Royal Sundaram General Insurance Complaints & Reviews

I haven't received my Honda City car insurancepolicy as of 31st March 2010.

My earlier insurance expired on 20th March 2010,
Premium amount of Rs. 6200/ was debited to my idbi savings A/c on 15th March 2010
I had informed the person concerend that even last year I received the policy a week after my car insurance had expired.
As od now neither do I have any covering note nora renewed policy document.


Dilip Poredi
[protected]

ORIGINAL POLICY DOCUEMENT AGAINST COVER NOTE NO LUN1079748 DT 27.11.2009 ISSUED BY ROYAL SUNDARAM NOT RECEIVED TILL DATE.

ON CONTACTING THE ROYAL SUNDARAM THEY TOLD THEY HAVE DESPATCHED THE ORIGINAL POLICY AND DUPLICATE WILL BE ISSUED FOR A FEE OF RS.30/-

PLEASE HELP US

Dear Sir,

I am Mallari Rao M.S. taken Health Shield Policy for self, my wife and my son from Royal Sundaram Alliance Insurance Company Ltd in December 2005 and being renewed the policy every year. My health shield policy was renewed on 28 December 2009 by paying renewal of Rs.3,363/- and the same has been confirmed by the insurance comapny. My wife was admitted to hospital on 12 th January 2010 due to high viral fever. When the hopital authorities sent the cashless treatment request to Royal Sundaram Alliance Insurance TPA M/s Medicare TPA Services (I) Private Ltd for sanction, the TPA had declined the claim stating the reason as the Policy remains lapsed on 28/12/2009.. Cashless not admissible. I had contacted both Royal Sundaram Alliance Insurance Company regarding this, the officials informed that they have already sent a email to TPA confirming the renewal. However the TPA did not send the cashless treament approval till the discharge of my wife from the hospital. She was discharged from the hospital on 15/1/2010 and I have paid the bill to Hospital Authorities. Please let us know whether I can file case in Consumer Forum.

Dear Sir/Madam,

Unfortunately I am having a Royal Sundaram Health policy with me; I renewed this policy in the month of OCT 2009 using my credit card. The required amount has been debited from my account.
The Policy Number: HJ[protected]
I called 5-6 times and lodge 3 complaints and asking for the Physical certificate and till now I didn't receive my required document. Which is very much required for claiming the income tax rebet under 80D.
Please find the complaint number
GEA/2010/5487528E: On 5th Jan
KVA/ 2009/2A2852E5: on 3rd Dec
Against the 3rd Dec complaint they send the scan document in my email address, which I can't produce for claim. (I am attaching the same for your reference)
So I need your involvement to fix this issue.
Regards,
Satyajit Samantroy
+91 [protected]

Hi All, I have claimed the reimbursements for the hospitalisation bills of my father under policy no. HCE[protected], claim no. HR53921. The same is rejected by the company on the ground of Pre existing disease. Where actually these is on line policy & there was no mediacl check up eas done at the time of buying policy. Also there was no disease at the time of policy taken. Still the rejection made by them. Also they have sent the doctor...

Hi

I have did one health insurance for hospitalization cash benefit plan for my 6 months kid.

After 3 months of the policy my son admitted in Lotus Hospital for high fever and when hospital applied for cas benefit to Royal Insurance they asked so many query to the hospital management and insurance company wants my sons head TC Scan fax.

When i asked the incharge doctor they told who the hell wants CT scan copy when it is not needed and even the hospital management told they never faced this kind of query and faced problems from other insurance companies.

And for one day around 7000 i paid for hospitalization. But i have not received any amount from Royal Sundaram.

So i advised to all if you are doing any policy directly individually not from your companies then be careful at the time of hospitalization. They will ask a lots of query to stop the payment to you as well as the hospital management. So choose the best insurance company.

Thanking You
Saroj

Hi All,

Onday i received a call from Rayal Sundaram tele caller people. Nicely they have explained me regarding Hospitalization benefit. At the time i was no need of that policy but after getting some professional call from the tele caller peoples i thought this company might be provide good service when any body will hospitalize. So i did a policy online for my kid 6 months old. After 6 months he got hig fever and admitted in Lotus Hospital in Hyderabad. In that occassion i spent around 8000 for one day. After submitting the card of royal sundaram when i went to ask them the approval amount from the Royal Sundaram the hospital management told me this is the first company that we got a fax stating that please make a TC scan of head of kid and submit and they told this is low starndard insurance company and these kind of companies tries to put all the query to hold the payment.

