Recently I've got a really bad experience from Tata AIG... I hold a credit card of HSBC, one day I got a call from HSBC person giving an information about this health care insurance from TATA AIG, it was supposed to be different than mediclaim and bla bla bla... I declined the offer from HSBC, however the guy on phone played the first trick, he told me that they will send me information papers about the policies and then I can decide whether to take the policy or not within 14 days of receiving the papers... I made a mistake by saying OK to send the papers, then the call was transferred to TATA AIG executive, who got the necessary information from me...
During this call with TATA AIG, I realized that I've been trapped by this trick and now actually I was availing the policy... At that time what I thought was, let's take the policy (something like which I anyway needed) and go through the documents and as the HSBC guy told me, I can anyway cancel it in 14 days...
At the end of the conversation with TATA AIG (by the way, all this conversation was being recorded for confirmation), the executive told me that only changing the policy level could be done in 14 days without any charges and if I wanted to cancel the policy then I will have to pay Rs.99 per person (I was going for myself, my father and my mother)... here I realized that I was being cheated in daylight!!! but I could not do anything at that moment...
I decided that when the papers arrive, I will cancel the 3 policies and pay Rs.297... so I called the TATA AIG helpline numbers to cancel this... And here came the big blow... now the TATA AIG executive told me that there was no clause at all which said about the Rs.99 per person charges for cancellation, on the contrary I will be charged 25% of the annual premium amount (which worked out to be about Rs.2200)...
When I told him to refer the recorded earlier conversation, he held the call for 2 minutes and came up with a typical cheater's statement "There is no mention of Rs.99 per person for cancellation"...
I am feeling really disgusted "How can I be made so fool"... but in reality, these companies are not fooling... they are "CHEATING"...
So please spread the word and do not fall into such traps.
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