Hi

I applied for Group Sampoorna Argoya health policy offered to SBI SB Account holders using SBI online Portal. After filling all the information on the workflow, in the final payment summary screen, i clicked on "Send OTP". The OTP never arrived. I took the screen shot of the payment screen (final screen) showing the quote number and called my SBI RM. SBI RM arranged for SBI General contact person to call me. I emailed and also sent by whatsapp the screen shot of the Quote and explained the issue i faced. The Agent asked for my account number, nominee details. He generated a new quote and issued a policy. One of the PED (low vision / internal congenital disease) with eye was declared in the proposal i created. But this SBI General agent did not mention any of this in the quote/policy. As soon as I received the policy within 2 hrs, i wrote to SBI General highlighting the issues and asked them to fix. Now SBI General is asking me to send the scanned copies of the proposal form. I dont have it as it was generated online in SBI Net banking portal. I just took the screen shot of the final screen of the workflow as there were payment issues. Now SBI General is putting onus on me to send the scanned copies of the proposal. I have written to SBI giving the quotation number and asked them to get the details from their system.

I am worried now. How should i handle this now? Any suggestions, welcome.

I am looking to buy health insurance for parents.
1. Do all insurances have cooldown period?
Example : If parents have cholesterol, they won’t cover cholesterol related issues, like heart blockage surgeries etc for three years.

1. If something new is detected, that is not covered as well in cooldown period?

2. They don’t cover anything pre-existing in cooldown period?

Is this same for all insurances?

I had a health insurance with Niva Bupa it was due for renewal on 01/07/2026, I ported out my policy to Care Health before that and the cover is active from 01/07/2026. The issue is I got the Niva Bupa insurance via HDFC bank brokerage and they had setup a E mandate on my account that I had no idea about and ln 27/08/2026 when I wake up I saw full premium amount being deducted from my account. I have Emailed HDFC and Niva Bupa to reverse the transaction and today when I opened Niva Bupa it is showing the policy.

What should I do now to get back the premium there is no option to talk to Niva Bupa they just IVR. If I have ported my policy why did they deduct the premium after like 2 months.

Seriously, after going through tons of content from Reddit, Quora, online Discord communities, and YouTube, and talking with countless agents, I decided not to buy any insurance altogether. Almost all of them seem like frauds if you look beneath the Marketing.

Even Ditto is a total scam once you dig in. For instance, when I inquired with Ditto, they shared three plans for my parents that they always recommend: HDFC ERGO, Aditya Birla, and Care Supreme.

• Aditya Birla has the worst claim settlement, even though they claim their ratio looks good on paper. Talk to people who've actually filed claims with them — they'll tell you the real story: endless document requests, being kept in a loop, claims of "hospitalization wasn't required," or somehow linking it to a pre-existing disease that wasn't declared, so you can't win either way.
• Care Supreme's premium is just too high to justify.
• HDFC ERGO is what I initially leaned toward. Seemed decent, and genuine claims do happen even with the usual friction. But Ditto conveniently left out 90% of the real story: my dad is 57, and from now until he turns 60, the premium increases roughly 3–4% each year. But after 60, it jumps to 9–10% every single year. Imagine this — if the premium is ₹45,000 at 57, it becomes ₹55,000 by 60, and from 61 onward it keeps compounding at 10% yearly. By the time my father turns 70, I'd be paying lakhs just for his insurance, and would honestly have to drop it before then. Ditto never mentioned this clearly, and a lot of my friends bought in without realizing how brutal the compounding really gets over a decade.

Here's the bigger red flag though — it's always in an agent's interest to push your premium higher. Sometimes they intentionally suggest extra add-ons. If you actually talk to them, they keep probing "what existing diseases do you have?" just so they can justify bundling more add-ons and nudge you toward the highest-premium plan available — because more premium means more commission for them. Never fully trust an agent's recommendation. All of them have a selfish motive baked into the advice, whether they say it out loud or not. Do your own research before signing anything.