When i told the doctor regarding CT scan then they told who is the hell telling to do a CT scan for a small baby. CT scan is not required and the baby is normal. And royal sundaram people stoped the payment.

So i advise to all the people who do direct health insurance individually without companies they have to be very clear about this kind of low mentality insurance company.

Thanking You
Saroj

Hello
I am holding the personal Royal Sunderam health sheild Cashless card limit is Rs.1 Lakh per person,my wife was admitted in the APEX hospital for apendis for that she need to go through operation our total billing amount was 39K on that
Insurance company has passed only 25K rest i have to bear from my pocket for which i need to take a loan , TAP suggested to go for Post Claim,i have submitted all the document & after 15 days they have sent me returns back all document and give answer your claim limit is only 25k so what's meaning of Rs.1 lakh insuance.

Pls revert back on the same, Waiting for the reply

I am a SBI card holder. SBI represntative contacted me for mediclaim insurance and I agreed to insure 2 laks for each person. Our family is 4 persons for which I am paying RS 6000 for every month.

But I got the hospiatl cash insurance which staes that we are eligible for Rs 1500 per day for 180 days. This is not mediclaim and I asked them to change it to mediclaim. Still thaey have not changed.

Royal sundaram is a cheater.

How can they give Hospital cash insurance policy insted of mediclaim insurance.

Beware of all health insurance companies and particularly ROYAL SUNDARAM.

My claim was rejected by royal sundaram with out giving satisfactory answer only saying why you have admited in your own hospital. If i have the facility to take treatment from my hospital why should i go to another my policy in on the same add of my hospital why they isued me on my hospital add if they want me to go to another hospital. my claim and my policy both are closed.

hi
i am jagdish thakker i have taken car insurance from royal sundaram insurance comapny i received amount about car dammage it was total loss thay settle me in just 625000 the cost of car was 915000.00 (fiat linea emotion pk) its ok due to my bad luck my wife got injured at left hand fracture bth borne royal sundaram people assure me you can claim within three moth n u will get full amount now they advise me that i can not claim i have to come through court i paid premium directly to royal sundaram n for claim go through court? please advise me in this matter thanks
regards
jagdish

I Had taken Royal Sundaram Health Shield Insurance on 31.12.08 under policy No. HL[protected]-X001 covered my family consisting wife and 2 kids for Rs. 1 lac for each head.

On 2nd june, 09 my son AKHIL RAJ went to ENT OPD with complaint of decreased hearing. while examining the ears, Dr. Hemant Chopra found his right ear drum damaged and advised a surgery called TYMPANOPLSTY and left ear GROMMET INSERTION. it was school vacation time, we decided to get the surgery done immediately becos during summer vacation, the child can get complete rest. Fortunately the next theatre day Dr Chopra's has time to perform the operation also. so we admitted him to DAYANAND MEDICAL COLLEGE, Ludhiana on 3rd june itself and surgery performed.

when admitted, i contacted DMC corporate cell with my mediclaim card, and register the case with them. however, till the discharge date of 6th june, my case has not been approved by the insurance company for cashless policy. then i submitted original bills and complete papers for reimbursement of expenses but after continous follow up, the case has been denied with reason "THE DESEAS IS CHRONIC AND PRE-EXISTING whereas the doctor clearly mentioned it was not any previous symptoms.

My family was protected with Mediclaim for the last 4 years with another company and if my son is having this deseas, i might had been operated him under medicalim with Park. why should i wait till date since i dont have any difference if it is ROYAL SUNDARAM OR PARK. i could only knew his ailment now and that too we noticed when he was not responding to small voices. if any othe symptoms, then we can understand it.

so the rejection of my son case is totally illegal and i seek help and assistance.

