Kotak life Insurance
Cheats - Give incorrect information/charge exhorbitantly/staff knows nothing

I have a query on my policy No 01974726.

This policy has critical illness rider - How will this rider benefit me. If i am diagnosed with a critical illness - How will this policy work for me?

Page no 6 of this policy states if i suffer from cirical illness the benefit amount given to me is 200000 Rs. Is this paid to the nominee after my death? Or Is this paid to me when i intimate you about the illness and post verification you confirm the illness and pay that amount to me.

I was told by your agent that this amount will be paid to me post confirmation of illness however your representative Ram from the Contact Center informed me otherwise. He has informed me if i am dead because of one the of the critical illness mentioned in the document, my nominee gets paid.

Your policy document does not mention that only in the event of death in case of critical illness will the nominee be paid.

I NEED CLARIFICATION ON THIS YOUR STAFF DOES NOT SEEM TO KNOW WHAT YOU SELL.I AM TERRIBLY DISSAPOINTED AND THIS IS DEFINETLY BAD CUSTOMER EXPERIENCE. YOUR SALES AGENT YOGESH STATED SOMETHING ELSE, POLICY STATEMENT DOES NOT UNDERLINE THE WORD DEATH DUE TO CRITICAL ILLNESS AND THE REPRESENTATIVE ON THE PHONE - RAM SHARES RATHER DISSAPOINTING INFORMATION.HE WAS RUDE AND AND NO SENSE OF CUSTOMER SERVICES. YOUR STAFF NEEDS TO KNOW HOW TO TALK TO CUSTOMERS AND ALSO BE TRAINED AND KNOWLEDGEABLE OF THE PRODUCTS YOU SELL.

I will take this to court and media as your service is appaling and utterly disgusting.

PLEASE REVERT WITH CLARIFICATION.