Policy Bazaar Complaints & Reviews

Here is a **polite but firm draft** you can send to PolicyBazaar or their customer service, addressed generally or to their CEO if you wish:

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**Subject:** Harassment and Unethical Behavior by PolicyBazaar Representatives

Dear Sir/Madam,

I am writing to raise a serious concern regarding repeated and unwanted calls from your representatives regarding my insurance policy renewal. Despite clearly indicating my financial constraints and disinterest in renewing through PolicyBazaar, I have been harassed with daily calls and subtle threats, which has caused undue stress and disruption to my working hours.

I had originally taken the policy through PolicyBazaar unintentionally and was unaware of such aggressive follow-up tactics. This experience has been extremely unpleasant, leading me to port my policy to another company—without informing your team—due to the constant pressure and unethical behavior.

I fail to understand how such behavior is justified, and whether senior leadership, including the CEO, is even aware of this approach. If these practices do not stop immediately, I will be compelled to escalate the issue through public platforms and social media to highlight the mental pressure and harassment I have faced.

Please consider this my final request to **immediately stop all calls and communication from PolicyBazaar representatives**. I hope for a swift and respectful resolution.

Sincerely,
[Your Full Name]
[Your Contact Number, if needed for reference only]

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Let me know if you want to mention a specific policy number or modify the tone.

My wife's (Ajanta Sikdar) car Claim Ref: 2484175 car Registration No. HR51BS8079. I was asked to give my car to the Policy bazar network Workshop - VehicleCare Autonation and they ensured an effortless process and will have a good experience.
Despite multiple assurances, Policy bazar had failed to deliver my car on promised dates, causing immense inconvenience and financial loss.

After alarming to the TOP management I got my car after 40 days. (car picked up on 19th Apr. 25 and delivered on 28th May.
where I was supposed to get my car back within a week time.

in the time of process the Policy bazar team assured me to compensate my financial loss which my wife lost during that time period. costed her around 2500/- per day. traveling to Gurgaon from Faridabad.
And now they are refusing to compensate. which I feel very insulting to chase them everyday.

I am writing to formally raise a complaint regarding the health insurance policy I purchased through your platform. At the time of purchase, your representative explicitly assured me that newborn baby coverage would be available from Day 1 under the policy. Based on this assurance, I proceeded with the purchase, trusting the information provided.

However, upon raising a claim for my newborn — who is currently undergoing treatment in the NICU — I was shocked to learn that newborn coverage is not valid from Day 1. This is a clear case of misrepresentation and mis-selling of the policy.

Had I not had an alternative corporate insurance to fall back on, my newborn’s critical care expenses would have remained uncovered — a risk no parent should be subjected to due to misinformation from an insurance intermediary.

This has caused immense emotional distress, anxiety, and could have resulted in serious consequences for my child’s health. I consider this a grave lapse in service and a violation of customer trust.

I therefore request the following actions from your end:

1. A formal written apology and acknowledgment of the mis-selling and misinformation provided at the time of purchase.

2. Compensation of ₹1, 50, 000 for the emotional trauma, mental distress, and potential financial loss I endured as a result of this misinformation.

3. A full refund of the policy premium, should the policy prove to be of no use going forward in light of this situation.

Dear Madam/Sir,

This is to inform you that, I have taken a policy from policy bazaar - Max Smart Total Elite Protection Term plan( policy nmbr[protected] and the email the agent/advisor entered was wrong and I didn't received my policy details over email. Also due to some terms issue, I cancelled the policy and requested for refund over the phone and through mobile application. But they didn't accept and no refund has issued.

I need to file a complaint against their action as they given a policy over phone call but not accepting the cancellation of policy over phone call and through application..

Adding to it, I requested for the email id change and the cancellation of this policy using the registered email id of policy bazaar account. All the email conversation is attached for your references.

Please consider my email and do the needful at the earliest.

If you require any further information please let me know.
Thank you.

Best Regards,
SIBIN.K.S

I am Rajeev; I bought health insurance Sarah Uttam for myself and my mother on 12 Mar 2025. Same day I applied for cancel and refund of the policy money as I wish to buy that policies separately. Their policy advisors told me they will refund it by 19th Mar firstly. So I bought and paid for two separate Health Insurance for myself and my mother. Later they told me that they will refund the money by 23 Mar 2025. But still they didn’t refund it. Instead they giving excuses to tell that they will refund it by 29 Mar 2025; which I can’t accept as a consumer and they holding my money without a reason. My ticket ID for payment is PB[protected]. I would like to get my refund as soon as possible and if they making it more hard for me then get an appropriate interest on how many days they hold my money.

I got car insurance for my car on 08-Jan-2025 at Policybazaar.

