Dear Sir/Madam,
I am writing to formally lodge a complaint against Policybazaar Insurance Brokers Private Limited regarding the unreasonable delay, repeated requests for the same information, and failure to provide a resolution on an urgent matter concerning my mother's health insurance policy.
The policy is scheduled to expire on 6 September 2026. Despite repeatedly following up with Policybazaar since 14 August 2026, my request remains unresolved.
The matter is particularly concerning because the clarification requested is directly related to the continuation/renewal of the health insurance policy and any delay at this stage may adversely affect my ability to make an informed decision before the policy expiry date.
Summary of the Issue
I initially raised my concern and requested clarification on 14 August 2026.
Since then, I have continuously followed up with Policybazaar and provided the documents and information requested by their team.
Despite providing the required information, I have been repeatedly asked similar questions and, in some cases, requested to submit documents that had already been provided.
I have specifically informed Policybazaar that I do not have any additional documents beyond those already shared.
I also requested that Policybazaar investigate and review the relevant call records involving the sales executive/representative, as the clarification being sought is connected with the information and representations made during the policy sale.
However, I have not received any conclusive clarification or resolution.
I have now been informed that the matter is still pending with the insurance company and have been asked to wait until 6 September 2026 for an update.
The most serious concern is that 6 September 2026 is also the last date of my existing policy coverage.
Therefore, Policybazaar's delay has effectively placed me in a situation where the matter may remain unresolved until the very last day of the policy. This creates significant uncertainty and puts me at risk of losing continuity of coverage or being forced to make a renewal decision without receiving the required clarification.
I believe that this delay and handling of the complaint are unfair and unreasonable, particularly considering the repeated follow-ups and the time-sensitive nature of a health insurance policy renewal.
Relief Requested
I respectfully request the Consumer Forum/appropriate authority to take cognizance of this complaint and direct Policybazaar and the concerned insurance company to:
Provide a clear written clarification and final resolution on my pending request on an urgent basis and before the policy expiry date.
Confirm that I will not suffer any loss of policy continuity, coverage, benefits, waiting-period credits, or any other rights due to the delay in resolving the matter.
Investigate why my request has remained unresolved despite repeated follow-ups since 14 August 2026.
Investigate the repeated requests for information/documents that had already been provided.
Ensure that the requested review/investigation of the relevant sales call records is completed and the findings are communicated to me.
Ensure that I am not placed under any pressure to renew, lapse, or make a decision regarding the policy without receiving the pending clarification.
I request urgent intervention as the policy expiry date is approaching and the delay is entirely beyond my control.
I am attaching/supporting this complaint with copies of my email communications, follow-up records, documents submitted, and correspondence showing that the matter has remained unresolved.
I request that this complaint be treated as urgent and that appropriate action be initiated to protect my consumer rights.
Yours faithfully,
Dharmendra Kumar Bhagat
Policyholder/Customer Details:Dharmendra Kumar Bhagat
Policy Number: 70968447
Insurance Company: Policy bazae
Policybazaar Registered Mobile Number: [protected]
Registered Email ID: [protected]@policybazaar.com
Policy Expiry Date: 6 September 2026
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