Sir,
I Mr.Tapan Chakraborty having policy no. [protected] having UHID 01P[protected] have ported my 8 years old health insurance policy to the most renowned TATA Aig Medicare with a hope that I will get far better service from the earlier company.. Accordingly one of the TATA Aig Medicare official by name Ms. Anindita approached me and took my signature(s) on the application form along with premium amount cheque, old health insurance copy with continuity details break up and other requisite documents.She did not mention about continuation of the policy and that actually created the problem. As per information she had done this sort of mistake earlier also may be for her own benefit.
After a few days I got the policy copy from Tata Aig Medicare. On going through the policy document, I have noticed that restrictions on pre existing disease have been mentioned. Immediately I approached Tata Aig officials to rectify the error. Then once again all documents had been reverified to issue corrected policy.
In the meantime in mid September-2021 I had been diagnosed with Kidney stone and surgical procedure advised by the consultant. After surgery, I had submitted all papers related to reimbursement. After submission of the documents for reimbursement, I have repeatedly asked the TATA Aig Medicare official to inform me whether they have received all required documents for reimbursement of my claim or not. I had to wait for 20 to 25 days to get the mail from TATA Aig Medicare official. After that I have been communicating with TATA Aig Medicare official regarding settlement of my claim but did not get Mr.Papumoni kept on telling, i will get full settlement of my claim within a short time. To my utter surprise on 10/12/2021 I received a mil stating that as my policy has two years waiting period, my claim has been repudiated. Again I had contacted TATA Aig Medicare official, again they have sent papers for policy correction, finally my claim have been settled. In the claim settlement letter it was mentioned that my total claim was Rs. 1, 06, 853.00 less the disallowed amount Rs. 1, 600.00 and payable amount is Rs. 94, 728.00. I did not understand the calculation sen mail for query to TATA Aig Medicare. Yesterday I had spoke to the Branch Manager( probably) over the phone. He spoke so roughly to me that I can't believe any Branch manager of TATA Aig Medicare could behave like this to its customer
I am attaching herewith all documents including the call recording with the BM of TATA Aig Medicare for your reference.
I have suffered a lot with TATA Aig Medicare after I have been ported and I am really ashamed of being a part of TATA Aig Medicare and I have decided to port my policy to another health service provider on completion of my policy period. I will also tell my friends and relatives here and social media friends regarding my sufferings with Tata Aig and will tell them to think twice before attaching with TATA Aig Medicare for any type of policy.
I know TATA Aig Medicare is a big company and maybe my complaint will not get placed in their list of discussion. Even then, TATA Aig Medicare will lose a customer and that's me very soon.
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