Please Do Not Buy HDFC MediClaim They are Big Cheaters

A Medical Insurance is most needed in case of an Emergency and that is the reason why anybody takes one. We also took one Family Health Insurance Policy from HDFC Ergo, a So Called Very Famous Health Insurance arm of HDFC Bank dated 15 Dec 2012. The Biggest mistake  I made to switch from Tata AiG Health.

My Policy no. is 2825200389588301000 and my Cashless card no. is 2825200389588301000. The expiry date of my policy is 14th December 2014.

We faced an emergency situation on 03rd Feburary 2014 when my wife Mrs. Samira Surabhi Gupta suddenly had an acute stomach pain and had to be admitted at CHL Convienient Hospitals Ltd. , A B Road, Indore (contact no. - 0731-6622222). This hospital is one of the Network hospitals of HDFC Ergo. The doctors identified it as the problem of multiple stones in the Gall Bladder. I informed Third Party Administartors (TPA) and completed all the formalities.

On 04th Feburary 2014, the doctors decided to operate my wife. But, when I went to enquire about funds through TPA, they told me that HDFC Ergo has declined my claim saying that it is a new case of surgery and is not covered in the policy!!! I don't accept it as a valid reason as nothing was mentioned to me about all these things during the time I was taking the policy. Their agent never said anything that some diseases might not be covered under the policy ?

What do they cover then - Cough, Cold and fever?

I was in shock as I had to arrange for a heavy sum suddenly. I arranged the amount somehow and deposited in the hospital. Thankfully, my wife's operation was successful. All thanks to the doctors and the almighty.

But, she suffered a lot because of them. We were under a lot of mental stress just because I made a mistake of taking my Family Health Insurance from a faulty company like HDFC Ergo.

Now I have a question. Why did the HDFC Ergo agent not inform me about these things when he was running behind me to take the policy ?

At that time, he came across to me as an agent of a company which is the best in the world and never lets its policy holders' down? How come then when I needed them the most, they have shrugged off their hands?

They give big claims when they are chasing you to take the policy. The claims from HDFC Ergo to me were:

Optimum health insurance coverage at an affordable price
Option to cover on Individual or Family Floater basis
Option to choose health insurance plans from an annual or two year policy
Cumulative Bonus for each claim free year
Provides Cost of Health Check up after 4 claim free years
Cashless Claims Service across India at 4000+ network hospitals
No medical check-up upto 45 years of age
Income Tax Benefit under Section 80D of the Income Tax Act
Hassle free claims Process with minimum documentation and turn around times
No Sub-limits on any disease, room rent, hospital charges and doctor fees.*

Nothing was mentioned anywhere that certain diseases will not be covered. I am
already nearing the maturity date of the policy and yet I am not eligible for the
benefits!!! I feel like I have been cheated by HDFC Ergo. I could have gone for
some other health insurance and not wasted my time and hard-earned money on them.

There are hundreds of good health insurer providers out there.

I want them to pay me back the amount which I deposited. I have all the required
documents but don't know how to proceed. Nobody in the HDFC Ergo is guiding me on this.

I request all those who have any idea how I should go about in this, please reply
back to me. I am a disgruntled customer and I know only customers like me will be able to guide me properly on this.

Also, I request all of you to never ever go for a HDFC ERGO FAMILY HEALTH POLICY.

HDFC ERGO Health Suraksha cheating,
HDFC ERGO Travel Insurance complaints,
HDFC ERGO Customer Care,
HDFC ERGO Claim Form,
HDFC ERGO Mediclaim,
HDFC ERGO Careers,
HDFC ERGO GIC,
Genisys HDFC ERGO,


Please
Do Not Buy
HDFC MediClaim
They are Big Cheaters
Visit
http://Bank-Consumer-Protection-Group.blogspot.com

HDFC ERGO Health Insurance complaints

HDFC ERGO # 2825200389588301000

Date : 3Rd Feb 2014
Venue : CHL Hospital Indore
Convienent Hospitals Ltd  Indore
http://www.hdfcergo.com/locators/

Hospital Name  : CHL Convienent Hospitals Ltd
Address          : LIG SQUARE,A.B. ROAD,PINCODE-452008
Contact No  : 0731-6622222


Poor policy from HDFC Ergo, they cheat the customers and do not pass any claim, keep you waiting in the hospital, and do not give you clear statement.

