[Resolved]  Religare Enterprises — health insurance for abroad (student purposes)

Address:

3rd Floor, Rao Mohar Singh Complex, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana 122009, New Delhi, Delhi

Hello sir/mam,
I, manish kumar from new delhi. I had taken an education loan which loan account number was del/007555 in august 2018 from avanse, jhandewalan (New delhi) branch which was 15 lac (Disbursement amount) and avanse provided me forcefully religare policy and i was not agreed n taken policies but they forced me n given which was rs 1, 28, 881, avanse were not providing me education loan without this so much expensive policy and dhfl insurance which was rs 27, 639 in august 2018 and both policies were for 2 years through avanse financial service which religare policy number is 12848459 and dhfl certificate number is gc00000400cg500. I was planing to go to france for study purposes in october 2018 batch but unfortunately my visa got refused in october 2018 and in the same month i went to avanse, jhandewalan branch to close my education loan and showed them my visa refusal letter and mailed them as well, avanse did not inform me for this insurance policy and they should have cancelled at the same time. I did not know about my policy didnt cancel at that time and avanse should have cancelled my policies at the same time when i showed them my visa refusal letter. On first week of march i went to avanse to pay back my education loan and i was shocked when they were taking full amount amount which is 16, 56000 including insurance policy and they are taking full interest policies which should have cancelled at the same time health and insurance amount was 1, 56, 520. I was thinking that they will take interest on disbursement amount which was 15 lac and they said religare will deduct almost 50 on policy amount (1, 28, 881) which was supposed to be cancelled through avanse. But how come policy didnt activate at that time when my visa got refused and didnt show you my valid visa and they are charging on deactivate policy. I did complaint to gro avanse too on 11th march 2019 but they were not able to help me in this case, they mailed me today only after 16 days. Month is almost going to finish just 3 days left and avanse will charge interest for april month as soon as april month starts. I had given 18 months interest upfront already before taken education loan from them. I am already frustrated for my visa refusals so please look into my matter seriously and i requested them not to charge any interest on policies and requested to religare insurance company as well provide full amount on my deactivated policies and it is not my fault in this case. Avanse should have aware about these policies had to be cancelled and didnt inform me for the same and avanse and religare insurance company are not helping me in this case but how come religare insurance company can activate my policy which was only implement for abroad only and i did not show them my valid visa and now they want to charge 50%. Fraud insurance company. Please help me out from this matter as soon as possible and have to foreclose my education loan this month only.
Thanks
Manish kumar
Cell number - [protected]