regards
Aruna Sharma
W/O-Ganga Dhar Sharma
Ph-[protected]
[protected]@yahoo.com

sir,
i had insured vw polo with national insurance co. ltd. policy no.285201/31/11/[protected].
i met with an accident. no physical injury. contacted insurance co. and given intimation and surveyor checked before repairing and finally reinspected when vehicle repaired.
problem is that car dealer given estimate of rs 25000 and final invoice handed of rs 42000. now insurance company says they won't give claim money more than 25000 as of estimate provided. final invoice amount must be less than estimated provided.
please guide me.

Subject: Complaint: Insurance Claim for policy number. 271700/31/11/[protected].
Dear Sir / Madam,
This is with regards to my insurance claim on the above mentioned Car policy.
On the outset I would like to express my complete displeasure in dealing with your company for recovering my claim money for more than six months now, which incidentally is not still recovered.
I have been following up on the payment since July, each time I was given a certain commitment and not delivered. In the month of January when I called to follow up on the status of my claim, your office informed me that the cheque is ready and will be dispatched to my currant office address in Hyderabad. The Cheque was supposed to be dispatched by registered post. Hence, assuming it would take further 7 days more I called your office after 10 days and I was informed that, your records shows that the cheque is dispatched by registered post on the 5th January and should have reached me. It is very obvious that if I had received the cheque, I would have made a call to your office to thank them and not to ask them about the status on my cheque. I also went to the local post office here and reconfirmed whether they have received any post in my name. However, the search was all in vein. Now your office assumes that the cheque has been lost in transit and wants me to send a letter of Indemnity on a Non judicial Stamp paper and send it to your office by only post which they will start processing my payment through electronic transfer, which in turn will take another 15 days more post receipt of the indemnity bond.
Out of sheer frustration I have complained about this on your website under the Grievance tab, to which I yet have not got any response. Hence, I got even more frustrated and complaint on the consumer forum website, which was again not responded to. Hence, I am now completely convinced that you are a very cash rich company and do not really care about customer service and their sentiments. It is also obvious that troubling customers for their claim till the customer gives up finally would have been a contribution for you to become a cash rich company.
As spoken to you, I have no choice but depend on your mercy and hence, I am sending the indemnity bond with very less hope even at this time to receive my claim.
Well it is needless to mention that I will not dare to recommend your company for any of my family, friends or corporate clients as unlike you, I am very concerned about my reputation and would not like any one to blame me for any incident s that happens with them such as mine. I would rather propagate my experience to all of them so that they know as to what reality they would go through in future.

A Simple way to cheat the 13 year old Customer . A claim worth 3.3 Lakhs is only settled at 1.47 without justification. The TPA is considering the knee problem as pre-existing

The Company provides no policy details at the Time of issuance of Policy. Also Mr Grish at RO, Jhandewalan advised to Senior authorities as he cannot do any thing in this regards. also he said that he cannot send the detailed policy with every cover note.

Dear sir

I Vikash tyagi R/O 14/869 Mondloi Ext. I was one bike No. DL- 7S AY 2918
The same bike stolen out side of my home on dt. 20/07/2011. And complanit
loged in my harsh vihar p.s. And also Submmit National Insurance Company Ltd.For claim with all nessary docments on aftter 15 days from stolen bike but till date.
We have not receive my claim from National Insurance Company.I request to You kindly look into the above matter and do the needfull.

thankig you
your sincerely
vikash tyagi
[protected]