Policy Bazaar — Miselling of health insurance policy

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.