[Resolved]  OneAssist Consumer Solutions — oneassist consumer solutions insurance claim decision for sumit singh cust : 1312957 _ membership id: [protected] _ sr. no. : 1809375

Address:	Mumbai City, Maharashtra
Website:	www.oneassist.in

Copying this from past detail:

Hi team,

I bought an iphone on 20-sep[protected]/-) with an insurance plan covering accidental and water damage (Ma damage protection plan 15k-25k) with it from one assist worth rs. 1799/- (100% cashless).
I was told while buying the plan that in case of any damage i will have to inform one assist and they will take my phone and submit it to authorized service center and on the basis of estimation they will take further action like if the damage would be less than 80% then my handset will be repaired or if the damage will be more than 80% (Ber/total loss) then company would provide replacement for the same. (And no excess charges will be taken from me as it was 100% cashless service) and meanwhile they will provide me a courtesy handset.

So, after using phone for around 4 months and few more days. My phone fell on a floor in office in feb. Means accidental damage happened.
So next day i called one assist and informed for the same.
Now as per the process they told me to submit all the required documents on the tool and told me the whole process. And they clearly said that if it would be repairable, company will repair it else they will replace it.

So i submitted my phone to one assist (Delivery guy) but they did not give me any courtesy phone, for which i contacted them at customer care and they said request has been raised but till today i didn't get any courtesy handset.

Anyways. After some time i got a mail that service center has provided estimation amount as 22075/-. And now the approval is pending with insurance team.
After delaying for long, they arrive at a decision of paying me 15246/- as a settlement amount. And saying that market value is lower than invoice amount so they are giving me this amount after deducting 4750/- as depreciation and excess amount.
Also, they mentioned wrong detail in mail saying my handset purchase date is 1/09/2016 and date of damage is 27/feb/2017.

I am attaching invoice to show that date of purchase was 20 sep 2016 not 1 sep.
And date of damage is 27 feb 2016.

After asking so many time with one assist, they are saying it is insurance company decision and they can not do anything.

I should have gotten a replacement. I am not satisfied with this at all.
They have started ignoring my case and telling me either take money or your damaged piece.

They are trying to save their money by giving me this amount.

Please help.

Thanks,
Sumit