I Dr. Sagar More has taken policy with kotak life insurance in december, it was adviced by Wai Urban Bank (I had taken loan of 32 lakhs for hospital). Initially kotak agent (Mr. Amar Jagtap ph- 9890087044) introduced by WUB gives me offer of 3lakh of premium (non refundable) for cover of 32 lakhs, I refused them they directly come down to settle at 1 lakh still I refused. I inquire at LIC office they told me premium of 46000/- with cover of 32 lakhs. I told to WUB regarding that, they said will talk to kotak agent. Later I got call from same kotak agent that we will do it in 50000/-, I agreed as they have tieup with WUB & I am old customer of WUB.So Ipaid the agent by cheque in december . after that I get three times call from kotak bank regarding opening of account in there bank, I refuses them. At last call I told them not to call again, just day after that the same kotak agent call me and said they have found high nicotinine level so will have to pay 6000/ more (Almost after one month of mypaymentof premium). As I am not smoker I ask him to produce the xerox of high nicotinine level for which agent saya its confidential bank cannot show you. Then same agent advice me to get it done nicotinine level from out side and said challenge the bank. I did nicotinine level from golwilkar lab for Rs.1200/and handed to the same agent to proceed forward. After two days same agent call me and said that you will have to pay the 6000/- .I ask him about the written report regarding my complaint, he replied that your nicotinine level is normal but you have given sign of occassional smoker so you will have to pay. now I ask him that why he told me to do nicotinine level he straight way refuses that he told me to do. I ask for copy of my signed paper he refuses. I told to cancel the policy he says only 10000 will be refunded. Now I got doubt on agent so from internet Ifound kotak insurance free toll no. and call them. When i talk to them they told me that local branch has stopped processing saying I am smoker. I ask them regarding my report of nicotinine level they told yet have not recieved. Mumbai kotak branch told me every processing done from local branch so contact there. While every time agent told me everything is controlled from mumbai branch. All the statement are contrdictary and irresponsible.
Dr. Sagar More, Pune
docsagmo@ yahoo.com
9822529950
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