I was submitted all bills /documents of my wife's hospitalization for claim on[protected] till date I have not received any response from your side, detail of my policy are:
POLICY NO. HLSBIL 0008
MEMBERSHIP NO. HS[protected]B
POLICY CERTIFICATE NO. : HS[protected] and new
POLICY CERTIFICATE NO. : HS[protected].

I was received a letter DATED[protected] from Royal Sundarm regarding "CANCELLATION OF INSURANCE POLICY"

I have contact several times on phone to Claim Department, every time they take a new complaint, but till date they ould not replied that, why they cancel my policy and why not releasing my claim.

Let me help please........ .

S K Sharda
842/7, 3rd Floor, Govindpuri, Kalkaji, New Delhi - 110019
[protected]

Friends be careful if you are going with Royal Sundaram. Firstly they start chasing (begging) you for renewal premium almost 2 months in advance. If you oblige them by paying well in advance say a month in advance, then they send documents through cheap shabby couriers. These courier don't even have delivery offices in your city (Pune). They are sub-contracted to street guys who are not paid their wages in time. Result is these boys do not deliver documents. When you write back to Royal Sundaram they don't reply except for auto acknowledgement. When you chat with them the rep. promises you everything but no action is taken.When you tell them to cancel the plplicy and refund the premium they don't even look at your request.
HENCE FRIENDS DO NOT SQUANDER YOUR HARD EARNED MONEY ON COMPANIES LIKE Royal Sundaram. IF YOU HAVE SYMPATIES THEN PLEASE GIVE THEM ARMS IN CHARITY.
REGRET,

C.R.NANDA

Dear Sir/Madam,

I had renewed an existing motor insurance policy with Royal sundaram online using my credit card. However despite the payment being honoured the policy hasn't reached me and its been over a month. I have written to the local office of Royal Sundaram in Gurgaon and no action has been taken yet.

Renewed Policy No: RENC[protected]

Renewal Date: 21-Aug-09

Request you to look into this.

Thanks and Best Regards

Harish Iyyer.

Dear Sir,

I would like to inform you that I am a user of Credit Card No.[protected] issued by Standardrd Chartered Bank.

During March 2009 I have received a SMS from Standard Chartered Bank Card division asking to pay some amount against my Credit Card dues for the month of February 2009, after that I have contacted their customer care department to find out the detail of transaction and I understand this amount charged by M/s. Royal Sundaram Alliance Insurance against Policy No.HE[protected], immediately I asked them to cancell the entire amount because I never ever opted this service from them and in future also I am not ready to pay these type of any transaction, which is not permitted by me.

I would like to inform you, that I have used their policy during the year 2007 after that I have not used their service at all. Now as per my discussion with M/s. Royal Sundaram Alliance Insurance I understand this is a auto renewal policy, accordignly they renewed my policy. BUT THEY NEVER CATE TO TAKE MY PERMISSION BEFORE ACTIVATE THIS POLICY.

Also I would like to inform you that I am using another Credit Card No.[protected] issued by MANHATTAN (a credit card department of Standard Chartered Bank). I would like to notice you that during June 09 I have make a payment to my Manhattan Credit Card [protected] for Rs.900.00, but I understand from this amount a sum of Rs.500.00 credited to my titanium Card No.[protected]. Which is realy un justifiable. Without a client request how can the Bank adjust a amount their own, I am un-aware of the system. When I check the same with their Card department, they said "it is happening automatically and we are making a request for return this amount to your Manhattan Card, and it will be credited within 3 working days", finaly they give a credit for this amount, but it is not transfered this amount to my Card [protected] form where they are credited this amount.

Another day when I am discussing with one of their Standard Chartered Bank Customer Care officer, he promissed me to waive off all the dues just paying me a Rs.150/-, immediately I have arrange to transfer this amount from my saving bank account with the same Bank. When I re-check the personel name about this discussion, they said there is no record available for such discussion. I am in huge trouble with this partner business of Standard Chartered Bank & M/s. Royal Sundaram Alliance Insurance.

Still i am getting statement, my request is to verify this issue and help me out from this head ache.

With regards,

Sankaran Kutty
560-G, Nyaykhand-I
Indirapuram, Ghaziabad - 201010, U.P.

