Oriental Insurance Company Complaints & Reviews

Hi Concerned, This is with reference to the policy no as mentioned in the subject line, I need to know the complete status/release of the claim amount. Case History : As far as the matter is concerned, my bike (Vehicle No UP14-BF-5842) was stolen in the night of 6th April, 2012. Due information was made to the local police station and a complaint was lodged. there was a certain delay in registration of FIR but that was not purely from our end, It was a legal delay as stated to me by the ploce official. Information about the lost of vehicle was also reported to the Branch Office : Matrix Sqaure, 2nd Floor, 54A, Model Town West, G.T. Road. Ghaziabad. As the legal formalities were taking time, we had duly made visits to the branch office and was given assurance that let the court issue the FR and asked me to submit the same, thereafter the claim amount will be released on priority. I was also assured that the policy will not lapse and will reopen once i submit the FR copy duly issued by court. Now its been almost a year, since I have submitted the FR copy but there is no such speedy process of the claim amount. My repeated attempts to receive the claim amount end with a status "POLICY UNDER PROCESS". Am in receipt of letter as attached asking me to furnish replies (1. Why the bike was parked in the open ? 2. Was the bike guarded or not ? 3. NCRB Report (Latest Updated) ? ) First of all I would like ask few questions to you officials. 1. Where were these questions when the lost of bike was reported and the case was under judicials ? 2. Entire case has been investigated by the police officials and the proper FR is being issued by the honourable court, then how come I am answerable for all these questions ? 3. Could anyone in the system justify why the delays happening in the legal formalities ? All I can say is that my father has visited the branch office and submitted entire set of documents as asked by the branch officials for claim process, and would like to receive the claim amount at the earliest. Also would request you to update when am I supossed to submit bank details for the release of claim amount. Please do not process the claim amount in the account no from which the ECS of the policy was getting processed.

POLICY NO :- 143900/48/2015/4181 NAME :- PRAFULCHANDRA R PATEL ADDRESS :- D-6, SHANTINIKETAN AVENUE, RAIYA ROAD B/H AALAP GREEN CITY, NR INDRAPRASTHNAGAR RAJKOT - 360 007 MEDICLAM INSURANCE RS.3, 00, 000 [ THREE LACKS ] POLICY ISSUE DATE[protected] BUT NOT MY CASH LESS CARD 4 MEMBER PL REPLAY THANKING YOU

i abhilash.mj would hereby like to inform that i had purchased a mobile phone policy no.421704/48/2015/695 vide invoice RTN-5366 dated 13/01/2015, bearing IMEI no.[protected] and Make micromax canvas a114 2.2 BLK . The said mobile phone has been stolen on 23/04/2015. Brief Description of incidence: I had gone to the xerox shop near Ambedkar medical college road opposite to Manjushree hostel, shampur, rtnagar 560032 and had placed my phone on the table and some culprit has taken away my phone without my knowledge. On calling my phone number [protected] after this incident the sim card has been removed from the respected phone conforming that this is a thieft. I have blocked the SIM card with the help of the TATA DOCOMO service provider immediately and informed the D.J.Halli police station, Bangalore city and have lodged a complaint and received a reciept from the police station as well conforming that the comptaint had been filed. In respect of the subject loss, i hereby agree to transfer all my rites, remedies in respect of the above said Mobile to THE ORIENTAL INSURANCE CO LTD, BANGALORE I hereby declare that all the information /details furnished herein are true to the best of my knowledge . thanking you, Abhilash .mj Adress:no 2.9th cross, 1st main road, c.l.ramaiah l/o, shampura, rtnagar, bangalore-32 contact no[protected]

Dear Sir. With reference to above subject want to state that my claim which is pending since last six months from your estimrd organisation without any response, Called your good office thousand time but in vain, As my car is in loan I am incurring huge losses in form of interest.We have also contacted your branch getting response that we are having thousands of file you are mot the only one. So I request you expedite the same at your earliest. REGISTRATION NO UP 14 ET 1088 POLICY NO 252400/ 31/ 2014 /19581 Thanks & Regards Praveen Masand [protected]/[protected] p.[protected]@gmail, com

