Religare Enterprises Complaints & Reviews

I have taken religare health policy of sum assured of 10lakh two year before and i was paying premium continuously without fail.
This time my wife faced an emergency and we went to metro hospital noida for treatment.

I have advised by the doctor for admission as doctor suspect acute ge & dehydration. (Please find attached prescription)

She suggested some test for verifying and that report comes in 24 hours.

If the doctor suggests not to go home and anything can happen, in such condition what should we do?

We can not wait outside the hospital for the report which will come in next 24 hours.

I have taken this medical policy to secure me and my family and expecting support from religare in such condition.

First of all religare declined cashless claim as they were saying hospitalisation not required.

Then after following up with support team, they told me to submit claim reimbursement along with all documents which usually hospital doesn't provide at the time of discharge.
I visited to hospital again and request them to give me all treatment related documents and submit the claim.
But again the same reply came from religare.
When i asked them again they told me that we are having our own medical panel who is saying that hospitalisations was not required in my case.

I don't know what qualifications they have but i visited to a reputed hospital and consult with a doctor who is md along with years of experience and i should believe and follow her advice in such conditions.

I am raising request from this board that religare need to check my case again.

Thanks

Vikas singhal

I have been facing some issues regarding filing a claim for health insurance with religare health insurance.

I had fallen ill and had to rush to emergency room last year. The student insurance which i had taken from the company said that it covered such a scenario. Before going to emergency room i had contacted the company to ask for cashless centres in raleigh, nc areas. I was given address of a local hospital where i went.

The cashless was however denied and i was told that i would have to pay the money first and could claim for it later. Believing this i payed $6000 for emergency room visit and various tests to get a diagnosis for my illness.

I filed for claim and they rejected it orthopaedic clause to reject the claim.

If you know anyone who could suggest me, how to proceed now, it would be of great help. Any advice is welcome.

I got a call from[protected] and some one appeared to be from insurance company. I tried to inquire about the legitimacy of the call but the rep on the call abused me in regional language stating that i am rana and i can do any thing. I am sending this email and within two days if i didnt get any reply from u i will be filing the fir against this no.

Name:waseem
Ph no:[protected]

Dear insurance team

As per complaint no. [protected] provided by you (Bearing irda token no.[protected] for processing of cashless facility al no. 80171369 of travel insurance policy no. 11907261.

I would like to know below queries from you that as per your communicated on dated 03/05/2018 (In reference to my communication on dated april 27, 2018.), you are only reply us that “patient is a known case of hypertension and thalassemia prior inception of the policy. However, this medical condition was not disclosed at the time of applying for the policy with us”

1. Hypertension is not the disease, it was the only symptoms due to chest congestion you can ask/verify from the doctor vishal sharma (Treating doctor) from where we have taken treatment (Document for the same already submitted). Even you can see the discharge advise no medication advice for bp. If he has disease if bp than why not doctor recommended the medication of hypertension.

2. Where in our document it was mentioned the case of thalaseemia to patient was existing disease which i had not disclose

I already explained you that during the admission of mr. Dev raj on 2017 at alchemist hospital he was suffering from high cough due to chest congestion which i mentioned during the purchase of policy.

I want the voice recording during online purchase of policy, which you told that our voice is recorded in recording line. During purchase of policy and in the policy document you never asked to providing the discharge summary of inpatient record history of mr, dev raj or any client, where as when we are applying for new claim of insurance you are asking us for providing the discharge summary also you had forcing to submit more than 48 months older record of mr. Dev raj during verifying the cashless claim and your team member told it is required otherwise claim will rejected.

Your behaviour during processing of claim is very impolite. I believe on the religare insurance co. That such a big company dealing appropriately, but now i feel you try to manipulate your rules that we are hiding the medical condition of patient at the time of applying for the policy. If such are the case than you are cheating the innocent people who are honest and providing the all information during purchase of policy. If any person suffering from breathing that

“ ek aam admi doctor ko bolta hai ki dr, mujhe sans lene main problem hai, meri chest main kuch jama hua hai (Sputum) he did not know the medical terminology or during treatment doctor start checkup with heart beat, throat, blood pressure etc.

Dear concern,

Issue regarding with hp printer installation, i have called your service center number and discussed with your representative agnish barman & sandeep but both guys are denied they have no any resolution about printer installation every time said single word issue only your operating system or network end. Kindly help in this case and arrange your engineer on site and fix the issue.

