United India Insurance Company [UIIC] Complaints & Reviews

I have taken a mediclaim policy from Jeevan Sahara – United India Insurance on more than a month ago and till now I have not received any intimation from the company on the activation. The cheque of Rs.9828 has got cleared from my account on 27th January. I have got the call from Kalyan (Tel. no. [protected]) from a lady called Puja. Yesterday when I had a doubt and started calling up the number - the number turned out to be switched off. Now I really doubt that such mediclaim policy really exist and the entire thing is fake and misleading. I really don’t know now whom to approach for such grievance. Please advice.

hi there the matter is i gave a call to my agent to renew the policy and after checking out i found that my policy is discontinued so i went to the company but they denied to take my premium . now the matter is though iwas not aware of my policy my company didn,t send me any renewal letter as they send it to me before due date of insurance ,i asked them to give me the details of the courier company but they are un able to do so ,so my question is can any one help me to renew my policy

from :- Address :-
Pranab Kumar Dey (Cancer Patient) 2/2, Dr. J.R. Dhar Rd.,
email : [protected]@yahoo.com Dum Dum, Kolkata - 700 028
[protected]@yahoo.co.in (Mob : [protected])

To
The Manager,
Grievance Department,
United India Insurance Co. Ltd.
8th Floor, Kanchanjunga Building,
17, Barakhamba Road,
New Delhi - 110001



Dear Sir,

I, Pranab Kumar Dey, residing at 2/2, Dr. Jiban Ratan Dhar Road, Kolkata, India, Pin – 700 028, purchased a Mediclaim Policy from United India Insurance Co. Ltd. Vide no. 010500/2009/[protected]/1, on Sept.'2005 (AROGYA RAKSHA POLICY, which is jointly organized by Indian Bank & United India Insurance Co. Ltd.). My TPA is M/s. TTK HEALTH CARE SERVICES PVT. LTD. vide card no. CHE-UI-IN[protected]A, has also been issued to me consecutively since last 2005 embossing my photo.

I have been suffering from Cancer since last few years and underwent two major surgeries once in the year 2004 & another in the year 2008. Since the insertion of my Mediclaim Policy (Sept. 2005) I have never claimed any amount from them.

Sir, on 21.12.2009 morning, I took admission in AMRI Hospital – Dhakuria, P-4 & 5, CIT Scheme –LXXII, Block – A, Gariahat Road, (Beside Dhakuria Bridge), Kolkata – 700029 for taking Chemotherapy as per the advice of Renowned Dr. G.S. Bhattacharya, MD, In-charge of Haemato Oncology.

Before taking admission in this Hospital I submitted the necessary Mediclaim form, duly filled-up by me along with other relevant documents for availing the Cashless benefit through the proper channel/as per the rules of this Hospital.

But, I very much regret to mention that inspite of being a “Claim Free” policy holder since last 2005, both TTK & United India Insurance Co. Ltd. have out-rightly
Rejected my application, mentioning “It is a Pre-Existing Disease”, irrespective of having the Circular issued by the Insurance Regulatory and Development Authority (Irda) in June, 2008 to all the Mediclaim Agencies where it has been very clearly mentioned that all Pre-Existing Disease will henceforth be covered provided 48 months of continuous coverage has elapsed, since inception of the first policy with concerned Mediclaim Insurance Company.

A verdict on “PRE-EXISTING DISEASES” published by a bench of Justices Mr. S. B. Sinha and Mr. V. S. Sirpurkar of our Hon’ble Supreme Court was also enclosed for their ready reference.

Later after submission of above circular & documents, in a reply from TTK, one officials named Ms. Swarna has clearly mentioned that after completion of 3 (non claimed) years we are eligible to avail Cashless or Reimbursable Treatment in case of any Pre-existing diseases.


But, at the same time surprisingly she rejected my claim mentioning that during the time of Renewal in the year 2008-09 there was a gap of 17 days, for which they have rejected my claim. This was the second time excuse for not accepting my claim. The reason for 2nd time rejection is totally baseless & untrue. Because I am in the habit of submitting all my Renewal Premium in time. In support of my timely submission of Renewal Premium, I have attached all my documents and mainly one notice mentioning the Renewal date for my policy, which was jointly issued by Indian Bank & United India Insurance Co. Ltd. vide letter Ref. No. HO/BASC/642/2008-09 dated 05.08.2009.