Dear Sir, Policy Number: 261600/48/2014/2598 Policy: PNB-ORIENTAL ROYAL MEDICLAIM POLICY Insured's Name: MRS. ISHWAR DEVI W/O SH. SANTLAL. Claim Number: 10942978 Claim Amount: Rs. 49964 My Mother was hospitalized on 26 Feb 2015 for female gentle prolapse and discharged on 03 March 2015 and I had submitted all the original medical bills and necessary supporting documents to the TPA for mediclaim. After submission, I got the Intimation of the refusal of the Claim citing some policy terms and conditions. This was not a planned surgery as we came to know about this unfortunate disease last month only and doctor advised for immediate surgery. At the time of the policy purchase, no one has told us such terms and conditions, instead we were told that all diseases will be covered. We are having medical cover for such unforeseen medical problems, if such problems are not covered then for what we are paying premium every year. Besides, my mother was insured under the Oriental Insurance family floater Policy No: 261600/48/2013/1599 in FY[protected] as well. After my marriage we decided to buy separate policy for them. I request you to review my mother case and consider it for your kind approval. Regards Deepak +91-[protected]

Dear Sir/Madam, My sister had lost her husband on a Road accident in Purullia in 2010. Motor Accident Claim (MAC) was lodged in favour of Champa Sarcar (wife) and Others. Puruliia Tribunal ordered in favour of them for an amount of approx. 28 lakhs on Aug-2014. But till date she has not received the money. In the meantime, my sister (Champa Sarcar) was detected for Brain Cancer (Glioblastoma Multiforme (GBM) tumor) and operated in Sept-2014. She is having only one daughter studying in Engineering (4th year). In this circumstance, you may understand that my sister (Champa Sarcar) is going through big trouble and shortage of money. Therefore, please look into the matter and arrange to pay her immediately. Details are given below for your ready reference. Party : CHAMPA SARCAR & OTHERS CASE NO. 34/11 Area : PURULLIA, WEST BENGAL Contact Address : (0) [protected] e-mail : [protected]@gmail.com Thanks & Regards ARUP GHOSH (brother of Champa Sarcar) [protected]@gasco.ae

Policy Number : 423200/48/2014/877 Type : Individual TPA : GHPL Claim Number : 3819 My mother was hospitalized in Feb 2014 due to heart stroke and she balloon angioplasty . I submitted all the medical bills and supporting documents to the tpa (GHPL, Bangalore) for the medical claim processing. After submission, I had to keep on chasing them to get the status of my claim . Later they mentioned claim got rejected due to "Pre-existing disease". Not sure, how can they conclude like that. When I escalated the issue to the higher authorities, they asked me to submit supporting documents ( supporting no PED). Again I submitted the supporting documents ( from the Hospital) saying there was no pre-existing disease. I didn't get proper response for the next 3-4 months. Whenever I am calling them, either they are telling "No updates yet from the insurance company" or "claim got rejected". More than 1 year, I have been chasing them and pathetic experience .