Also, when I took insurance, my previous NCB was 0% and my current NCB should be 20% only. When I got the proposal it was mentioned the same only, but after receiving the policy the NCB is mentioned as 50%. Can you please check and update the same to correct the NCB?

I have submitted the above complaint on Jan 09th, 2025. I received an update on 24th Jan saying need to pay the extra amount to change the NCB to 20%.

I spoke to customer care and mentioned as per the proposal submitted and the amount I received it was for the 20% NCB only, now as the mistake is from the PolicyBazaar side or Bajaj Allianz insurance side I could not bear the additional charges.

They asked me to send an email on the same which the customer care team asked me to resolve the issue.

They are not responding to emails or resolving after sending the email.

Now it's more than one and a half months, If I am asking they are asking me to pay the difference amount(Rs. 933.00) to get the updated insurance.

They are not agreeing it's a mistake from their side and simply telling its a technical glitch so I need to pay the extra amount.

Please refund the amount or correct the insurance policy as the policy is not valid without the correct NCB.

Also, the payment link whatever they are sending also not working!

I have been taking the policy from policy bazaar for over 8 years and this is the first time I have faced this improper customer support.

The agent who sold insurance told me the payment will be no cost EMI however when I got payment structure a hefty interest was added.

I purchased car insurance from Bajaj Allianz through Policybazaar. During the purchase process, the app asked whether we had made any claims under our expired policy, to which we marked "No" since no claim was made. It also asked for the No Claim Bonus (NCB) percentage for the previous policy, and we selected 50%, as we believed we were eligible for a 50% NCB. The app confirmed this eligibility.

However, our claim has now been rejected by Bajaj Allianz, citing an incorrect NCB selection. They mentioned that we should not have selected 50%, as we had made a claim on the policy prior to the last one. Policybazaar did not provide any clear information about this detail or ask for the specifics of previous claims. It only inquired about the last policy's NCB percentage and confirmed our eligibility for 50% NCB.

As a result, our car has been stuck in the garage for over two weeks, and we are facing significant inconvenience. I am disappointed that Policybazaar did not provide sufficient information to prevent this situation. I request an urgent resolution, as our car has been out of service for an extended period after the accident. My policy number with Bajaj Allianz is OG[protected]-00114142.

ON 25.09.24, i have taken car insurance policy from HDFC ERGO by paying premium of 4852/- towards OWN DAMAGE PREMIUM and 378/- towards PERSOANAL ACCIDENT COVER premium from GO DIGIT INSURANCE.
I have received car insurance policy but not PAC from Go Digit nor any confirmation of having received PAC premium.
When i contacted both cos expressed helplessness by saying that i have to make the PAC premium to insurance company but not through policy bazar.
Please let me know correct position.
TRANSACTION DATE IN POLICY BAZAR[protected]
TRANSACTION AMOUNT[protected] to ERGO for own damage premium & 378/- for PAC cover from Digit ins}

Dear Sir,

I herewith registering a complaint against policy bazar as they canvased me for taking a life insurance plan and I paid amount of 200007 Rs on July 7th, 2024. And then the process was begun and it gone as never-ending and cause me so much time loss, effort, leave from job etc. to undergo multiple medical tests, form filling, unwanted calls from policy bazaar from unknown numbers etc. So as of today, 2024, I haven't received any proper information about my money or poly issuance etc. I have raised many tickets, and which are still pending with policy bazar and never resolved also.
In nutshell very badly i need to escalate this issue and required a compensation amount of not less than 100 Lakhs Indian rupees. The policy bazaar company and team of executives were brain washed and consumed and holding my money for more than 30 days unwantedly as well as created much more problems which now affected mentally and also affected my job stature as well also it created family issues due to this purchase through policy bazaar So i need to resolve this case by getting the above-mentioned compensation asap. Iam attaching the proof of amount deduction, tickets.

Regards
Sudheer subairkutty
[protected]
[protected]@gmail.com

After purchasing the policy on 26th November 2023. They sent the policy via email and after 3 days sent me an email about cancellation request and refund automatically. I didn't request any cancellation and I wan't given any reason for cancellation either. Even after that they still kept showing me that the policy was active on my account and my policy was not cancelled.

When I went to claim then I got to know that the policy was not activated and even after I got confirmation about no policy against my car they still didn't had any confirmation whether my policy was active or not.

After parade of calls to their customer care department and to head of customer care I got to know that my policy was not activated and they were showing me false status for past 7 months.

After the call they cancelled my policy on policybazaar and didn't give me any compensation or claim value for my car damages.

I had renewed a two wheeler insurance but the vehicle number, engine number & chassis number is incorrect but the owner name is correct. I had entered the correct vehicle number but it comes with a missing letter. Chassis number nor the engine number did not show when I was renewing. It directly went to payment.. only after payment it showed everything wrong. When I ask the executive they are suggesting no cancellation nor change requests as I have updated them when I have not. I fail to understand if the registration number is wrong how can the owner name be correct? Very frustrating.