Printer details:-

Case id:- [protected]

Printer serial number:- cnbkl28hkq
Product number – cz184a

Laserjet pro mfp m128 fn

First of all i would like to inform you that i am very disappointed with very slow response from policy bazzar & "Religare" services & have the following concern against PURCHASED POLICY 12084707.
1) I have purchased this health policy by policy bazzar of Religare on date 06-Feb-2018 which policy period start from 07-Feb'2018 as mentioned in document which received by e-mail during the time of purchase.
2) I initiated cancellation request to policy bazzar on date 06-Mar-2018 within one month from date of purchase but policy bazzar forward to Religare after so many calls to me that " sir plz don't cancel the policy" they taken 17-18 days to pass cancellation e-mail to Religare. But it's not my fault Religare allowed them to sale his policy and during sale of policy they recommended me to purchase Religare policy so it's Religare responsibility to consider my cancellation request e-mail of date 06-mar-2018 it's doesn't matter when they e-mail to Reliigare or Religare need to pre defined in document that policy bazzar request of cancellation will not acceptable..
3) Now Religare customer care guys says that policy term & condition is :
Free lookup period : with 15 days of policy purchase
25% deduction : between 16 days to 1 month
50% deduction : After 1 month to 3 month.
But i checked his document there is no such term & condition mentioned in term & condition point. Even they mentioned in "Note" that document need to be surrendered during cancellation of policy, refer the same document enclosed for your ready reference.
4) No clarity to Religare customer care & policy bazzar customer care guys different different person says different deduction process some says very less amount to be deducted in your cancellation, some says cancellation refund shall be based on pro-data basis, some says it will be 25 %, some says 50% also you can check call in your customer care with Ms. Sabita. she says sir very less amount shall be deducted, more than 75% shall be refund. As a customer which one is right it's very difficult to understand.

Mostly buyer have very less income salaried person to whom it's very difficult to manage monthly expanses but they handling them very mismanaged way & pass time free look & more than 1 month to deduct heavy amount as a penalty.

In same way they deducted 50% amount from premium i.e. not except-able even i informed within one month as well as they not mentioned such conditions in documents with team & condition during sale of policy.

Request you support me to provide justice.

My Name : Sharad
My contact No. [protected]

The doctor has provided all information from columbia asia hospital. But still my claim has been rejected. I have a corporate connection with religare. I have insured for my father which never worked. I was having medi assist before where they were doing it without hastle. Please avoid religare.
I am forwarding this to most of the corporate offices for not choosing the releagre and if you are company is still going with this then corporate officers are bribed. Please avoid religare.

I was hospittalized for 2 days in reliagre empanneled hospital. The treating doctor given note on letterhead that the hospitllization was necessary but still religare health insurance refuse to give the claim.
I submitted all documnets but religare health insurance replied that "hospitallization was not neccessary".

This happen with my younger brother also.
We had 2 policies but now we have transffered our health policies to other health insurance company.

I was hospittalized for 2 days in reliagre empanneled hospital. The treating doctor given note on letterhead that the hospitllization was necessary but still religare health insurance refuse to give the claim.
I submitted all documnets but religare health insurance replied that "hospitallization was not neccessary".

This happen with my younger brother also.
We had 2 policies but now we have transffered our health policies to other health insurance company.

I have worked palakkad branch as relationship officer for relegare securities. So many times i have submitted my pf withdrawal form. Still there is no response from your side. My pf no. As given below mh/38968-a/5106. W worked from 01/03/2007. I called so man y times to ernakulam office and also sent pf withdrawal forms as registered post but still it is uncleared. I dont have the uan no for my withdrawal pf from umaang. So kindly send the uan no if available.
Thanks and regards vinod v 6133 malampuzha palakkad kerala 678651
.[protected],[protected]

I have admitted in hospital for typhoid for two days in medstar hospital please help to claim the reimbursement my pre authorisation request nocwi[protected] dt 02.08.2017
Due to dealy i paid the cash &settlement and discharged from hospital

I have forward the original bills to company also for reimbursement but till now my claim was pending

Please help us to get reselvoed

Thanks

D krishna kumar

Dear religare complaint team,

My name is mr. Bhanu limruksasin, current i am an employee of intellect design arena - thailand. I and my family has applied to be insured of religare as provded by hr.

I have submitted my claims on 5-feb-2018 and i have to wait until 23-feb-2018 to receive an email from travelclaims team of religare that please submit additional documents as copy of my passport and copy of my employee id.

Your team took 19 days to review and revet to me that please submit your copy of passport and employee id. It is un very professional and inconsiderate.

I think your senior management has to visited this team to review and improve the their work processes to be more proactive.

I will report to my hr at head office to clarify that how bad it is for the provided services from the travelcliams of religare.

I am looking forward to see your response immedaitely.

Regards,
Bhanu limruksasin (Bhanu. [protected]@intellectdesign.com)

I took the health insurance from religare health insurance and they didn't provide me the cashless when i got admitted in hospital and after that i pursue for reimbursement again they denial and told me that nothing will be diagnose in the treatment and treatment was handled on opd basis in hospital, i just want needful help from you against this case.

My personal financial details were leaked to my brother through Reliagre's Employee without my consent or request. I do not have my account with that employee's branch nor i had given any request. My brother made a big issue in my family and i had to undergo too much mental trauma and also monetary losses as i had not disclosed this Reliagre Account in my family. When contacted Reliagre for this, that who gave the authority to do all this, where is the request placed etc... they want to run away saying that the said employee has left their organisation 3 years back and we cannot trace anything related to this issue, we cannot do anything. I had constant followup with them since Oct 2017 till today, but their answer has not changed and they told me i can do whatever i want. So i am approaching you. Pls go through my attachments and you will understand the whole case.