Sir, I have been admitted in another Nursing Home (ORCHID NURSING HOME, PHULBAGAN, KOLKATA) for taking 2nd cycle Chemotherapy under the guidance of Dr. G.S. Bhattacharya. (out of 6 cycle chemotherapy, this is the 2nd cycle, rest 4 cycle to be taken later on).

Sir, during these days I have again submitted my appeal to allow me to avail the CASHLESS BENEFIT OR REIMBURSABLE TREATMENT through various emails, copy marked to various Officials/ Departments (if required then I can submit all my correspondences along with the enclosures). This time another Official from Chennai Office named Ms. Amina has contacted me as well as my younger brother. As I have been admitted for 2nd cycle Chemotherapy, so my brother Mr. Prasun Kumar Dey contacted her and informed briefly the matter. Ms. Amina said that she would let us know the outcome within a very short time.

I repeatedly requested her that time is too short and we are running penny less so we are eagerly waiting for a positive & quick response from them. But, surprisingly no response has reached us so far.

Sir, inspite of a genuine, non-claimed policy holder for last 4 years, already I have lost thousands of rupees for not accepting my appeal. I have completed three days in this Nursing Home. And till date no response has come either from TTK or from United India Insurance Co. Ltd.

Both TTk & United India Insurance Co. Ltd., Chennai are jointly harassing me by highlighting/mentioning some FALSE/BASELESS & UNTRUE excuses which is not acceptable at all. (as I am in the nursing home, hence my younger brother is writing this letter in favour of me).

Kindly help me out & save my life.

With regards,
Prasun Kr. Dey (Mobile : +91 [protected], email id : [protected]@yahoo.co.in)
(brother of Mr. Pranab Kumar Dey, Patient)


For Pranab Kumar Dey (Mob : [protected]) email id : [protected]@yahoo.com
(Patient) Age : 47+, Admitted on 12.01.2010 at ORCHID NURSHIN HOME, PHULBAGAN, KOLKATA
TTK ID Card No. CHE-UI-IN[protected]A
Pre Authorisation No. CHE-1209-PA-0002517
Policy No. “ 010500/2009/[protected]/1


Copy to: United India Insurance Co. Ltd., Chennai Office
Copy to : MR. T.T.JAGANNATHAN, Director
Copy to : MR. K.SHANKARAN, Director
TTK Heralthcare Srvices Ltd.


Copy to : Dr J S L PRASAD
CHIEF MANAGER
GRIEVANCE DEPARTMENT
HEAD OFFICE
CHENNAI.

i took mediclaim insurance from united india insurance in the year 2007 and have been paying the premium regularly for 3 continuous years . whn i applied for cashless treatment my claim was denied for the reason that i paid the third year premium in another branch, so that it would be treated as fresh policy.and i could claim benefit only if i pay premium for 3 more years. after protest i was able to get only 25000rs as claim amount while the sum insured was rupees one lakh. there is no use in taking any such policy as united india insurance is playing fraud and cheating policy holders.

Subject: Regarding Bike Insurance Claim Policy No. 071803/31/07/01/00009345
Vehicle No. : KA-51-K-4365

