Fleecing by HDFC ARGO Health Insurance

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It has become the trend of most big service companies to fleece and keep the customers' money blocked for days and months and earn interest on that by delaying the refund indefinitely. I applied with HDFC ERGO health insurance for myself and wife. I deposited the required premium of About Rs.48000/- through my credit card. After the medical test, they rejected our case due to a flimsy ground that there was some problem with my ECG and informed to return the premium amount within a week. But it took more than 2 months to receive the amount back into my credit card account and that too after several reminders.

After 3-4 months again, I got a call from one agent of HDFC ARGO to apply again as the issue with my ECG report was not of much concern. I did the same and this time I paid the amount through cheque from my savings account for approx.Rs.48000. The medical was conducted and again the case was rejected on the same ground. Although, I got my health check up also done at Fortis Escorts and they confirmed the problem with ECG as insignificant and also confirmed that as per stress ECO test done further, I had fairly healthy heart. But the refund of amount charged for premium again is taking the same coarse. It is over two months and the there is no sign of refund of almost Rs.48000.00 in spite of reminders and assurances.

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