HDFC Ergo Denial for Cashless Claim due to which my Wife Suffered a Lot

We have a HDFC ERGO FAMILY HEALTH POLICY. Which cover my Son, Wife and myself. My policy no is – 2825200389588301000 and my cashless card no is – 2825200389588301000 and expiry date is 14-Dec-2014. My complaint is regarding denial of Cashless service from HDFC Ergo without any Proper Reason.

This is to state that my Wife Mrs. Samira Surabhi Gupta,  is suffering from Acute Pain in Gal Bledder . On 3rd Feb 2014 I admited her in  CHL Convienent Hospitals Ltd . which is one of the network hospital of HDFC Ergo. I inform to TPA and complete all the formalities. On 4th of Feb  Doctor decided to Operate her but that time I know through TPA that my claim is denial and reason behind that is HDFC Ergo Consultant show it is a New case of Surgery  and this is not covered in that policy. At that crucial time I arrange the Big Amount to deposite and started the treatment. Doctor saved  my Wife.

But due to insufficient funds we can not able to give her proper treatment.

I need your help to get the justice and learned them a lesson so anybody else never faced this type of problem. At the time of Policy your Agent would never tell you such problems. Even at the time of Admission Hospital will also Accept your Cashless Card.

I have all the documents regarding this matter. But I don’t know how to proceed.

Please  suggest me what to do And request all of you never ever go for a HDFC ERGO FAMILY HEALTH POLICY

See their Claims :

Why HDFC ERGO Health Insurance ?

Optimum health insurance coverage at an affordable price
Option to cover on Individual or Family Floater basis
Option to choose health insurance plans from an annual or two year policy
Cumulative Bonus for each claim free year
Provides Cost of Health Check up after 4 claim free years
Cashless Claims Service across India at 4000+ network hospitals
No medical check-up upto 45 years of age
Income Tax Benefit under Section 80D of the Income Tax Act
Hassle free claims Process with minimum documentation and turn around times
No Sub-limits on any disease, room rent, hospital charges and doctor fees.*


Capt Shekhar Gupta
CEO
AeroSoft Corp
W : www.aerosoft.co.in
E  :  shekhar@aerosoft.in
shekharaerosoftcoin@gmail.com


Why HDFC ERGO Health Insurance
Optimum health insurance coverage at an affordable price
Option to cover on Individual or Family Floater basis
Option to choose health insurance plans from an annual or two year policy
Cumulative Bonus for each claim free year
Provides Cost of Health Check up after 4 claim free years
Cashless Claims Service across India at 4000+ network hospitals
No medical check-up upto 45 years of age
Income Tax Benefit under Section 80D of the Income Tax Act
Hassle free claims Process with minimum documentation and turn around times
No Sub-limits on any disease, room rent, hospital charges and doctor fees.*


18,900 RESULTS

Cancellation of policy
trust them because HDFC ergo doesnt do what they say. so for future i dont want any trouble. they have charged the amount on my card ending with 7443 long before i have received any documents stating that i have some kind of health insurance. Last week i have called the customer care and asked for policy cancellation and refund...

HDFC ERGO General Insurance Company Limited (complaint)
 BCDUTTA on Jan 22, 2014
Rejection of Cashless Claim Facility for Mrs Subhra Dutta at AMRI Hospitals, Kolkata
Insurance Company to M/s HDFC ERGO General Insurance Company with effect from 01/08/2012 and renewed on 01/08/2013, by which our policy is valid till 31/07/2014. I even received the the No Claim bonus accumulated with former Insurer as CB Amount. As on date Sum Insured for each one of us are Rs 3...

HDFC ERGO (complaint)
 Asmit De on Jan 2, 2014
Cancellation of HDFC ERGO policy Ref.: HN26112013001296
Dear Sir, I had made a HDFC ERGO Medical Insurance policy (Ref. : HN26112013001296). Although I gave consent for the said policy on 27-Nov-2013, I immediately requested a cancellation of the policy within an hour of making it through the HDFC bank agent. In spite of my cancellation request, a bill has been raised on my HDFC Bank Credit Card (XXXXXXXXXXXX7574) for the said policy for ₹782...

HDFC ERGO General Insurance (complaint)
 Shabusunil on Dec 9, 2013
Insurance cheating
claim as advised by HDFC ERGO GENERAL INS. CO. LTD. flushing and cleaning charges will allowed. Hence kindly provide your estiamte to proceed further. Sir, Two weeks back my BMW car was taken to the problem caused by hydronic lock . The revive owner intruded me to claim for the insurance and I did so this was e...