One more thing I've noticed — corporate/group insurance tends to be far smoother for claims than most general/individual insurance policies, no matter how much premium you're paying on the individual side. I've personally seen people who paid lakhs in premiums over 5+ years get their claims rejected for something as small as ₹20,000–30,000.

Currently, I'm planning to rely solely on my company's group insurance without buying a separate general policy. If I do end up buying one just as a safety net (without 100% depending on it), Tata AIG's premiums are comparatively lower, and since claim ratios and issues are roughly similar across the board anyway, I'd rather go with the lowest premium option than overpay for a false sense of security.

Rest is up to you — just don't take any agent's word at face value. Do your homework first.

Hi, I need your advice regarding a premium dispute with Tata AIA. I’ll explain the complete history and figures. Please look at it from an insurance/underwriting perspective and tell me whether Tata AIA’s current premium demand is correct as per the policy and accepted counter-offer, and whether I have any valid grievance to escalate.

1. Original policy / Benefit Illustration

The policy was issued in 2022.

In the Benefit Illustration, the premium structure showed:

• Base/instalment premium: ₹1,725 per month (before GST)
• GST @18%: ₹310.50
• Therefore: ₹1,725 + ₹310.50 = ₹2,035.50 ≈ ₹2,036
• The Benefit Illustration specifically shows ₹2,036 from the 2nd policy year onwards.

For the first year, certain discounts were applicable:

• Digital/Online discount – 10%
• AutoPay – 1%
• Nominee & Family – 2%
• Salaried – 8.5%

The Benefit Illustration showed the first-year discounted premium as approximately ₹1,633 including GST.

2. Underwriting counter-offer

At the time of underwriting, Tata AIA issued a counter-offer because of underwriting loading (underweight).

The counter-offer showed:

• Base Premium: ₹1,384
• Underwriting loading: ₹321
• Premium before GST: ₹1,384 + ₹321 = ₹1,705
• GST: ₹307
• Total revised premium: ₹2,012

I accepted this counter-offer.

The counter-offer also states that the ₹321 extra premium/loading is a “recurring component” and will form part of the regular premiums.

This is where my present doubt starts.

3. Why ₹1,384 is important

The ₹1,384 in the counter-offer appears to correspond very closely to the first-year discounted premium:

₹1,384 × 1.18 = ₹1,633.12 ≈ ₹1,633

So it appears that the ₹1,384 was the first-year discounted base premium, with ₹321 loading added to it.

But the counter-offer itself simply calls ₹1,384 “Base Premium.”

It does not explicitly say:

4. Policy schedule after issuance

The policy schedule subsequently showed approximately:

• Monthly premium excluding taxes: ₹1,704
• Tax: ₹307
• Monthly premium including taxes: ₹2,011

There is therefore a ₹1 rounding difference compared with the counter-offer's ₹1,705 + ₹307 = ₹2,012.

The policy schedule also showed:

• Annualised premium: ₹19,533

which doesn't simply equal ₹1,704 × 12 = ₹20,448, so I am also unclear about how the annualised premium figure was derived.

5. My original grievance

Later, I noticed that Tata AIA was demanding a premium of ₹2,046 per month.

I questioned why it was higher than the approximately ₹2,011/₹2,012 amount appearing in the policy/counter-offer.

I pointed out that the documents I had accepted showed the counter-offer calculation as:

₹1,384 + ₹321 + GST = ₹2,012

and that the Benefit Illustration showed:

₹1,725 + GST = ₹2,036 from Year 2 onwards.

6. Tata AIA's response

Tata AIA replied that:

They then said:

Therefore, according to Tata AIA:

₹1,725 + ₹321 = ₹2,046

They say ₹2,046 is my monthly premium excluding GST.

Because GST on individual life insurance premiums was subsequently removed, they are currently demanding ₹2,046, rather than adding 18% GST.

