Tata Aig Health Plus Insurance — False inducement
This is to bring to your attention that I had visited your site Tataaig.com last week and I had left an enquiry for health insurance for my family and me with my telephone numbers on the site on 4th of December 2007. Duly on the 5th of December a representative from Tata Aig named Naseem Yousuf called me up from +[protected] offering me Health Plus policy for my wife my brother and myself. The following was what he had offered :
1. The total coverage of the policy was 5 lakhs.
2. All medical expenses incurred were covered including physicians fee and other expenses during any hospitalisation. Cost of medicines and drugs were also covered
3. Cash for hospital expenses would be provided at Rs 1000/- per day.
4. Treatment could be taken at any hospital anywhere India for any disease excluding Pregnancy, plastic surgery and HIV.
based on this I had given my credit card details for three policies one each for my wife Mehnaz Nadeem, my brother Vaseem Sait and for myself Nadeem Sait. Transaction number MCIT [protected]. He also assured me that the credit card would be credited only once I was satisfied with the terms of the policy. He also gave me his department telephone number at Tata aig which was 022 [protected].
Today I called him up at this given number and someone named Yasin picked up the phone and said that it was HDFC Standard Insurance Company. I was surprised and asked for Naseem Yousuf and he said that since the phone line were being upgraded for Tata Aig this phone had shifted to HDFC Standard. He gave me a mobile contact number [protected] saying that this was Girish Pillai's number who was the Tata Aig manager. I called this number and asked for Naseem Yousuf and he came on line to demand where I got this number from. He then said that he would call me back which he has'nt.
I recieved the three Helath Plus policies from Tata Aig by Blue Dart courier this afternoon. The policy numbers being ITHC [protected],ITHC1000001788 and ITHC1000001789 .
I found to my amazement that nothing of hospitalisation is covered except for a daily cash of Rs 1000/-. Whatever your representative had said was false and untrue. It is with disbelief I understood that there was false information given. I cannot believe that a Tata associated company could stoop to such levels to get policies. I wanted to cancel the policies taken and spoke to one Shanmugan in your cancellation department. He informed me that there would be 25% charge on cancellation which is downright cheating when I have not given my approval for the policies because I had made it clear that only after reading the terms and condition would I approve if I deemed it fit.
I called up my credit card issuing bank and got the confirmation that there has been a credit charge on my card of Rs 1482 on each of the three policies on 5th of December when I had clearly stated that I will approve only after recieving the policy details.
Kindly revert back with the necessary information as to your status on this as I had given my name and telephone numbers on your Tataaig.com site and your employee called me with all this false information and false inducement and also you have credited my credit card without my express permission. There could be many legal issues concerned with the above facts.
Awaiting your reply not justification