HDFC Ergo Not Honoring Insurance on Home Loan EMI on Job Loss

I had availed Home loan from HDFC and then I was offered insurance from HDFC ERGO. There I was told that apart from other risks like life risk, during risk of the job i.e. during loss of job, I would not have to give EMI till I get employed again ( at least three EMIs ). I got job loss from my last company (BEMCO) in Bahrain on 06.11.13 and came back to India on 08.11.13. My EMI is due on 15th of every month. Therefore, I deposited the EMI in my bank on 13th Nov’13 and talked to HDFC ERGO for claim. I was asked to contact their customer care and in turn they sent me the Form to be filled, which was to be sent to their head office in Mumbai, along with all supporting documents, they required. I sent the form along with supporting documents, on 28.11.13. I got the rejection from them dtd.09.12.13, on the plea that I was terminated due to poor performance and that was not covered in their contract, which they did not tell during convincing me while doing insurance. Now problem is this that I am the sole earning member of my family with three dependents and it is not easy for me to pay my EMIs. Just because poor performance was written in my Termination letter, I am being barred from facility of payback of EMIs due to loss of job. I would like to request you to kindly intervene and help me in my difficult time till I get new employment.

Regards
handa_23sm@yahoo.co.

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