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Raghavendra R
@mr_raghav

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mr_raghav's Timeline

Commented on own review

Oct 28, 2016 01:55 PM

@kolarkrishnamurthy, Hi Sir, Policy with Max Bupa is pure accident insurance but the policy with Apollo Munich is accident insurance with few medical benefits. Can I claim for Tax Exemption in this. I had medical disclosure problem with Apollo as well as Max. In case of Max, the problem was... with them (their policy documentation) whereas in case of Apollo, the mistake was from the agent which was solved within few days with a single email whereas Max is prolonging the issue unnecessarily. I have few discrepancies which are not related to Accident policy such some skin problems, smoking/drinking habits. Those questions are not necessary and not mentioned in online application of Apollo and Max but Apollo agent used wrong form and Max added them in Policy Document without my concern. It was solved but again today a lady from Max Bupa with HIGH EGO called me answering like an IVR. I believe direct agents never reveal anything. Its better to do buy by self. Thank you for your concern and patience sir.Read More

Commented on own review

Oct 28, 2016 01:45 PM

@maxbupa Service request number 1145157 for Disclosure of Medical Information - Post Issuance is solved. Service request number 1140521 for over payment by Phone support by giving wrong information and dishonor of discount is not resolved yet. Policy number is 30593304201600. Sorry, I do no...t want to share my contact details in open forum. Please rectify or clarify asap. Thank you.Read More

Commented on own review

Oct 28, 2016 01:40 PM

@nirmalchristopher Bro, I can understand how frustrating it is. Even though I have finalized HDFC for term plan, I have read similar issues with HDFC as they take nearly 45 days to issue the policy. And Max Life was confusing regarding Smoker/Non-Smoker part and is going to be merged with HDFC. R...eading online reviews and friend's advice, I have finalized ICICI. Even before writing this review, the policy documents were delivered by ICICI but my family didn't told me (I stay away from family). Do not cancel the policy after receiving. Otherwise, you have to go through all the process with other Insurer. Remember, after 3 years of completion, they can't refuse the claim on any grounds (except cases such as 'Drink & Drive') but yes they may delay the payment and it is same with every insurer.Read More

Commented on nirmalchristopher's review

Oct 21, 2016 09:22 PM

'....(i am a financially illetrate)........'? I doubt...

Commented on toanuraggupta's review

Oct 21, 2016 09:17 PM

Try to read Policy Document, Terms & Conditions, Policy Wordings to know what you exactly bought. Do not rely on what the advisor says.

Commented on own review

Oct 20, 2016 03:57 PM (Updated Oct 20, 2016 03:59 PM)

@kolarkrishnamurthy Hi sir, thanks for your concern. I have read the policy wordings and T&C from the web site spending many days and I am satisfied with the product and agree to T&C and Exclusions but my concern is only with the Policy Document wherein it is mentioned as NO instead of NA. My ...case is forwarded to Medical Team and they said that I am on recorded line and my policy is accepted with my Disclosure of Information without any extra premium and issue is solved. But there is no written commitment from their side other than an email service request numbers. 'Always call insurers people to come to yr place.......' What do you mean by that.? I never trust any insurance agent even if he is my close relative. BTW there is no I.T. Benefit for this policy as it is Personal Accident policy and I never ever invest money for the sake of I.T. Benefits and I buy insurance for protection not for investment.Read More

Reviewed Niva Bupa Health Insurance

Oct 18, 2016 12:09 PM 41826 Views

I wanted to take Accident Care insurance online and contacted phone support. I have been charged Rs.6618 whereas buy online option comes at Rs.5955. Phone support cheated me on that part. Policy was issued but some unrelated questions mentioned in the policy document for which answer is given as...Read more

Reviewed ICICI Prudential Life Insurance

Oct 18, 2016 11:39 AM 47388 Views

When it comes to Insurance, always go for Term Plan and only up to Retirement age. ICICI Pru Online Term Plan is very good. I preferred this after extensive research online and analysis. Medical Tests were done at the comfort of home and policy issued very quickly. No extra premium loading. B...Read more

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