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 !!!!!!!!!!!!!!!!!!!!!!!!!

My name is kishor mhaske policy no. is HCP81000005051(knmhaske172REDIFFMAIL.COM)

I have taking this TATA AIG policy form HSBC BANK online

I was mis guided by HSBC BANK AND TATA AIG.
I was told as a medical policy which will cover all bill with pre-admited bill as wel as the admited bill whatever u will spend with a year.
I was impress on the on this that I will get reimburse on small medical exepenses.so for that reason I have taken that policy and I was told
that my call is recorded and all the points have being true which I have told on phone call and I had force to pay online. I insist to send some
one so that I can understand but they told we cannot send any body. we only sale online policy’s was told that each word is recorded so there will
be no fraud or cheating. They send me the paper in that I was un able to understand the clause because of very difficult language. But I came to know
when my son was admitted in hospital. I was told to submit paper to Andheri office instead of kalyan.Before submitting paper I gave call the customer
service and told that I was promise that I will get all medical bill and bed charge as reimburse But he told that medical bill will not required as we

we do not cover all this we cover only bed charges. I have complaint to HSBC and TATA AIG regarding this issue but no response I have mail this issue to
higher person and told to return my money. several times I told to return my money but I was told to submit paper we will see how much we can reimburse.
I had submitted expenses around 10,000 I received only 1,000.I was very angry and ask TATA AIG TO refund my money but. TATA AIG representative MR GAVRAV MHATUR HIS

PHONE NO IS 9920400824 gave me call and stated that it might be mistake of our some employee so please leave it all matter and use the policy for year but do not ask

for money but I insist on refunding on my money back. He then started offering me holiday package gifted but I told him to refund my money. one year has being pass but

yet have not
received my money. Sir I had an surgery in march 2010 and was suffering from illness for m august 2009.i was admitted in hospital for 15 day and had medical expenses

form
august 09.my monthly expenses was around 3000 to 4000 thousand montly but i was not able to claim and was not in financial position to take new policy . Sir I had

never got any call for renewal of my policy or any refund of my money.If i would have renewal the policy or other new policy i would not suffer form all this. sir I am

mention about my illness because I want inform comman people like me that due this fraud company I am suffering.I had wasted my money’s had lost my job due to illness

and not having good policy who can cover my illness.I have taken policy because of my 1 year old child and official I was not having any medclaim policy .so for my

child health i decided to take policy and i came through FRAUD TATA AIG POLICY.If I would have good mediclaim policy i have not incurred so much loss


sir i want help to get like this company sue for harssment.I also had complaint this to HSBC but they had also not giving any response. All multinational company

for their profit are giving false statement but they are not realising that they are playing with people life. sir all the above statement I have done are true I have

all medical bill of KEM HOSPITAL and the mail done to TATA AIG AND HSBC.

i have contacted for krishnamally@tata-aig.com,gaurav mhatur,

please help for fined this fuard company or to fight in court

REGARDS
KISHOR