Two years back, I had availed a HDFC Ergo health insurance policy, bearing no. HN15042010000305 for a term of two years.
This policy was provided to me as a valued credit card customer, where in I pay thee premium for 1 year and next year premium would be paid by the company.
This year policy expires in April and I got calls enquiring whether I was interested in renewing this policy.
From thee month of Feb I used to get these calls and I consistently rejected the offer of renewing this policy.
On 25 Mar I received a SMS from "TD-HDFCGI" stating the following:
"Dear Customer, as per your tel. confirmation we will debit your credit card a/c for health renewal HN15042010000305 in next 3 days.
Please maintain sufficient balance."
This came as a shock to me as I has rejected policy renewal offer multiple times.
Thus I called HDFC Ergo help line (1800 2 700 700) on 26 March and registered a request, bearing no. 004662335 to stop my credit card a/c from getting debited. I was informed that it would be taken care.
Today, on 27the March I received one more SMS stating that my HDFC Bank credit card has been debited for HDFC Ergo Ins. policy premium.
This was utter nuisance and was totally unacceptable.
I again called thee HDFC Ergo help line today and informed the problem and requested them to revert the debited amount.
I am being assured of this being done in next 72 hours.
The whole purpose of me writing this incident here is to highlight the double standards these insurance companies have.
How can they renew thee policy stating that I had confirmed for renewal over my tel. conversation which I never did?
I would request thee Insurance company to provide a proof of the same.
If not, I would want thee company to pay interest on the amount debited for number of days from my credit card a/c.
This is the same procedure which most banks follow when a customer fails to pay a premium/credit card bill before his/her last date.
Secondly, policy renewal should not be done over tel. conversation.
The customer should be asked to submit a written request or for convenience can be asked to fill an online form.
Hope appropriate action would be taken and some relief would be provided to people who have experienced similar problems.
Thanks in advance!
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