I tried to renew my two wheeler insurance through United India Insurance Limited company and I have paid for it but my application could not be submitted and I am not able to see it in my policy bazar application. So I want either my insurance process to be completed or I get my money back.

Thanks,
Pawan Chandol

I visited policy bazar website a few months ago to look at some health insurance options.

Since then i am being harassed daily by multiple calls from telemarketers from Policy Bazaar, calling everyday to force me to buy a policy. This conduct is absolutely abhorrent and might I add, in violation of TRAI guidelines.

I have registered myself on DND list too but they still keep calling.

Contact no. +91 [protected]

I am writing to formally express my dissatisfaction with the service I received not only from Policy Bazaar (PB) but also from Max Life (ML) Insurance regarding my request to increase the sum assured for my ML Term insurance policy of Rs1 Cr, which I initiated all the way back in Aug 2023.

At that time in Aug, I was told that the changes can only happen during the anniversary period i.e Feb/March so this year in Feb around 20th, I raised a request for the same & at that time, Mr. Arun Kumar from PB contacted me, instructing me to raise a request directly with Max Life, providing the necessary contact details. He had also requested for documents regarding health declaration, covid etc which I also provided promptly.

As instructed I contacted Max Life as well. From ML, Mr. Manmohan Soti got in touch with me and advised that a medical checkup was required, which he would arrange. On March 12th, I received an email confirming the scheduling of my medical checkup. But despite my availability and readiness for the checkup in entire month of March, I was never contacted further regarding this appointment. During this period, I also informed PB about the status, but no follow-up occurred.

Now In May, PB reps cared to call me asking for the status. I got a call from Ms Muskan Shukla to whom I explaining the entire situation and eventually was asked to raise another request instead. Subsequently, on the new request Mr. Nitesh, from PB, called me and informed me that it was now too late to make any changes and suggested purchasing a new policy, which is neither a feasible nor a satisfactory solution.

This entire process has been unnecessarily complex and poorly managed, leading to a failure to address my simple request. The role of PolicyBazaar, as a third-party facilitator, was to streamline communication and processes with Max Life, which did not happen. Instead, I faced repeated delays and lack of coordination, ultimately resulting in the failure of my request. On top of this PolicyBazaar reps are making it look like as if Its my fault for not being available even though for entirety of Feb and March I was available but did not receive a single msg or email for the medical checkup OR any further step required.

In all of this, the experience has been very dissatisfactory from both PolicyBazaar and MaxLife side. None of the reps even bothered to communicate directly with each other asking whether the medical of our customer has ever been completed or whats the hold-up. Only now they bothered cause my request was still open, which has now been closed without any proper solution, and since old policy cant be changed theres a chance to peddle another policy from scratch.

I know that expecting anything to change now is futile since the change period is long gone and my medical never happened, but I was expecting Policy Bazaar's support teams to atleast communicate on my behalf especially for request like these otherwise whats the point of having third party? But I also suspect next year as well when I will try to do the whole process again, I would most likely be entrapped in this process which takes weeks just to schedule a simple medical let alone change in my policy.

Policy purchase from policy bazaar and emi was supposed to be debited from my credit card however my wife saving is used for emi however we have never given consent for the same sales person Rishi singh is not answering my calls and not reverting to any query

I am writing to express my extreme frustration and disappointment with the handling of my car insurance claim by your company.

My car was involved in an accident on December'23, and I promptly filed a claim with Policy Bazaar. However, to my dismay, the claim was rejected on the grounds of NCB and I was asked to pay the full amount to the garage. I complied with this request and submitted all required documents to Policy Bazaar on 04th January 2024.

Since then, I have been met with nothing but delays and excuses. I was informed that I needed to pay a penalty for the NCB, which I promptly paid. It has now been over 3 months since I submitted my documents, and my claim is still pending.

I have tried to communicate with representative of Oriental Insurance multiple times, but my calls have gone unanswered or rudely disconnected. This lack of communication and professionalism is unacceptable.

I expect my refund, along with interest for the delay, to be processed without any further delays.

Also i would like to request to all my friends to not to buy any insurance through policy bazar and oriental insurance.

This is bring to your notice that your customer care executives are harrashing me by calling all times regarding different types of policies and despite my denial they are forcing me to purchase their referred policy .
I have strong objection against this and to tell you that not to repeat any more other wise i will force to take legal action against your company.
Than you
Sandip Roy

I've purchased policy and amount also got deducted from account but policy I did not received also not received policy number or another intimation, my UPI transaction ID is[protected]
Bank - ICICI

What u think of customers by simply addding it as resolved? my issue is not resolved. i need this to be addressed in all websites and grevineces - what the hell u think of customers