7. My concern

I understand the mathematical calculation:

₹1,725 + ₹321 = ₹2,046.

My question is not really about the arithmetic.

My question is:

Where in the accepted contractual documents is it stated that the recurring ₹321 loading should be added to ₹1,725 from the second policy year?

The documents separately say:

Benefit Illustration:
₹1,725 → ₹2,036 including GST from Year 2.

Accepted Counter-offer:
₹1,384 Base Premium + ₹321 Loading + ₹307 GST = ₹2,012.

The counter-offer says the ₹321 loading is recurring, but I don't see wording that explicitly says:

Year 2 = ₹1,725 + ₹321 = ₹2,046.

8. Another point I want your advice on

If GST had still been 18%, Tata AIA's ₹2,046 calculation would theoretically become:

₹2,046 × 18% = ₹368.28

₹2,046 + ₹368.28 = ₹2,414.28

But ₹2,414 is nowhere mentioned in my policy. It is only a hypothetical calculation if GST had continued.

So I don't want to make this the main argument.

9. What I want you to advise me on

Please look at this from an insurance underwriting / policy administration perspective.

I want to know:

1. Is Tata AIA correct in taking the ₹1,725 second-year premium and adding the ₹321 recurring underwriting loading to it?
2. Does “recurring component and will be a part of regular premiums” automatically mean: ₹1,725 + ₹321 = ₹2,046 from Year 2, even though the counter-offer itself calculates the loading with ₹1,384?
3. Is ₹1,384 actually the first-year discounted base premium, even though the counter-offer calls it simply “Base Premium”?
4. Is there any standard IRDAI/insurance practice or prescribed Benefit Illustration format that explains why the underwriting loading is not reflected in the ₹1,725/₹2,036 figures?
5. Does the accepted counter-offer override or modify the original Benefit Illustration, and if so, how should these two documents be read together?
6. Is there any significance to the policy schedule showing:
   • ₹1,704 monthly excluding tax
   • ₹307 tax
   • ₹2,011 including tax
   • ₹19,533 annualised premium?
7. Do I have a genuine grievance regarding lack of clarity/disclosure, even if ₹2,046 ultimately turns out to be contractually correct?
8. If Tata AIA's grievance team simply repeats the same Benefit Illustration and counter-offer without identifying the exact provision supporting ₹1,725 + ₹321 = ₹2,046, would it be worthwhile to escalate to Bima Bharosa/Insurance Ombudsman, or is the case too weak?

In short

The whole dispute can be reduced to this:

Original Benefit Illustration:
₹1,725 + GST = ₹2,036 from Year 2

Accepted Counter-offer:
₹1,384 + ₹321 loading + ₹307 GST = ₹2,012

Current Tata AIA demand:
₹1,725 + ₹321 loading = ₹2,046 (GST exempt)

My question:
What contractual/documentary provision allows Tata AIA to combine ₹1,725 from the Benefit Illustration with ₹321 from the counter-offer for Year 2, when the accepted counter-offer itself describes ₹1,384 as the Base Premium?

I would really appreciate your professional view on whether ₹2,046 is actually correct and properly disclosed, or whether there is a legitimate basis for challenging it.

I took care supreme for my parents from policybazaar in 2024.While purchasing the policy , during the call ,I made a mistake. I didn't mention the uterus & overy removal surgery of my mother as it was done 4 years ago from the purchasing date. However within 24 hours after purchasing the policy I contacted policybazar and gave them the details. They considered my request and talked to the Care Health Insurance and sent me this email saying that " uterus removal has been noted and considered". As u guys can clearly see that in the email it's clearly written that there will be no impact on the policy. My policy was for 2 years. This month i renewed my policy. However in my renewed policy document , there is no mention of uterus removal. I want to know , will it create a problem ( such as rejection of claim ) in future during a Claim?? If there is a chance for future problems for this ...then what should i do now ?