Dear Sir,
I am stated with the way my bike insurance claim matter has been handled by the team o[censored]nited India insurance. Enclosed is the list of events that happened in past few months and due to which i lost all my faith in insurance industry.
1. My bike Bajaj Pulsar 150 (2007 model , Vehicle No. : KA-51-K-4365) got stolen on 4th october 2008 from koramangla.
2. The bike was recovered by Vivek Nagar police station.
3. I inquired from insurance office and as suggested by them, I submitted the insurance claim form with all the relevant documents on 2 feb 2009. PS. "Receipt on a paper as Received letter for Traced Vehicle and ALL Vehicular documents. Signed 2/2/09"
4. I was told that the after the inspection of the bike at the service centre by insurance company inspector the evaluated and approved amount would be approved and the bike servicing order would be released to the service center [Amba Bajaj boman hali hosur road 560068].
5. The inspection of bike at service center was done by Mr. Dev anand [Mobile : [protected]] and I was told that the the inspection has been done and he had submitted the report at bangalore office o[censored]nited Insurance.
6. A few weeks later I was called by the service station that there has been no release order for servicing of bike from insurance company.
7. I called up Mr. Dev anand and he said that there he had submitted the document and another inspection from police station is due. But still after few weeks no response was given to me or the service station office.
8. I went to United Insurance office and was told that I had to submit another document from the police station stating that the bike has what kind of damage and what should be the repairing cost involved. Upon showing the recipt i had got stating "Receipt on a paper as Received letter for Traced Vehicle and ALL Vehicular documents. Signed 2/2/09". I was told that where does this specifies that police document is received. and to add to my frustration that its my fault that I didn’t submit the document
*Why wasn't i told that this document is required at the 1st time?
my simple question is why wasn't i asked about leaving document[i dont know how many more i am supposed to ..] at the time of submission ??
Isn't their responsibility to check if for a particular claim / form if all the documents are submitted ???
And i must tell the the lady did recheck the list twice before giving me the receipt for the application submitted .
9. With due respect sir I was never told at the time of application and other document submission [2/2/09]about this new document from police also when I myself had asked insurance office before recovering the bike from the police station if any inspection or concerned authority need to be present at the police station before receiving bike .But I was told that to collect bike and submit bill from the service center and submit the FIR/insurance copy etc documents that I did and I must say till then the staff was really very co operative they even promised that it will be an easy procedure and I needn’t panic . Now after so much time I was told about this new document.
Why didn’t they tell me about this new document when i submitted the application ?
Why did they ask only after several phone conversation and weeks when i personally visited and inquired about the status ?? I did go to the police station but they say that they are not practically the service / mechanic guys to evaluate the damage they had done their job and if the insurance people want they can always check at the police station.

Sir in this whole story where is my fault the last communication I had from insurance office was that bring the document from police station or else there is nothing can be done. Sir the bike’s damage cum stolen parts are worth 38,602/- Rs which is a huge amount I have already spent so much time and money in this whole police station - insurance - service station personal visit and phone conversation process.
Every week I am getting call from the servicing company for Bike service order status and there isn’t a single penny help from insurance office instead rude behavior .The service station people are also losing patience.
Is this the way customers are treated United Insurance? Rather i would say cheated .. I don’t know if you understand my situation or the mental harassment I am going through with all this sufferings that too without me being at any fault. I would be highly obliged that if someone could look into this matter personally.

I always respected and admired the UNITED INSURANCE group services but all my beliefs and trust is devasted after this sudden change in the behaviour of the staff / company when it comes to claim process of your loss.
For sure i am not going to recommend any one to take insurance from United India, i am anticipating a quick resolution from the insurance company side as it is getting almost a year for which i am suffering and frustated without a mistake of mine.

Please help me to get claim from insurance company and suggest me an option to initiate a legal action against UNITED INDIA INSURANCE.

Regards,
Kunal Joshi,
[protected]

We are one of your client and dealing with you more than 5 years.Now we are facing problems that your field staff is coming to our office only in mid-day, around 1 O' clock and will not come later to collect the covers for delivery. The outward covers will only be ready around 5 pm and your persons are not at all coming to collect the covers,though we repeatedly demanded to them come and collect the covers but our request fell in dumb ears. so we are entrusting the covers to Speed & Safe Couriers because no other option. Yesterday our office staff have approached your office to hand over some covers to deliver and they said that we will not collect your articles since you are not a good client and demanded more money. We are ready to share the covers with you, only one condition that your persons should come and collect the covers in the evening because as a public sector undertaking company, office staff is short to do outward works well before the evening.

K N SURESAN
BRANCH MANAGER.

I have submitted a medical claim reimbursement for cataract surgery under policy no.030800/48/08/20/00005414 with United India Insurance Co. Kolkata and their (TPA) Heritage Health TPA pvt.ltd on 1st week of August 2009 with acknowledgement of claim no. 1001495 and 1001841.Post submission there have been no communication from the TPA .Whenever I rang up enquiring about the case they asked for a new document. It reveals that they are not serious in resolving the case and has been looking for pleas to delay and not settle the claim.The contact details
Details of Insurer and their TPA provided below. request if this be raised to the right desk for resolution

1.United India Insurance Co.,DAKSHINAPAN COMPLEX 2 GARIAHAT ROAD (S) DHAKURIA KOLKATA WEST BENGAL-700068 ,tel :[protected]/[protected]/[protected].
2.Heritage Health TPA pvt.ltd
McLeod House, 3 N. S Road,Kolkata -700001,India,Ph.- [protected], Fax[protected],
Email : [protected]@bajoria.in

Dear Sir,

This is to informed you that I had claimed for Re imbursement from UI (For Viral Fever) during August'09.

