Hi,

I have taken a policy(ULIP) of 45K on 10-Feb-2009 from Aegon Religare. I was not given the document immediately. I was told that I will be getting the document after few days(this was the first time i bought any policy).

According to aegon religare, I got my document on 17-Feb-2009 but i got the document in april/may -09(not sure of exact date but sure it was not on 17th feb). They charged whole 45K as premimum allocation charges, which i realised after i got the doc. I raised this concern to the Aegon religare and they send their agent to my place to negotiate. They told me that as it was already 15 was over they can't cancelled the ULIP and i have to continue and they took my signature on a paper. I have done a mistake of signing the paper but I want to know what option I have against AEGON RELIGARE. I was reading the DOC.. They lied me, if I did not get the papers in 15 days how can i return the policy in 15 days. I did not relized this till i discussed this with one of my frnds fnrd. He guided me to go to consumer court... I might find some thing.

Please let me know if, I can drag AEGON RELIGARE to consumer court. They have lied on number of things. I should have not trusted them.

I have purchased iterm plan from aegon by online. Before purchasing the plan, their representatives called me lots of times then finally I have decided by believing on them and purchased iterm plan for 50lakh. I have paid 6171Rs.

After that they have done medical tests.

Then....no any call from their side.... I have got a mail from there side that I have to upload or courier the documents. I have uploaded the documents through their website, also I have attached the documents and send on their mail id "anita.rao@aegonreligare.com"
I was waiting for their reply and policy documents still I have not got any reply from their side.
Got another mail to send documents again. I have forwarded documents again to anita rao, customer care, but they still denying.

Yesterday, they send me another email heading " counter offer " you have to pay extra 2200rs because we have found cotinine % is higher in your body. Then I replied to them pls
provide me details and what is your limit for cotinine % ? but I am still in waiting ...no reply...

I have questions for them
!) Very poor customer service - > I have already emails to them, they have not answered to my mails. Then what is use of your anita.rao@aegonreligare.com's use ?
2) What is use of your website's upload feature ? I have uploaded all the documents and still you are denying ? Thanks god I have made a screen shot that time so I have a proof of uploading the documents.
3) How many times you have contacted me before purchasing the policy ? and what happened after purchasing the policy ?
4) You should have to call me after medical tests has been done ? also need to discuss for counter offer ? I am still sending mails and mails and no response....
5) I have already made lots of emails and calls to aegon office for ANSWER....
6) IF they are providing the service like this then what will be happen in future ?
If my family need to claim...what will they get ?
7) You do not have reliable service , I just want to cancel my policy and REFUND in any condition...Pls....

hi Kunal...

I am also waiting for their response... they seem to be cheating.... I am discussing this aspect with my friends and colleage and I now realized it is very common for them to lie before selling their product. If we are determined they will not escape with this.. our legal system is not good but it is not worst and atleast I am making them popular in my company and with my colleage/FRNDS... I am sending a mail to everyone I know telling what aegon religare has done with me. some had scolded me because of my ignorance & some sympathised but the fact is I am sure they will think twice before investing their money with AEGON RELIGARE, that is the intention.. right now I have not started the mass mail but I will soon right a blog/mail each and every one i know, if this is not settled and if possible i will go to court

thanks,
Sanjay