| Address: Mumbai City, Maharashtra, 400077 |
I am a non resident, and had visited mumbai for two days in end of february. I was approached by hdfc life executive for a term plan.
I had clearly informed him that i have only one day, hence if he can get all the medicals and formalities sorted out within a day, i am ready to take the policy.
Hdfc life then sent me an email for an appointment with appollo hospital for a list of test on the very next day.
I visited apollo hospital and conducted all the tests that was required giving a clear medical history. An infection which was seasonal was also informed to the doctor and doctor confirmed it was not required to be mentioned in the tests etc.
The premium installment was withdrawn from my account.
I proceeded back to uae, and the ordeal started.
I received an email that i need to conduct further tests at mumbai. When i spoke with the hdfc life personnel, he informed that when i was sent the first list of test, hdfc life personnel forgot to include the other tests that were now being requested. I told him clearly that i am not returning to india any sooner and was asked to submit the entry and exit pages of my passport to confirm i am not in india.
However, inspire of clarifying this, the emails and letters to my residence continued and all my representations and information fell on deaf ears.
I gave hdfc life a complete description of the situation, still i kept receiving emails with fresh and different requirements for medical tests with appointments at apollo hospital for the test.
Finally, i have received an email from hdfc life stating that the policy is cancelled.
No explanations or clarification was provided by hdfc life when it was the mistake of hdfc life to have missed out on the medical tests in the first place. Inspite of confirming to hdfc life that i have never undergone any of the tests listed, they repeatedly kept harassing me for further tests, when it was the hdfc life officials at faults for errors in initial medical request, and understanding of the situation.
I have still not received any refund for the premium paid, nor an explanation for the lack of systems and procedures and finally it is us, the customer, who are harassed for poor service and understanding of the companies.
I will be pleased to forward any further details that may be required and can be contacted at saket [protected]@gmail.com, although i do not expect hdfc life to even acknowledge or respond having a first hand experience of their poor service.
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