Dear Sir / Madam, This is in reference to above subject claim settled on 20th Feb 15 through Dena Bank with an Amount of Rs. 35000 against the claim amount of Rs. 50863 which is short amount by Rs. 15863. I wish to bring your attention as below : ( 1 ) Up on renewal of my Policy I have been given 3 Pages Renewed Policy and where in no clear conditions with specified subject treatment and claimable amount for the same treatment. ( 2 ) Even in my intimation to GHPL to register my claim prior to operation, I have mentioned the package of Rs. 50000 for Left Eye Cataract operation would be charged and the claim of same amount will be filed to ORIENTAL Insurance. In reply, I received only a claim form and no alert to notify me about the charges will be settled for the same . ( 3 ) I had under gone operation in August 2011 for Right Eye Cataract Operation with same Doctor in Same Hospital under Rs. 50000 Package and your office had settled with the full value. Up on my approaching to Oriental Insurance Borivali Branch with guidance of Mr. Nawal Singh Oriental Head Office, I have been replied that Reasonable & Necessary Expenses claimable which are pre agreed by Net work Hospital & TPA will be approved for claim. This information is remain with in record of TPA and Oriental Office, The specific amount is neither given with policy conditions nor is informed during our intimation reply even after my declaration during the intimation of my wish to go for operation. The information regarding Reasonable & Necessary Expenses pre agreed by Net work Hospital & TPA kept silent with in the respective their own offices and not informed to Policy Holder so that every time they can dispute the claim and settle with short payment with declaring under Reasonable & Necessary Expenses, which is quite obvious. It is shocking to me that the amount is deducted with no fault of mine starting from handing over to me with Renewed policy in which no declaration of current deductions in our claim bill plus no alert from GHPL in spite of my prior intimation during registration of claim. I have taken the Medical Insurance Policy with a maximum claimable amount of Rs. 6 Lacs and for the betterment of my Health with proper medication plus to avoid any re occur the same difficulty. I have spent money Rs. 50863 for my operation which adds medicines bill prescribe to me and would like to request you trusting that you would assist me for the reimbursement of balance amount of my claim at the earliest. Thanking you, Yours Sincerely, Hemant Panchal B206, Borivali Adinath Apt., Saibaba Nagar, Borivali West Mumbai 400092 Mob.No. 91 [protected]

I am Subal Chandra Sarkar, a retired person, I was associated with Oriental Insurance since 1983 and had regularly paid for my house/property insurance since then. Unfortunately a big theft took place in year 2009, which took away all my hard earned valuables and I was forced to start from scratch. I have timely submitted all require docs such as FIR copy, court order, application, receipts etc, but still have not received a single rupee against the claim. 5 year have passed by and i am still struggling to get my dues. I have made several verbal and official reminders at their local basirhat office and kolkatta office, but all proves to be invain I am very much disappointed after so much of tedious reminders and follow-ups with Oriental Insurance.Plz intervene and look into the matter. Regards, S C Sarkar [protected]

dearsir i have your medical policy since last so many years also my wife shanta jain, sanjayjain, saurabhjain all are holding mediclaim policy since last so many years. but now we found the the working of youe company is going doun.the above policy holder is with your east punjabi bagh handle by mr sanjeev malhotra. due to not getting proper action i had closed my wife policy and also want to closed my above policy.the reasone is that your...

Carrier Legal Liability Policy No. 242404/48/2014/468 Total Sum Insured :- 110000.00 One Lac Ten Thousand Only Premium Amount :- 12045.00 + Service Tax 1489.00 Total Premium Amount :- 13534.00 Please See our Policy ducoment and clear that this Premium Amount is done for total sum insured amount 110000.00

Dear sir, We have taken pnb- oriental insurance Floater policy of Rs 5 lakhs from PNB Borivali west branch. This is our second year of policy. We have paid the renewal premium of Rs 6830. but still till date we have not receive the id card. Policy is taken in my father Name Urmila N pancholi and my mother name Urmila N pancholi. policy no is 131102/48/2015/5470. .policy period is 11/12/2014 to 10/12/2015. Please do the needful. Without id card we wont be able to make claim or intimate insurance as we dont have this details. my contact no is [protected]. my father contact number is [protected]

मेरी गाडी (sumo victa) का Policy No.332903/31/2015/456 है जो NILAMBER NAYAK के नाम से Insured है का Date : 30/11/2014 को सुबह 8:15a.m में Accident हुआ ! उसी दिन Agent ‘’ASHOK” को (Mobile No. [protected]/[protected]) खबर करने पर भी कोई ध्यान नहीं दिया गया उसके बाद Manager (Mr. O.P. Gupta) को भी उनके मो. न. [protected] पर सूचना दिया पर उन्होंने भी कोई ध्यान नहीं दिया अत: मैं मजबूरन आपने गाडी (sumo victa) का मरम्मति करानी शुरु कर दी ! मैं इस उदासीनता पुर्ण कारवाई के खिलाफ कारवाई चाहता हूं ! - निलाम्बर नायक उप मुखिया कोचेडेगा/सिमडेगा(झारखण्ड) [protected]

