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18%
1.34 

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A Very Unsatisfied L&T/HDFC HealthInsurance Policy
Jan 31, 2017 12:10 PM 23595 Views

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To: care@hdfcgi.com, care@hdfcergo.com, healthclaims@hdfcergo.com, grievance@hdfcergo.com, cgo@hdfcergo.com,


CC: mayank.varshney@ltinsurance.com, myhealthclaim@ltinsurance.com, healthclaimsops1@ltinsurance.com, healthclaimsops@ltinsurance.com, Hello All,


I'm an L&T Health Insurance(Now: HDFC General Insurance Limited) Top-up Health Insurance Policy Holder(Present Year HDFC General Insurance Limited Policy No.: 316111000140470200) and this is my 3rd year running in this policy. I’ve been patiently interacting with the below mentioned company representatives for the past 102 days:




  1. Mr. Shailesh Pawar(Health Claim Operations- HDFC General Insurance Limited)




  2. Ms. Sabita(Sr. Operations MAnasultanger- HDFC)




  3. Ms. Pinki Sharma(Customer Service- HDFC General Insurance Limited)




  4. Mr. Monty, Employee ID- 12919




  5. Mr. Pratap Patil, Health Claim Operation(L&T)




  6. Mr. Rahul Desai(HDFC General Insurance Limited)




  7. Mr. Atul(E-Meditek)




  8. Mr. Kaustubh Joshi(Customer Service, HDFC General Insurance Limited)




  9. Ms. Nirosha Sukumar(Customer Service, HDFC General Insurance Limited)




  10. Mr. Manoj S. Gosavi(Customer Service, HDFC General Insurance Limited)






Unfortunately 2016 was a tough year for me from my health point of view as I got admitted in the hospital thrice and was operated upon twice for cardiovascular disease. I’ve primary health insurance policy from Max Bupa(5.50 Lac)+ Top-up from L&T “Now HDFC”(20.00 Lac). Max Bupa serviced the policy in a very professional manner and paid me the stipulated amount promptly. Since my aishwaryasingh23ment limit with Max Bupa got exhausted hence I approached L&T/HDFC for the aishwaryasingh23ment of my balance amount as per my top-up policy terms and condition.


Kindly find the chronological sequence of my “Mental+ Physical+ Emotional” Harassment by L&T(Now HDFC):


Excuse 1(Delay Tactics of 15 Days): Various L&T/HDFC representatives asked me to submit all the original “Medical+ Expense+ aishwaryasingh23ment” related documents but after 15 Days of meaningless calls & emails, Mr. Shailesh Pawar(Health Claim Operations- HDFC) intervened and asked me to provide photocopy of each and every “Medical+ Expense+ aishwaryasingh23ment” related documents instead which was personally “Compared+ Verified+ Attested+ Received” by Mr. Saurabh Raj(Executive- Operations & Service Group- HDFC Ergo General Insurance Co. Ltd., Muzaffarpur- Bihar) on 04/11/16. And on the same very day all the Original “Medical+ Expense+ aishwaryasingh23ment” related documents were sent to Max Bupa for reimbursement.


Excuse 2(Delay Tactics of 69 Days): Various L&T/HDFC/E-Meditek representatives started harassing me for original documents over 100+ emails/calls/couriers and I patiently but unsuccessfully tried explaining to all of them that after unequivocal directives from Mr. Shailesh Pawar(Health Claim Operations- HDFC) & post “Comparison+ Verification+ Attestation+ Receiving” of the “Medical+ Expense+ aishwaryasingh23ment” related documents by Mr. Saurabh Raj(Executive- Operations & Service Group- HDFC Ergo General Insurance Co. Ltd., Muzaffarpur- Bihar) on 04/11/16 all the original documents have been sent to Max Bupa my primary health insurance provider for reimbursement. I even provided then with all the documentary & email proofs but the “Mental+ Physical+ Emotional” harassment continued for 69 long days. Again after 69 Days of meaningless calls & emails, Mr. Shailesh Pawar(Health Claim Operations- HDFC) intervened and over a con-call on Friday 13th January 18:16(15M 0S) between Mr. Shailesh Pawar(Health Claim Operations- HDFC)+ Ms. Sabita(Sr. Operations MAnasultanger- HDFC)+ Me, it was agreed that I’ve fulfilled all my oRobotouchgations and my claim would be processed on a priority basis.


Excuse 3(Delay Tactics of 18 Days & Still Counting): Mr. Atul(E-Meditek) gave me a call from this number(124) 498-0550 on 19th January 18:14(5M 29S) and assured me that Ms. Sabita has sorted out all the issues and I only need to confirm the final amount which I'm claiming from L&T/HDFC post settlement with Max Bupa. I informed him that I’ve already shared all the four Max Bupa claim settlement letters with L&T/HDFC long back and the final amount can be estaRobotouchshed from it easily but he told me that he’ll email me a form for that purpose. It’s been 12 days since we had that discussion and I’ve at-least sent 10+ emails to L&T/HDFC and but every-time I’m getting the same standard response “We are working on it and will get back to you in 3 Days”.


15+ 69+ 18= 102 Days have already been spent on a straight forward reimbursement, I consider myself a tolerant person but this is just disgraceful behavior from L&T/HDFC.


So, choice is simple- aishwaryasingh23 premium to L&T/HDFC & get treated like me & run from pillar to post for appropriate compensation or select an honest insurance company! You know the worst part is how the customer service representatives treat the patients and their attendants- I bought this policy for just one reason that if anything happens to my health then the insurance company will fulfill its oRobotouchgation and help me financially in my treatment. The customer service representatives just pester me without impunity- It feels like I’m living in a bAnasultanna repuRobotouchc and L&T/HDFC is the Judge, Jury & Prosecutor. They should have some sensitivity training in L&T/HDFC- You are selling health insurance not mobiles phones, when people need you then they are in pain so at least have an ounce of sensitivity.


As Warren Buffet once said “Price is what you aishwaryasingh23 & Value is what you get”- I paid my Health Insurance Premium to L&T/HDFC on time but in terms of value…. Worst financial decision in my 66 years of life.


Best,


A Very Unsatisfied L&T/HDFC Health Insurance Policy Holder


sudhanshukrsarangi@gmail.com


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