Mar 20, 2017 12:52 PM
2330 Views
Recently I was looking for taking an online Term policy. ended up with Easy Policy website. One of the sales people called me and was explaining me about the option and she was talking high of HDFC life "Click2protect" as right policy for me. Logically it sounded agreeable. I made my online payment.
It took 1 week asking for the documents. Had to undergo medical check for this which appointment to be made through HDFC Life insurance.
After two weeks of time they fixed for an appointment with a scan center in our area. Easy policy guy told me it would be half an hour test. I was not told what are the medical tests involved. After 12 hours of fasting, I went the next morning(it was a week day as I thought just half an hour than I can go to office). At the medical center they told there are many tests, some before food and some after. They took my blook sample. xray and urine sample and asked me to visit the place 1.5 hours after taking food. In about 30 minutes person from medical centre calls and says the insurance company Tie up with the centre is not finalised yet and so I don't have to come for the test and talk to the provider.
After a heated discussion, I left with no other choise than going back to insurance. I wrote a mail to support on the incident and about my frustration. Formal auto reply came stating will get back in 48 hours. Somebody tried calling once after two days, I was talking on my phone. They did not even try again. sent email stating we tried calling but could not reach. I REALLY DONT GET THAT. FOR MAKING A SALE THEY CALLED SO MANY TIMES. BUT TO HEAR GRIEVANCE THEY DID NOT EVEN TRY TWICE JUST BECAUSE LINE BUSY? ARE WE SUPPOSED TO HAVE A SEPARATE LINE ALWAYS FREE FOR THEM TO CALL?
After two days. guy called from insurance and fixed appointment with same centre. I was asking if you are sure that I should go to the same centre and was the tie up is all done? He said will confirm and call back in 30 mins. He called me in 10 mins.said its confirmed and sent email on appointment confirmation.(This time I insisted to have done on weekend - Sunday). Sunday morning(again after 12 hours of fasting) went to the centre, they bounced back with same reason. No Tie Up finalised yet with the provider.
WTF .! Planning to cancel my policy and ask for refund.
BIGGEST WORRY IS. SO MUCH OF PAIN TO TAKE THE POLICY. HOW WILL THESE PEOPLE COVER IN TIME OF RISK(I AM TALKING ABOUT TERM POLICY. WHERE THE COVERAGE IS ONLY WHEN I AM NOT ALIVE).
Forgot to mention that policy take through Easy policy. but started getting calls and emails from Policy Bazaar asking for submission of documents and medical check.! When Easy policy guys called. I told them. they requested to ignore those calls and emails. they get the detail of policy takers some how and reach out like this. I WARN.REQUEST.ALARM PEOPLE NEVER GO FOR HDFC Life for online policy.