Sir, this complaint is regarding insurance transfer Oriental Insurance Motor Policy No 441400/31/2015/5649. Originally it was Maya Suresh who got on 12th December 2014 the Policy with a) P. A. Cover under Section III for Registered Owner Cum Driver (CSI): Rs. 200000 and with b) Insured's Declared Value Total Value 1, 60, 000. After Transfer into my name the Policy shows under P. A. Cover and under Total Value Rs. 0 and I am complaining against not transfering me the 'full coverage' but only 3rd party. On Monday the 19th January in Oriental Insurance Branch Kayamkulam Head of Branch DGS Nair asked me to sign a Proposal Form which he had not completely filled telling me Quilon Office would complete it. My kind request regarding transfer of 'full coverage' received a strong 'Yes, you will get.'. I took a picture in my camera of the way the form was filled in by Head Branch before I was asked to sign: it can be send as Email attachment if necessary. I received the Policy issued on 20th January on 22nd January through the Warden of my building. On the 22nd itself I complained via Textmessage to Mr. Sasi K. who on 2nd page of the policy in my name is obviously mentioned as "entered by".' He had himself identified in a Textmessage from his cellphone [protected] as 'K. SASI AST MANAGER ORIENTAL KOLLAM REGARDING POLICY KL 2 AQ 8411' on the 22nd. Following is the text of my complaint to his above mentioned cellphone: 'Sir I bought KL 02 AQ 8411 with a full coverage insurance P. A. Cover under Section for registered owner cum driver (CSI): Rs. 200000 and with insured's declared value 160000. You have replaced 200000 with Rs. 0 and 160000 with Rs. 0. Your new policy issued out on date 20th January 2015 in my absence I am protesting against very clearly. Please note down my complaint and realize I have gazetted officer attested color copy of the original policy in the name of MAYA SURESH. I paid the vehicle having full coverage a much higher price than I would have done if it had come with third party insurance only. If I do not have the correct full coverage policy in my name tomorrow January 23rd 2015 I will use Taxi only and will have consumer court making the one who is responsibel for the wrong attestation pay for all my transport charges. If you act at the earliest I will assume it was a human mistake only. If not, be sure that RTI ACT, Consumer complaint website, consumer court and your Delhi Head Office are ready for supporting DHARMA. I am active on different NRI websites and they will publish my complaint by tomorrow if I don't get your positive reply latest by tomorrow morning. Still hoping it was a mistake only. Regards S. Mohinder Kumar G.'. Sir, when filling the correct policy please enter my name Mohinder correctly - not the case with the recent policy. Also my cellphone [protected] please store in your database (now only filled in handwriting). Please take my complaint seriously and act accordingly at the earliest. Regards S. Mohinder Kumar G.

We are Continuously following with insurance Company foe Continuity Coverage Letter but still Letter is not issued by Insurance Copmany. due to same our Reimbursement Claim is no processed. Policy detail is as follows. Name of Policy Holder - Hitesh B. Shah Claim in the Name of - Rajeshree B. Shah Policy No - 131100/48/2014/7656 ID No - 50049 Policy of Last three years is as follows. Policy no .131100/48/2014/7656 --- policy period - 15.06.2013 TO 14.06.2014 ---- with OICL Policy no .251100/46/12/[protected] -- policy period - 15.06.2012 TO 14.06.2013 with NICL Policy no .121300/48/2012/3740 -- policy period -14.06.2011 TO 13.06.2012 with OICL Policy no .06028/48/10/41/[protected] policy period - 12.6.2010 TO 11.06.2011 with UIICL

Claim No. Policy No. Claimant Name Settlement Amt. (Rs) Admission Date / Time Discharge Date / Time Status BLR-0814-CL-0004353 422407/48/2014/72 CH PRAVASTHI 40058 15/01/2014 8:00 AM 22/01/2014 10:00 AM Approved not received from 3 months

