I bought policy of Indian Health Organisation on basis of fraud commitments from your executive Mr. Avinash(working under Team Head- Mr. Harshal Karamblekar. Commitments made by him was- 1. 50 % co-payment in case of hospital admission with no upper limit 2. No internal upper limit breakups lets say for ambulance or bed charges etc 3. On repetitively asking why it is comparatively cheaper in market because rest other similar plans come with a premium of 8000-10000 for individual,For 4 members pack will cost 1990 because of anniversary offer from IHO otherwise normal plan rate is 12000 4. Beside this you will get some free vouchers(for check-up and preventive cure) Above statement clearly shows main focus of executive was to sell this policy as health insurance policy while it is preventive cure policy. Again on asking for time that I will check it on internet and will ask exact age from my father, Mr. Avinash tricked me by saying that because of DnD norms I wont be able to call you again and you have to finalise the policy immediately if I want to opt for this.Hence, I made the payment for 5 members which sum totals to INR 2487 on goodwill of policybazaar.com Once payment done and call got terminated I browse through IHO website and checked details than figured out that i have been cheated by the person since the plan covers only preventive cures like health check-ups etc. Again, I called him and executive replied “SIR! SITE PE LIKHA HONE SE KUCH NAHI HOTA…MAI BOL RAHA HU NA VO SAB MILEGA AAPKO” On 25th December, I contacted Mr. Harshal Karmblekar(Team Head) regarding whole issue and explained him, according to him after listening phone recordings he figured out fraudulent commitments from his executive and forwarded mail for cancellation of policy and refund of full amount to IHO. Next day, I got a call from their representative that your policy is cancelled and you will get refund in next 7 days. Since it is more than 15 days still i didnt get any refund and on calling them they are making excuses every time and are asking for 2-3 more days every time.

I want my policy to be cancelled and my money to be refunded along with compensation for the consequences happened to me due to their fraudulent activities. Total compensation should be as follows- 1. I was expecting a 30% appraisal , even my boss said that in month of November that I will get very good appraisal in upper bar(25-35) this year. If I get less than that than difference amount should be compensated 2. Expenditure happened on my mothers hospitalization because of lack of diabeties medicines should be refunded back(Rs 76000) 3. Mental trauma happpened to me should be compensated in monetary terms.(Rs 60000) Total = 76000+60000+2490+300+Monetary difference in percentages of apppraisal (Lets assume if appraisal is 105 than difference is 20% which comes to 1000000*.2= 200000) = 76000+60000+200000+2490= Rs. 338790

Complainant Information
name- deveshmudgal