DT.: 06/07/2010
From:
Bharat Jogi
Narayan Medical Store
College Chowk
Near Jogi Hospital
Gondal 360311
Gujarat
India.
Mo.: 09377501619
EMAIL ID: BHARATJOGI@YAHOO.COM

Dear Sir/ Madam,

I had taken policy on 10 June, 2010 from Tata-AIG General Insurance Company. Policy details are as under:
Policy opted : Individual accident and sickness hospital cash
Policy inception date: 10 June 2010
Total premium : Rs. 8726.

While taking the policy, I was informed by Tata-AIG officer (Mr Mohammad Rehman) during telephonic conversation that the policy covers the total hospitalization expenses up to the ceiling limit of the policy. The same thing I had mentioned in my covering letter which I had sent along-with the cheque for the policy payment. I had also specifically mentioned in that letter that if the policy does not cover the total hospitalization expenses, then I don't want to go for the policy. The photocopy of the covering letter is available with me. Also as you know the conversations are recorded. Now the fact is the policy does not cover the total hospitalization expenses and offers only lump-sum amount per day during hospitalization. THUS THIS IS A CLEAR CASE OF MIS-SELLING THE POLICY AND MISGUIDING THE CUSTOMER.

As a first step, I have cancelled the policy on telephone. The policy is cancelled by Tata-AIG on 18th June and I have received confirmation letter and SMS for that. From then onwards, I have repeatedly sent E-mails and talked with Tata-AIG officers on toll free and tolled numbers (from 21/06/10 to till date i.e. 05/07/10 )but neither I have received the refund amount (Rs 8627 / -- ) nor I have got a satisfactory answer. THIS IS A CLEAR CASE OF CHEATING.
Now I have fed up after so much follow up and decided to go to the consumer court.

I expect consumer court to compell Tata-AIG for paying compensation for the mis-selling of the policy and mental harassment to me due to that. Further I request consumer court to take legal action against Tata-AIG for not paying the refund amount in time and mental harassment to me due to that. Further request to publicize this issue in daily news papers and on Business TV channels so as to teach a lesson to Tata-AIG and to avoid such happenings with other customers.

I expect a prompt action and timely feedback to me from your side.

Thanks.

Bharat Jogi

NOTE: BEFORE I TOOK THE POLICY, TATA-AIG OFFICERS PHONED ME 2 TO 3 TIMES IN A DAY TO CONVINCE ME FOR THE POLICY. BUT NONE OF THEM HAS TAKEN PAIN FOR EVEN A SINGLE PHONE CALL EVEN AFTER A NUMBER OF E-MAILS FROM MY SIDE !!!!!!!!!!!!!!!!!!!!!!!!!