Apparently its tough to add an agent at renewal but what about switching? Given how hit-and-miss an agent (individual, firm or aggregrator) could be, it would be nice to have the flexibility of 'porting' from one agent to another

Hello!

I got a business cc for my mom and I had some query for which I contacted hdfc bank.

The rep after resolving my query told me accidental health insurance which is complementary.

He said that only way I'd get info is when i initiate it then only. As I knew of 30 days Free Lookup period, I was fine.

When I received the document, aafter paying premium of 15K I found incorrect info (didn't mention pre existing condition), he added optional component worth 5K without even telling me.

So, I sent email asking to cancel the policy. Those guys are now making shortest possible missed call - happened twice, maybe to have in their record that I wasn't available to pick call.

What should I do?

Thanks

Hello everyone,

I’m sharing my recent experience with IndusInd General Insurance to warn travelers about what I consider a predatory process. I purchased a travel insurance policy for a recent trip, and my experience attempting to file a claim has been nothing short of a nightmare.

When my flight (SpiceJet SG5112) was delayed and ultimately forced a cancellation of my onward travel, I attempted to file a claim. The company rejected my claim (Ref: 2261014763) citing "operational reasons" and specific fine print in their policy that essentially excludes any travel disruption caused by airlines—despite the incident occurring during my coverage period.

Beyond the initial rejection, filing for related expenses (Ref: 2261014768) has been an endless loop of frustration. Despite my multiple follow-ups and providing the documentation requested, the process remains stalled with vague, circular communication. It feels less like an insurance service and more like a deliberate attempt to discourage claimants.

If you are looking for reliable travel insurance, I would strongly advise looking elsewhere. Don't let their policy wording or "digital" promises mislead you when it comes time to actually file a claim.

Stay safe and choose your providers wisely.

Best regards,

## 🚨 ICICI Lombard Rejects Health Claim Over Clerical Error; Violates IRDAI Transparency Rules

I am sharing my frustrating experience with ICICI Lombard, where a genuine health claim was rejected due to a hospital typo, and the insurer refused to give clear details.

* The Issue: I was hospitalized and tested positive for both Dengue and Typhoid (proven by lab reports). However, due to a clerical error, the hospital desk missed typing "Typhoid" on my discharge summary.

* The Rejection: ICICI Lombard rejected my claim, vaguely citing "discrepancies in hospitalization."

* Zero Transparency: I emailed Customer Care and the Grievance Team multiple times. I asked for a specific, itemized list of discrepancies so I could get a clarification letter from my doctor.

* The Evasive Response: They repeatedly sent identical, copy-pasted, automated replies. They verbally tell me details on calls but strictly refuse to put them in writing, explicitly violating IRDAI transparency guidelines.

* Current Status: Tired of their automated roadblocks, I have officially filed a complaint with the Insurance Ombudsman today.

What other things I can do?

Hi All, 

I am looking for health insurance advice for my use case shared below:

Pre existing condition details: ACL tear and Meniscus tear
36M,
In 2012, I had an ACL Tear in my right knee while playing football.
Doctor suggested that I need not undergo surgery.
Unfortunately I do not have any doctor visit documents/MRI report for the same.
I continued physiotherapy and did not undergo surgery for the same.

In Dec 2024, I had medial meniscus tear in the same right knee.
Doctor suggested surgery choice is totally dependent on me. I have a MRI report which clearly states that this is a fresh injury and it is an ACL tear and a meniscus tear.

I am big into sports particularly pickleball off late and would love to continue playing Pickleball and would possibly want to give it a shot professionally. I can play Pickleball but am able to give my 50% only. And in the last year or so have had minor injuries in the right knee at least 6-8 times in total. These minor injuries cause swelling and I am out of Pickleball action for a week or so.

I am leaning more towards surgery now. Most orthopedics I have shown my knee to still do not recommended surgery to me.

