To Mr Vijayan Chairan IRDA,
Hyderabad

My name is Dr Arun mehta and have been seeking effective IRDA intervention with regard to two Insurance companies Future Generali Gen Insurance Pune and HDFC Ergo Gen Insurance Mumbai.

Both insurer’s in house processing teams have totally repudiated my claim by manipulations at any levels and many types behind the wall of secretiveness.I have asked by E mails the help from IRDA Hyderabad based Grievance Redressal Office for clai review in y presence with the proofs I have.All your office has done is forward my request to IRDA to the insurer who has cheated me in the first place.

Is this the way you handle consumer grievances? Is your office protecting Customers /consumers or the Insurance Industry. This proves and confirms in my view that that IRDA is a Insurance promotion and support body working for the Insurance “Industry” -not the Insured.

I feel that my time and effort has been a total waste.

If you happen to receive this letter, and if IRDA is for consumer protection, all the claims from all the Insurance companies should be reviewed and processed by external and independent body and processed per the policy terms applied in total manner.

All Insurance companies do is sell insurance, and when claim is subitted,they go to sleep,use their investigators whose reports are a fraud and manipulation,and Insurance uses information selectively in hundreds of ways and combination of manipulations with goal to close the claim with bare minimum settlement.
I am very very disappointed,appalled and feel utterly cheated by Insurance Company who sell sound polices but do not apply in words and legal spirit.
This comment comes from someone who is well informed consumer,customer who pays price for specific protection BUT gets knowingly cheated and I know exactly How and where I have been cheated.It is a scam committed behind the wall of secrecy and bureaucracy where consumer does not know who s dong what and crucial information ,and reports are hidden from insured and NOT provided on demand under the excuse of “policy” and “internal matter” .
I have no other choice but to take the Insurance companies to court for a fair appraisal of my claim.India is a country full of scandals and promises sold but not delivered.
Dr Arun Mehta
Pune