I was offerred a Mediclaim scheme of Royal Sundaram for Stanchart Credit Card holders in May '08. The said insurance commenced from May (02.05.2008) and I was informed that the amount will be paid through the Card. First installment was paid by the Bank on 24.05.2008 and was raised in the bill of June '08 (20.06.2008) payable by July '08 (12.07.2008). The amount was paid by me without knowing that the installment which I am paying on 'regular' terms was actually being considered paid as 'delayed' payment thus attracting late payment interest.

For these 14 months I was being charged interest in the range of Rs.175/- to 215/-. Time and again I have been enquiring about this interest amount and I was informed that the amount will be reversed soon.
Just to comply with regular payments and keeping the track satisfactory I have been paying the amount. You can check the payment track of my Card ([protected]) statements.

Now, on going through the offer certificate of Royal Sunderam, I feel that I was cheated for the interest amount. I have prepared a statement of payments made to you. In the month of August 02.08.2009 onwards I will be depositing three installments againt the same, which I assume will clear all my 'overdue' amounts. But, what if I would like to continue the Mediclaim with Royal Sundaram by passing the facility to Card holders of your Bank? If I withdraw, my payments of Rs.15000/- will go in vain and if I continue making payments through your Bank, I will have to pay 'more' as till now.

This is a genuine problem and may be responded to my mail address.

Further, I sent "SERVICE" message to [protected] on 28.07.2009 and till now that is 11.55 AM 01.08.2009 I have not heard from you.

N.M.Raturi

I have a Manhattan credit card. 2 years back I had taken a medical insurance policy for me and family from Royal Sundaram through this credit card. I had not signed any documents except for verbal confirmation to purchase the policy at that time (as far as I remember). This call was recorded. The policy was for 2 years. Now after 2 years after the term expiry Royal Sundaram has automatically renewed this policy and debited my Manhattan credit card without my knowledge. I called up Manhattan and asked them to revert back the charges as I have not authorized or given ECS to anybody towards this card. They have reverted only 90% of the amount and are insisting that I will have to pay the remaining amount. They are also saying they cannot do anything in this regard and I should contact Royal Sundarm for this. My question is whether a policy can be automatically renewed without my consent? And if it can be, then are they eligible to charge my credit card without consulting me? Also how could Manhattan allow the amount to be debited from my credit card account without my consent? Thanks, Sanjay Singh [protected]@gmail.com

Subject :- DENIAL OF CASHLESS ACCESS

Ref :- Hospitalization of Ashok L. Ghadi, Membership

No. HS[protected]A (Royal Sundaram Alliance

Insurance Co. Ltd.)


Denial of Cash less hospitalization by Royal Sundaram Alliance Insurance Company Limited based on unconstitutional, illegal & baseless reason i.e. DISEASE IS PRE-EXISTING
in nature though I was not suffering from PRE-EXISTING disease but purposely their TPA to Deny
the benefit of CASH LESS HOSPITALIZATION they submitted this reason. Even, I forwarded
them the Hon'ble Supreme Court, Judgement in favour of such person who suffering from PRE-EXISTING
disease they should not be excluded from providing insurance benefit. Therfore, I really suggest
ALL OF YOU PLZ DON'T BUY THE INSURANCE POLICY FROM ROYAL SUNDARAM ALLIANCE
INSURANCE COMPANY. THEY CHEAT THE PEOPLE>>>>>>>> and DENY the benefit on
such baseless reason.

Chittosho and Royal Sundram Complaints

I take my Alto car Ch01 A 3136 which got damaged due accident to ChittOsho ind. area Ph-7 Mohali. They told me it will take 15 days to repair the car.
After 3 days I went to workshop and saw that the front glass of my car was also broken which was in right condition before. So I enquired and workshop people said it was slightly damaged, to get the insurance claim we broke it fully.

They broke the glass in presence of Surveyor (Sandeep Sharma) and could not bother to tell me about that.

My question is that if they have broken the glass which was visible from out side. They might have charged for the parts which are not damaged.

I have paid 8000/- out of 33000/-. And the Surveyor (Sandeep Sharma) did not provide me the details of charges on what grounds I have to pay 8000 to the workshop.


Now I never believe in chittOsho and Royal Sundram.