VENKITESWARAN
New member
- Policy Name
- VENKITESWARAN
- Company Name
- CARE HEALTH INSURANCE
- Customer Care Number
- 18001024488
- Loss Amount
- 125000
- Ratings
- Opposite Party Address
- CARE HEALTH INSURANCE, KADAVANTHARA,NEAR METRO STATION,KOCHI
To
The Hon’ble Consumer Disputes Redressal Commission
Subject: Complaint against Care Health Insurance for unfair claim rejection due to lack of proper disclosure during policy porting
Respected Sir/Madam,
I am writing this complaint against Care Health Insurance regarding the rejection of my insurance claim, which I believe is unjust, arbitrary, and a direct result of improper policy porting procedures followed by the insurer.
At the time of porting my health insurance policy to Care Health Insurance, no representative of the company explained to me the advantages, disadvantages, waiting periods, exclusions, or the impact of porting on future claims. I was never educated about the policy terms in a manner that I could clearly understand.
As a customer, I was not informed that signing a declaration meant I had fully understood all conditions related to policy porting. No official from Care Health Insurance visited me or contacted me to ensure that I was properly educated about the policy. The declaration was taken without proper explanation, which defeats the very purpose of informed consent.
It is the duty of the insurance company’s sales and servicing staff to clearly educate the customer before policy porting and to obtain confirmation only after ensuring that the customer has fully understood all implications. In my case, this responsibility was completely neglected.
Due to this failure on the part of Care Health Insurance, my claim has now been rejected, causing me mental stress, financial loss, and hardship. This amounts to deficiency in service and unfair trade practice under consumer protection laws.
Hence, I request the Hon’ble Authority to:
Thanking you.
Yours sincerely,
VENKITESWARAN
POLICY NUMBER - 99248684
CLAIM# 82115440 AND 82107681
9544212343
vkv30041977@gmail.com
The Hon’ble Consumer Disputes Redressal Commission
Subject: Complaint against Care Health Insurance for unfair claim rejection due to lack of proper disclosure during policy porting
Respected Sir/Madam,
I am writing this complaint against Care Health Insurance regarding the rejection of my insurance claim, which I believe is unjust, arbitrary, and a direct result of improper policy porting procedures followed by the insurer.
At the time of porting my health insurance policy to Care Health Insurance, no representative of the company explained to me the advantages, disadvantages, waiting periods, exclusions, or the impact of porting on future claims. I was never educated about the policy terms in a manner that I could clearly understand.
As a customer, I was not informed that signing a declaration meant I had fully understood all conditions related to policy porting. No official from Care Health Insurance visited me or contacted me to ensure that I was properly educated about the policy. The declaration was taken without proper explanation, which defeats the very purpose of informed consent.
It is the duty of the insurance company’s sales and servicing staff to clearly educate the customer before policy porting and to obtain confirmation only after ensuring that the customer has fully understood all implications. In my case, this responsibility was completely neglected.
Due to this failure on the part of Care Health Insurance, my claim has now been rejected, causing me mental stress, financial loss, and hardship. This amounts to deficiency in service and unfair trade practice under consumer protection laws.
Hence, I request the Hon’ble Authority to:
- Review the claim rejection made by Care Health Insurance.
- Direct the insurer to settle my claim fairly.
- Take necessary action against the insurer for failing to follow proper customer education and disclosure norms during policy porting.
Thanking you.
Yours sincerely,
VENKITESWARAN
POLICY NUMBER - 99248684
CLAIM# 82115440 AND 82107681
9544212343
vkv30041977@gmail.com