HDFC Ergo Insurance Agent: Kanchan Mishra

not good service i was reneved bike insurance from hdfc egro from one agent kvr baja bike shoroom from heganahalli still now idid not get my insurance very bad network my amount allredy dedcted

My experience with HDFC Ergo car insurance has been extremely disappointing. After faithfully paying premiums for a decade without any claims, I encountered an accidental damage to my car. The handling of the claim process was far from satisfactory. When the surveyor was assigned to assess the damage, there was a notable lack of physical inspection of the vehicle. Instead, I was instructed to take photos and provide a multitude of documents. The entire process was marred by delays, with constant requests for additional information, details, and documentation, creating an unnecessary burden for me. Despite my cooperation and submission of all requested materials, the claim was shockingly rejected on the grounds of owner negligence. This decision was not only surprising but also disheartening, considering my long history of timely premium payments without any prior claims. It's disconcerting to be penalized for circumstances beyond my control. The disparity between the seemingly straightforward process of obtaining a policy and the overly complicated and burdensome nature of the claims procedure has left me thoroughly dissatisfied with HDFC Ergo. While the acquisition of a policy is presented as hassle-free, the reality of the claims process suggests otherwise. I urge HDFC Ergo to review my case thoroughly and reconsider the rejection of my claim. As a loyal customer of ten years, the treatment I received during this incident has shaken my confidence in HDFC Ergo as a reliable insurance provider. The stark contrast between the ease of policy acquisition and the cumbersome nature of the claims process has significantly tainted my perception of HDFC Ergo. I sincerely hope for a swift resolution to this matter and a restoration of the trust I had placed in the company over the years. The overall experience has been undeniably negative, and I believe improvements are necessary to ensure a more customer-friendly claims process in the future.

SHORTER VERSION: One of the worst policy system i have faced after using Global health insurances in my work & stays across the worldwide. I retired here and was scammed into getting Ergo policy by their unethical & unprofessional employees. Such shame i feel that i had to face this when i try to retire back in home country. The surgery was less painful than this experience that has created a bad taste in the mouth. At a point when the Ergo consultant was the first one i saw to defend my claim as i opened my eyes after the surgery! i asked for the claim to be recalled & the policy to be terminated. Improvements required on portal pales into insignificance compared to huge problem in the system that needs attention. Horrible & worst process / system to say the least! Please stay away from them! LONGER VERSION: I have worked in worldclass organizations around the globe rising from bottom to CxO level; last pitstop being worlds’ largest LNG producer. I have never had to face such nonchalance from support staff. Please bear with me while I try to explain: When selling the policy, Ergo team including manager promised to take care of requirements end-2-end, including claims. I took the sales pitch with pinch of salt; taking 3 year premium family policy due to goodwill built on long NRI association with other functional teams. Medical history was provided to the doctor who validated policy issuance. But when claim time came, all the false promises & those who made them vanished. That’s still ok as long as the appropriate team are capable of handling customer requirements. Cashless claim was a fiasco. Then came reimbursement embarrassment. The incompetence is unbelievable when I keep receiving requests for documents that have already been provided. Couple of examples to elaborate: 1) Sent cancelled cheque more than many time I can remember – still getting emails for it. 2) eKYC was completed online, Ergo Care team had linked Ergo to KYC and sent confirmation memo – all these provided but emails for KYC completion are never-ending. 3) Medical records requested are provided to company & not to patient per hospital policy. Ergo doctor sought & was given my consent to collect documents from hospital & hospital had provided this many times. Ergo doctor did mention that all patients spoken to were having same frustration & compliant. I am working with my HDFC wealth manager & relationship manager to terminate this claim as well as the policy. In fact, this bitter experience has let me pondering to move all my wealth management to another professional banker. Current claim is less than 0.5% of my total HDFC transaction while it destroys 50% of my time. I remember vaguely that our government offices used to be like this pre-2019-era; even they have improved & gone ahead.

I have been trying to reach out to them for last 3 weeks. i have a simple request of sharing few details so that i can go ahead and renew my health insurance. everytime i call them, there is only answer, someone will call you but no one calls. hence i have decided to port out my policy.