HDFC ERGO Genral Insurance (complaint)
 ankitgupta18541 on Dec 3, 2013
Molesting INDIAN Consumers using their agencies
I have been abused by HDFC ERGO's agency, while chasing for our car insurance, and when i approached to the corporate office regarding this misbehave /misconduct they said, we don't know anything, and today i have been feeling mentally harassed since 28/9/13. Seen was : My colleague got a call from 9212583170, Ms...

HDFC ERGO Auto Insurance (complaint)
 mits.kanani on Oct 19, 2013
Renewal of Policy
To, The Manager HDFC Bank Dhanbad Branch Sub: Maruti Swift JH10AC 2005 still not insured. Dear Sir, As you know my firm is an esteemed customer of your bank i.e A.MIT Coal Enterprise and the firm owns a White Maruti Swift with Reg no JH10AC 2005 and HDFC has even provided r...

HDFC ERGO General Insurance Company Ltd. (complaint)
 gangotritube on Sep 28, 2013
LAST 3 MONTH HEALTH CLAIM AMT. TILL DATE NOT RECEIVED
HEALTH INSURANCE CO, ( HDFC ERGO, ) DETAILS ARE BELOW. NAME OF POLICYHOLDER;- YOGESH S PATIL OLD POLICY NO. 2825200105908200000 RENEWL POLICY NO. - 2825200105908201000 (SILVER PLAN) DOCUMENT NUMBER MAA 1430 39050 REGARDS, YOGESH PATIL CELL NO. 9898421858 LANDLINE; 079-25857262...

HDFC ERGO (complaint)
 nandakishore.bhosle@gmail.com on Sep 18, 2013
Why my policy is not covered for Pregnancy.
its was migrated to HDFC ERGO. I have taken this policy from the HDFC Credit Card. Few days back I called the customer care execute for the claim. He said that I am eligible only if I have the policy for 4 years continuously. When I told them that I am using the card before it was migrated to HDFC ERGO, then they said that they don’t have the detail’s and asked for the policy papers of the Bajaj Allianz...



Poor policy from HDFC Ergo, they cheat the customers and do not pass any claim, keep you waiting in the hospital, and do not give you clear statement.


HCS Cardholders ( For Health Policy purchase after 1st April 2012)
Toll Free :1800 2001 999
Phone (UAN) :1860 2000 700 ( Local charges applicable )
Fax (UAN) :1860 2000 600 ( Local charges applicable )
Email :healthclaims@hdfcergo.com
Address :HDFC ERGO General Insurance Co. Ltd.
6th Floor, MBC Tower, Old no.90, New No. 199, Luz Church Road, Mylapore, Chennai - 600 004
FHPL Cardholders
Toll Free :1800 425 4075
Fax (UAN) :+91 44 3013 6747
Email : info@fhpl.net
Address :Family Health Plan (TPA) Ltd.
Srinilaya-Cyber Spazio
Suite # 101,102,109 & 110, Ground Floor,
Road No.2, Banjara Hills, Hyderabad - 500 034


Service Request
Policy DocumentsChange in PolicyPolicy RenewalCancellation of PolicyPremium RefundClaims SupportPolicy Queries
Toll Free : 1800 2 700 700
Email : care@hdfcergo.com
Customer Care
AppreciationGrievances
Customer Delight
Customer Delight
Media Queries
corpcomm@hdfcergo.com
Write to us
Registered & Corporate Office
HDFC ERGO General Insurance
Company Ltd.
1st Floor, 165-166,
Backbay Reclamation,
H.T. Parekh Marg,
Churchgate, Mumbai 400 020
Phone: +91 -22 -6638 3600
Customer Service & Correspondence Address
HDFC ERGO General Insurance
Company Ltd.
6th Floor, Leela Business Park,
Andheri Kurla Road, Andheri (E),
Mumbai - 400 059
Phone: +91 -22 -6638 3600

HDFC ERGO Health Suraksha,
HDFC ERGO Travel Insurance,HDFC ERGO Customer Care
HDFC ERGO Claim Form,
HDFC ERGO Mediclaim,
HDFC ERGO Careers,
HDFC ERGO GIC,
Genisys HDFC ERGO,