Dear sir / madam,

I had submitted my claim[protected] documents on 22-dec-2017. From the date i have submitted the documents they started asking for unnecessary docs and put my claim under query, though i have submitted all the necessary docs and bills and i have nothing pending from my end. Finally i got irritated and told them clearly to return me back the discharge certificate and i don’t need the settlement. After continuous tug of war, finally out of total amount 34169 i only 18923 got settled. I have asked them for detailed breakup, but till date i haven’t received the same. Before sending the documents i clearly stated them that i need the original discharge certificate for the issuance of the birth certificate from the municipal corporation and they had also agreed and suggested me the same. But after the claim settlement, while i mailed them for the discharge certificate, they mailed me stating that the discharge certificate cannot be shared as they need the same for audit purpose. I don’t understand why there is so much of miscommunication, mismanagement and lack of knowledge amongst the settlement team members and the executives. Lastly the executive with whom i had chat he started arguing with me regarding the discharge certificate and told me that i can go anywhere i want, when i told him about the consumer court.

I am irritated with the kind of service provided by religare and would not recommend any one in near future to go with the same. I have the mediclaim policies of other companies also but have never faced such kind of horrible service. I am surprised to see that if a company provides this sorts of service in corporate policy then what kind of service it provides in case of individual policy.

I would request the management to look into the issue and take immediate action on the same.

Regards,
Partha pratim pal
Mob-[protected]

My questions to religare health insurance -

Q1. Religare health insurance took 9 months to settle my post hospitalization.

Q2, religare health insurance did not update room rent provided by hospital and that is why i had to suffer for 9 months to get it sorted. The discripancy between them but patient had to suffer.

Q3 i have history of aprox 70 emails sent to religare helth insurance but they don't bother to reply you even. Not even last escalation is bothered (Resolve2).

Q4. Everytime i called about the discripany amount religare always denied. I had to fight a lot to get this amount back.

Q5. Religare health insurance cleared 104 rupees from my post hospitaliz bill of 1752. I had to fight a lot to get rest 1400 amount which they gave after 9 months.

Q6. Customer service is pathetic. You have to explain them hello lot, have to fight with them a lot then only they move ahead else you forget about your claim.

Q7. When you buy policy they tell you that you get 100% expenditure from insurance company but when you actually avail it then you come to known hidden charges. Extensive use of sales techtics. Just call their sales team and ask about the charges and you will come to known. You dont even need any other proof.

Q8. Out of 48000 inr of claim i had to pay 10000 amount. Where religare health insurance company say 100% they paid only 79% rest 21% was paid by me.

Q9. If i would have opted a cheaper hospital my whole bill would not have reached what i co paid here.

Q.10 religare health insurance does not have courage to answer my questions even. I have written so many times and they just reply with templated answer. "we have forwarded your feedback to concerned department". They need to understand this is not feedback, i am asking questions from you.

This is arvind parmar i give policy last years and this year renew but third party indusind bank executive said
Aapke bacche ko is policy mai add nahi kar sakte aapko new policy leni hogi aur mujhe in hone new policy 23058/- ki di aur 1 month ke baad mujhe religare se call aaya aur bola ki aap same policy mai aapke bacche ko add kar sakte the
Aur wo executive se baat i to usne mujhe hi jhoota bol diya

Plz mujhe meri old policy open karne mai meri help kare

Old policy no 10866452 issue dated 14/09/2016
New policy no 11601908 issue date 18/09/2017


Plz revert urgently

I have 2 claims pending for policy no. : 11364702
1. Hospitalization claim still pending - hospital has been reimbursed since july 2017 even after multiple calls and reminders
2. A. For transportation of mortal remain of nafisa amin
B. Change in travel tickets for the insured (Kaizer amin and nafisa amin due to ailment of nafisa amin during travel)
Need the claim amount settled asap as there is liabilities towards credit card and its interest increasing

Claim id dlcpm[protected]
Receipt date 11/10/2017
Claim form type form-10c (Eps withdrawal/sc)
Para details withdrawal benefit / scheme certificate
Total amount n/a
Dispatch date 09/11/2017
Status settled but returned
Remarks claim-form-10c (Eps withdrawal/sc) (Withdrawal benefit / scheme certificate) claim id-dlcpm[protected] member id-dlcpm[protected] payment sent via neft has been returned on - 09-nov-17.

Claim id dlcpm[protected]
Receipt date 11/10/2017
Claim form type form-19 (Epf final settlement)
Para details resign
Total amount n/a
Dispatch date 09/11/2017
Status settled but returned
Remarks claim-form-19 (Epf final settlement) (Resign) claim id-dlcpm[protected] member id-dlcpm[protected] payment sent via neft has been returned on - 09-nov-17.

My nc debenture redemption amount of rs 9 lakhs due on 9.10.2017 was paid on 5 nov 17 that too after several e mails to their registrar link in time, under the pretext of rtgs rejection by pnb, the rejection is due to technical error of digit numbering by bank. For which i am not responsible.
Just like taxi driver demanding triple the meter fare when there are rains, companies also take undue advantage of the situation, fleecing investors.
The company does not reply to mails requesting to pay interest for delayed payments.
Such defaulters should be dealt with severely by govt for unfair trade practices