I had claimed for Rs.6313/- but received only Rs.3841/- and they have deducted remain amount for some unvalid reason i.e for Visit and consultation charges as per room rent category, NP as per limit for room and nursing charge is 1% of SI and etc.

But i want to tell you that this new terms and condition is valid from Mar'09 but i have not received any policy or Terms condition booklet from UI till date.

Then how can they deduct this amount without informing new terms and condition.

My Policy No is 180500/48/09/97/00002181
Insured Name: Parthiv J Vaghela
Address: 218-Ashirvad nagar, Opp.Dargah, Gorwa, Baroda
Hospitalisation between 24th Jul'09 - 27th Jul'09
Reference no given in subject line
Diagnosis is Viral Fever

They can check their records and see that we have still not received original policy and new terms and conditions book.

I had purchased a Tata Safari in the month of May 2009 which got stolen in June 2009 just after a month of buying it.

After a lot of visits to police station (Malviya Nagar PO, South District, New Delhi), an FIR was lodged and I was told to wait for one month and then will get an Untrace Certificate. The police personnel were categorical in telling me that no recovery happens and within few hours of theft the car either gets dismantled in Moradabad or Meerut or crosses Delhi and UP and reaches either Bihar and Nepal.

I was surprised at the honest (sp-called) and bluntness of the Police.

I waited for 5 weeks and then again after making more than 60 rounds of police station at odd hours (to catch up with Investigation Officer on duty), I got the "Untrace Certificate".

In the meantime, I kept honoring my bank instalments without fail as I was told that whatever happens I have to honor the instalments to the bank else they would again file a suit against me for non-payments and blacklist me for any further financial transactions with all the banking institutions.

After getting the "Untrace Cert.", as told, I approached the United India Insurance (5th Floor, Kailash Building, KG Marg, New Delhi) and there I came to know about a very peculiar thing.

I was told that my car was over-valued while getting insured and I will not get the value from the insurance company in accordance with the insured value but approximately 25, 000 less than that.

When I probed more then some of the officials accepted that it was the fault at company's end whose concerned department and the employee had overvalued my car while insuring it. Perhaps the most obvious reason was to get more money in premium and subsequently higher incentive for the sales person.

(Here, please note that not only the cover note of the insurance had that amount but also the main policy papers that reaches at our home subsequently had the same amount mentioned on it)

Like this there can be thousands of cases which are not stolen and reported but the owners keep paying the extra premium throughout the life of the vehicle. I am sure this would be a multi-billion scam..

I was also told by some of the office staff members at United India Insurance that, its better to avoid lodging any formal complaint which in turn would take not take less than 4 months to do internal scrutiny and would cost me much more in terms of interest loss at the Bank loan's end...

I am clueless on what to do as at one side I am still paying everyday interest to Bank, honoring all my instalment cheques without even having / using the product / service that I had bought. It has already been more than 2 months of constant visit to RTO Office, HDFC Bank different branches, Police Station, Insurance Company, Tata Motors Dealership for information pieces etc..

Its really sad to know that I am paying the price of dreaming big, upgrading my car, aiming for a better lifestyle and the cost of living in a lawless society..


The entire episode questions / touches a lot of issues, viz..
- The tall claims of car manufacturers on foolproof security system (Central Lock, Engine Immobilizers etc)
- There is no system at the manufacturer's end which puts the car registration, engine and chasis number on red alert and take prompt action once any of its dealership / service centres services the same car
- The Consumer Rights on paying for the service when he is no more using it
- The relevance of the "Foreclosure Charges" of as high as 6.5% charged by the bank at the time of closing such cases. The Bank needs to understand and consider that its not a normal Foreclosure case but its "Forced Foreclosure" as the consumer dont have any option and the matter has been reported to the Bank, RTO and The local Police Authorities



Thanks

Dear Sir,

My self Mr. Tejalkumar Chandravadanbhai my policy detail as below.

