[Resolved]  OneAssist Consumer Solutions — Fraud mobile insurance company

Address:	New Delhi, Delhi, 110008
Website:	www.oneassist.in

My phone MI Max Prime was under insurance of OneAssist against physical and liquid damage. Its touch screen broke accidentally for which I claimed for repair under insurance. Other than broken screen phone was working normally. I was able to use its power and volume keys. They kept it for more than 20 days. Now they have rejected the claim saying no proper care was taken to safeguard the handset. Today I recieved the unrepaired phone. On opening the parcel I found the phone more broken. Its power key and volume keys are damaged and phone is slightly opened from that side. It was not before when I gave for screen repair. Looks like it was opened or tried to open.
1. Now if proper care was taken it should not have been broken in first place. What kind of coverage they provide if its not accidental damage? Accidents happen because of lack of caring.
2. Why they kept the handset so long if they had rejected the claim?
3. If the claim was rejected why it looks like it was opened or tried to open which caused the additional damage that was not before? How can I be sure the original parts have not been replaced?
4. What circumstances are there when a phone can broke even after proper care? If there is such example then any incident can be stated as lack of care. Its just contraversial.
This company is fraud and should be brought to justice. They are just making money on the name of insurance premium but not repairing them. No one else should suffer from this company's fraud.