HDFC Bank — Policy 15001981

Address: HDFC Bank, Rishikesh

I had taken hdfc life policy, policy no. 15001981 in 2012. The policy was provided to me by the branch manager of hdfc bank in rishikesh. I had paid two premiums worth rs. 99, 999 per year in 2012 and 2013. Due to some circumstances, i was not able to pay the remaining 3 premiums. When i contacted the branch manager who provided me the policy, he assured me that there will not be any issue and i will get all my premiums refunded when the policy is matured. The policy maturity date was told to be 5 years. So, i was supposed to get my refund of 2 premiums in 2017 but they were not given to me. When i approached the hdfc life office in haridwar, they told me that according to my policy i am not assured any returns. I never knew about this rule that is told to me all of a sudden. I was never even provided the bond of the policy in which i had enrolled. If i was previously told that my premiums will not be returned in case i miss to submit remaining premiums, i would never have opted for this policy. There was wrong verbal communication given to me from their end and with no policy bond in hand, i could never verify the same.