HDFC ergo called in to offer health insurance which we took after the caller told certain conditions are covered. The day the policy document was received, it mentioned those conditions as not covered. Immediately called the helpline and they confirmed these are not covered and told our marketing person will never say that was covered. Anyway, I asked them to cancel it immediately and they did. What was surprising was to find changes three months down the line for this coverage in the credit card. Since I didn't realize what it was as amount was different, The payments were made. Only after further query it was known that I am being charged for an active policy which I am unaware of. Credit card company gave me the policy number and on checking with Ergo, they confirmed active policy. I asked them to cancel and they cancelled pro-rated. HDFC card is asking me to make payment for those and have fed the information to CIBIL. What can I do now? Ergo is saying I took two policies over the phone. Why will I take another policy for same amount for same person for same coverage even before my first policy is delivered? And with no history of relationship with ergo?
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