To all the prospected customers of health insurance cos.

I feel slugged and looted by Apollo Munich health insurance co. who proclaimed to be the dab hands at the bizzo. They had promised me that all the Pre Policy check up charges below Rs. 300 (INR) would be reimbursed immediately upon issuance of the policy. Sadly they never cared to reimburse a paltry sum of Rs. 160/- only, the payment made towards Pre Policy check up of my wife at a Hospital / Facility designated by Apollo Munich.

After aboutr four months and a fierce condemning Email and a subsequent complain with IRDA they paid only Rs. 100 lmao !! . They can't even reimburse 160 Rs. How could a customer expect to get lacs of Rs. from those cheeky people when a claim is made? This is so stupefying and outrageous.

The story doesn't end just there. I unfortunately had to make a Cashless claim for a surgical removal of Endometrioma on my wife from a well known hospital in their network. The same was rejected. Prior to rejection I received a call asking if the policy was issued to me by an employer / company or is it an individual claim? Once they knew the claim was made in the individual capacity, they bluntly rejected it. Different people gave different reasons and the TPA said it was on the order of Apollo Munich that they are rejecting your claim.

They gave a Generalized reason .. Surgery of Genetourinal tract ain't covered.Another executive responded with " Policistic ovarian disease ain't covered and another said Cysts and internal tumors ain't covered ( lmao! then whats covered mon ? Just ask those people to give a list of whats covered apart from Malarial and Dengu / Typhoid ) At the time of issuing the policy they had stated that their policy wordings is crystalline and has no clandestine agenda of deceiving the customers. Only the specific names of the ailments mentioned therein are not covered for two years. Looking at the policy wordings its apparent that ENDOMETRIOMA ain't mentioned nowhere in the policy wordings. t can't be generalized. Looking at the policy I realized that everything save an odd Malaria or Dengu ...is excluded for two years.

The tele executives sounded disgruntled and became tetchy to know my intentions to follow this matter up until the dooms day or me getting justice whichever happens first.

I sincerely believe its my duty as a aggrieved customer of Apollo Munich Health Insurance Co. to alert and make aware other prospective customers who are intending to take a policy from Apollo, who were only be cordial to me unto the time I paid the premium and thereafter I became be the most frivolous living object for them.

Please think 100 times over before taking a insurance policy from Apollo, as insurance is a sensitive subject that relates to financial and emotional trauma and needs proper expertise & humanitarian approach of the issuer to handle.

Thank you


Abhijit Joshi
Navi Mumbai
(enchanting_zombie@yahoo.com)

Everybody beware of this nonsensical insurance company. I have been cheated by them myself and bet they are doing the same with most of their customers as it its apparent by the posters comments around the net.

Apollo Munich health insurance is simply the most disgusting service I have ever known. Those who have experienced their false committments and horrendous service could ascertain this. They know how to go back on their word. They have partnered Munich healtkh of Germany who partake their sins of making fools out of Indian Insurance seekers.

Hence they have chosen to make their website so glitzy and full of fake, baseless claims to intrigue poor people. I surmise they pay heavy commissions to the agents , especially those who commend them online to push for their products as they have nothing to relinquish once the customer is fooled.

BEWARE ..Don't be another sitting duck that these notorious Apollo Munich khutzs hunt.



APOLLO MUNICH IS THE WORST INSURANCE SERVICE PROVIDER.

21/11/11



Dear Sir, I Had Opted For The Portability Of My Medicaid Policy From New India Assurance Company(Policy No As 21010034101100013095) To Be Renewed With Your Company by application no 1101363331As I Find The Earlier One As Not Proper.....

My Paper Work Is Been Done By Mr Rohit Tondon (Mob 9825154549) He Did The Best Of His Efforts To Get My New Policy Done With You But With A Very High Regrets I Say That Since Long My Policy Shows The Status As Under Process.....After Lots Of Calling On Your Customer Care I Was Been Asked To Give An Email Giving Declaration As I Do Not Have Any Previous Year Policies Or Documents With Me As Of Now....

So Now I Here By Confirm And Declare That I Do Not Have Any Previous Year Policies Preserved As After Every New Year The Earlier One Gets Expired And No Need To Keep It...So I Always Disposes It ...I Was Not Knowing That In Future At The Time Of Portability Such Old Records Are Needed...Now Onwards I Will Defiantly Preserve The Same...



I Request You To Kindly Accept This Email As My Declaration And Process My Portability Request At The Earliest As My Old Policy Is Getting Expire On 4th December So Before 5th December I Must Have My New Appolominuch Policy In My Hand Or Else I Have To Pay For New India Assurance For Renewal...And For That I Do Not Have Any Such Surplus Money So You Have To Send My Refund Amount Fast....

I Wish To Get Associated With You And Wants To Have New Renewed Policy With You I Appreciate Mr Rohit Tondon And Mr Naresh's Efforts To Get Me Portable From New India To Appolo Munich...The Did Their Bets But Somewhere At IRDA My Case Is Stuck Up...Now Pl Accept This Declaration As Your Customer Care Guy Said...And Process My New Policy Soon And Oblige.

Thanking You

Samir Dave

Mob 9427042493/9173450013