Policy No :- AHY01000837

Claim Ref. No :- CCNMR[protected] Claim dated :- 13.05.2009

R/s sir, I want to know the status of my claim & please advise when it can be setteled.

Wait for your favorable early reply.

thanks & Regards,

Tejal Soni...

Unjustifiable deduction in settlement of mediclaim on the grounds of being in excess of the permissible limit a condition which does not exist in the Policy and cannot be justified by the Company. I have read similar complaints on your forum and would like to join hands with anyone willing to do so in the pursuit of justice in the settlement of claim as per contract and obligation of the company.My email id is [protected]@hotmail.com

I am very sorry to state the anti-consumer behaviour of the staff of the United India Insurance Company, Chennai.

I have a two wheeler which has been insured with United India Insurance, who never bothers to send renewal notice, due to which, I had to incur heavy loss. Other insurance companies like New India Assurance regularly sends premium renewal notices every year and the approach of the staff also is very friendly, whereas the services provided by the United India Insurance is far from satisfactory. If any one visits any of the branches of the United India Insurance, they can witness always a long que, and quarrels between the public and the staff and enormous delay from the staff. For the last two years, I am spending more than 6 hours in a day at the office for paying the premium. Some times they mercilessly send back the people instead of trying to solve their problems. One can imagine the quality of services provided by them. The staff members never bothers to solve the problems of the public who stand for hours together.

dear sir,

i have taken 2 mediclaim policy from united india insurance company ltd for my whole family 1 for my family means me my wife and my kid and 2nd 1 is for my father, mother and brother the policy is in the under of raksha tpa, raksha tpa is working in under united india insurance company ltd my policy num is 082500/48/07/20/00000033 policy period 16 apr 2007 to 15 apr 2008 insured name nitin malhotra thats me, claim in respect o[censored]tkarsh malhotra my son claim ref no[protected] claim amount rs 15365 only and my father's policy num is 082500/48/07/20/00000308 policy period 10/07/2007 to 09/ 07/2008 insured name sunil kumar malhotra that's my father, claim in respect of sunil kumar malhotra claim ref no[protected] claim amount rs 18583 only, my son is sufferd by tified on 22/09/07 and admitted in rahi medical centre kanpur on 23/09/2007 and discharge on 30/09/2007, and my father that is sunil kumar malhotra is sufferd by jhoindis on 26/08/2007 and admitted in rahi medical centre on 26/08/2007 and discharge on 01/09/2007. when we have contact raksha tpa for claim they want to see our papers of addmission of both the patient we have sent them all papers then we have corrospond them many times but there is only one response in both the clamims that send that paper send this papers we have send them all the papers and at last they have send a letter that we have closed your file and now no corospondece the last letter from raksha tpa is on 10/07/2008 now sir tell me what to do sir i have contact raksha tpa on phone also but there is no response sir please do something
thanking you
nitin malhotra
address ... mig 161 sector 3 barra 2 hemant vihar kanpur 208027, my phone num is [protected]

Complain Against Medi- Claim Policy o[censored]nited India Assurance Co. Ltd.


I am holding medi claim insurance policy o[censored]nited India since almost 10 year for Rs. 5 lacs which was converted to Rs. 7, 50, 000/- since past two year under their cash less scheme

Recently I undergo for the by-pass surgery for which request was made to the company for the settlement of the claim amount for Rs. 3, 60, 000/- to the hospital but I was been told that insurance company will not bear any charges more then Rs. 2, 00, 000/- as per the new term and condition issued by the head office.

I like to know feed back from company that if you have upper ceiling of Rs. 2 lacs then why they had issued the policy which is worth of Rs. 7, 50, 000/- and charge the premium to the client. Also like to know that why you had not inform separately to each of the policy holder regards to the same since in most case such wording mention in term and condition of the policy never read by policy holder at the same time agent of the company also not inform to client regards to the same

I was also inform that due to representation made by several people the rule which was brought in was removed, but the same will be applicable only to those policy which will be renewed from March 2009 onward. Again this is wrong on part of insurance company because when you had not change any premium or any other details then why it should be for all the policy holder rather then just new policy


I will also glad if any one at this forum can reply a solution to get the claim my email ID is [protected]@tcmail.co.in

Subject: issue the cards for the policy…….