This is in reference to the harassment from one of your insurance agent. Mr. Ajay Warikoo - agent no. BA[protected]. We have purchased few policies from him. Now at time of claiming the medical insurance, he has been harassing my parents who are senior citizens and when I spoke to him regarding the claim, he said it is not his duty and then he started abusing me. I would request your support, as my parents have been taking services from your insurance company since last 15 years and we have never faced this kind of problem before. All agents have been very well behaved and know how to respect senior citizen. But since we are dealing with Mr. Warikoo, my old parents have been facing hardships and harassment. This agent has been misguiding and illtreating them. When the matter was approached to me by my parents, I spoke to this agent and he abused me. He sounded drunk in evening around 430pm and went to an extent by telling me that he will get me abducted. Sir, I am feeling very helpless for my parents, as they stay alone. I am also feeling very threaten by this agent of yours. I have raised this issue with Customer Service Dept of your company, but there has been no response. Whereas as per your company motto "Customer friendly-as an Oriental tradition" but I do not agree with that as I have not received any response from you from last 6 days. Its very disappointing. I hope my compliant would be taken seriously here and I would be given due justice.

Dear Sir, Greetings!!! Due to panic experience from your sales and service side I am here under writing you and for the same i required the immediate and full and final solution of my insurance policy : I purchase a Mediclaim policy from your company before 4 years and my policy number is 142801/48/2014/782, my insured's Code[protected] HAPPY FAMILY FLOATER POLICY my policy expired midnight of 30/05/2014 i am not getting any reminder or any call/sms related to policy expired from your company, before 2 days i check my policy and its expired i call to branch related to renual of my policy as per talk with Branch he denied and tell me your need to purchase new policy and you are not getting your all previous benefits. Kindly look into matter and tell me process of renew so i get my all previous benefits of the policy. i want immediate attention of once concern person to discuss about my complain and required written answer from your side. Your prompt reply would be appreciated. Thanking you, Regards, Rahul Dhami [protected]

मेरी गाडी (sumo victa) का Policy No.332903/31/2015/456 है जो NILAMBER NAYAK के नाम से Insured है का Date : 30/11/2014 को सुबह 8:15a.m में Accident हुआ ! उसी दिन Agent को खबर करने पर भी कोई ध्यान नहीं दिया गया उसके बाद Manager (Mr. O.P.Gupta) को भी उनके मो. न. [protected] पर मैसेज कर सूचना दिया पर उन्होंने भी कोई ध्यान नहीं दिया अत: मैं मजबूरन आपनी गाडी (sumo victa) मरम्मति करानी शुरु कर दी ! पर मैं इस उदासीनता पुर्ण कारवाई के खिलाफ कोर्ट तक जाउंगा ! निलाम्बर नायक उप मुखिया कोचेडेगा/सिमडेगा

This is in reference to my father, Mr. D. N. Ghosh’s policy no. 311101/48/2014/1663 of ‘The Oriental Insurance Company Limited'. The cataract operation of him was done on November05, 2014 by Dr. Mahipal Sachdeva. At the time of operation I was asked to deposit Rs.45, 000.00 (Rupees forty five thousand only) by Centre For Sight. By the time the operation was completed and there was no VB64 available at that point in time to Vipul (TPA), I was handed over a bill of entire Rs.45, 000.00 by Centre For Sight, instead of cashless facility. After making a claim as per rule, after month and a half, today concerned person of Vipul informs that the amount which can be reimbursed would be Rs.35, 200.00 out of Rs.49, 417.00 (Difference of Rs.14, 218.00, which is the fees of surgeon/physician). Please find the reason below which is available online, by Vipul and the invoice of Centre of Sight for your necessary review in concerned departments of Centre for Sight and Vipul Med Corp. I will appreciate if you please look into the matter and do the needful for reimbursement of Rs.14, 218.00 (Rupees fourteen thousand two hundred eighteen only), as this is something internally should be handled between two organisations.