Dear Sir,

Many a times the mail was sent to you to issue the card for the INDIVIDUAL HEALTH INSURANCE POLICY form your company. The policy no. is 180100/48/08/97/00001103.The policy was taken on 06/06/2008. I sent the mail to [protected]@uiic.co.in, [protected]@uiic.co.in, [protected]@uiic.co.in . But till the date, complain remain unsolved. So you are requested to do needful urgently to solve the same.

Expecting the quick reply,

From,

ALPESH MEHTA,

(IIIrd REMINDER DT.30/10/2008)
DATED :[protected]

The Manager,
Grievance Department
United India Insurance Co.Ltd.
8th Floor,
Kanchanjunga Building,
17 Barakhamba Road
New Delhi-110001.



Sub: Policy No. 042500/48/08/97/00001129 with DO 25 Karol Bagh 42500 in
the name of Mrs.Neelam Chadha.

Claim Ref. No.[protected]

Dear Sir,

My wife Neelam Chadha was admitted in Mata Chanan Devi Hospital on[protected] due to Enteric Fever, Headache, Back Bodyache & pain in abdomen and discharged from Hospital on[protected]. With all formalties & requirements, I had submitted all my Documents & Reports in Original with Hypothyroidism Certificate of Dr.V.K.Goyal, Sr.Consultant from Mata Chanan Devi Hospital dt.[protected].

I had submitted a total bill of Rs.56522.00 (Rupees Fifty Six Thousand Five Hundred Twenty Two Only) with all the original Doctor prescriptions & Receipts of Mata Chanan Devi Hospital.

But to my surprise, I received a cheque of Rs.49, 121.00 (Forty Nine Thousand One Hundred Twenty One Only) with no payment advice/deduction details on[protected] after my repeated visits of Insurance Officer. After enquiry from the Mediclaim Officer, I learnt that they have deducted the amount of MRI & Physiotherapy charges as ‘not allowed’ which was done by Mata Chanan Devi Hospital during admission.



Contd..2/-
-: 2 : -

As my wife, Ms Neelam Chadha was suffering from Enteric Fever with unbearable fever back pain & Headache the Sr.Medicine Consultant Dr.V.K.Goyal/Dr.Amit Baweja had recommended my case to Physiotherapy Doctor & Doctor of Neurology Deptt. Neurology Doctor had recommended MRI tests for fever back pain due to long Enteric Fever .

It is for your information that I and my wife Neelam Chadha is a policy holder of your company for the last four years.

As desired by the Mediclaim Officer, I submitted all original documents & Certificate from Mata Chanan Devi Hospital. If the Mediclaim Officer had any doubt, he should enquire from Hospital authorities but Insurance Company should not deduct the genuine amount claim paid by me .I am enclosing the photocopy of Hospital Discharge Slip & Hospital Bill for your information and necessary action at your end.

I humbly request you to reimburse my balance amount of Rs.7200/-. I shall be very thankful to you.


Yours Faithfully


(SANDEEP CHADHA)
BLOCK CC 21-D,
LIG FLATS,
HARI NAGAR,
NEW DELHI-110064.
M NO.[protected]
Tel No.[protected]
Email ID : deep.[protected]@gmail.com

C.C. : Head Office, Manager, Grievance Department, Chennai

Encl : As Above.

hi,
This is Jyoti here, after seeking all solution, this is the only step left to look for help from here, as we have made insurance of our car from united india insurance and our car met with accident on 6th jan, 2008 in which i lost my brother and we have completed all the documents needed to satisfy with their requirements and we are now just not getting any claim from them as of now its been 10 months which is suffice time to get it settled and our car was still running on loan and even that will be increasing . kindly guide us to solve this situation at earliest becoz with so much suffering been already done to us .

thanks & regards:
jyoti gaur

I have purchsed a mobile (Nokia N-73) from my HDFC credit card (Card no [protected]) on 21st august,2007, I have lost my mobile on 23rd august, 20007 in the market when i was purchasing some grocery.
When i have contacted HDFC credit card department he has given me a no . o[censored]nited Insurance co ltd,After sending details of bill and covering letter, he is saying that mobile is lost in public place which is out side the scope of policy.
" things are always lost in public place not in home" I need my problem will resolve as soon as possible.
AS per agreement if i lost or stolen any thing which i have purchased from credit card, i am insured of Rs 50000.
Now i need justification about it