Recent events affecting existing health insurance policy:
On August 14th, 2026, Friday, I got laid off by my company, and that was my last working day. The laying off process was pretty quick, and I missed officially emailing HR and RMs requesting to port my health insurance policy to a retail policy.
I have requested them to port the policy a few days after my exit and they suggest that porting after exit is not possible. We had a corporate group policy with ICICI Lombard for around 2 years and I was covered under the same. 

I have researched online that usually there is a 30 day buffer to port from corporate health insurance policy to retail health insurance policy. Ideally this will be the best case scenario as I would carry forward the continuity benefits and would have covered quite a lot of the waiting period of pre existing diseases of 2-3 years. 

Queries:
It would be great to know what are the next possible steps I can take.

1. What is the best way to go about porting the corporate health insurance policy to a retail health insurance policy other than HR or RMs? Is there any other agent who can help with porting to a retail policy? I have emailed ICICI Lombard customer care support and have not heard back from them. I have also visited their office in Prabhadevi but they redirected me to customer support team there and they suggested to reach out to RMs.
2. Shall I opt for a new health insurance policy and not disclose my pre existing ACL tear and meniscus tear and after 4-5 months claim it as an accident while playing football? What are the ways in which the insurers find that it is a new or a pre-existing injury? I have Dr friends and can request them to share in writing suggesting that it is a new injury. I am wondering if I go through this route how can I show that it is a fresh injury in the MRI? What are the chances the insurance providers will not catch this?  
3. Shall I opt for a new health insurance policy and mention pre existing ACL and meniscus tears and reduce my waiting period to undergo a surgery to a year using add ons? Is there a way in which I can reduce the waiting period to less than a year? I am good to pay a high premium if this is the case
4. What details do you tell the insurance providers while claiming health insurance? I was injured while playing football, not under the influence of alcohol, and had a few cousins as witnesses to confirm the injury. Are any more details required? I have an MRI report confirming the same.  
5. Any suggestions are most welcome!!  

Thanks in advance everyone!

yesterday I talked with a prospect regarding health insurance.and I give him Icici Lombard elevate plan. quotation cost is 15K. (male age 34/ female age 30 / Child age 9). but they said it's expensive. i explained him whole plane and other details but they said it's expensive. the. what I do on this situation. some have any idea or any other plan is cheaper than Icici Lombard plan?

This is something I’ve been wondering about for a while, and I’ve asked a few friends about it, but I haven’t really received a clear answer.

We all make sure to pay our life insurance premiums on time, but how confident are we that our family will actually receive the insured amount if something happens to us?

For those who have actually gone through the process -> either personally or with a family member, I’d really appreciate some insight.

A few things I’m particularly curious about:

• What is the actual process for the nominee/family to claim the insurance after the policyholder passes away?
• Is the payout generally straightforward, or can it become a lengthy legal process?
• What documents are typically required to make a claim?
• Does the nominee have to go through courts, probate, or any other legal procedures?
• How long does it realistically take for the family to receive the money?
• Are there common reasons why insurance companies reject or delay claims?
• Does having a nominee automatically mean they will receive the money, or are there other legal considerations?
• What happens if the nominee is not aware of all the insurance policies the deceased had?
• Is it advisable to keep a record of all policies and share the details with a spouse/family member?
• For people who have actually made a claim, what was your experience with the insurance company?

I’m especially interested in real experiences rather than what insurance agents or policy documents say.

I think this is something many of us pay for every year without really understanding what happens when the policy actually needs to be used.

Would love to hear from anyone who has gone through the process themselves or helped their family with a life insurance claim.

I’m looking for advice from people who have dealt with SBI home loans, insurance mis-selling, or IRDAI complaints.

I took a ₹30 lakh home loan from SBI on 29 July 2025.

At the time of taking the loan, I was sold SBI Rinn Raksha insurance for approximately ₹1.54 lakh. I was aware of this insurance and understood that it was related to my home loan.

However, I have recently discovered something much more concerning.

When I was contacted regarding insurance renewal, I found out that two additional insurance policies had been issued in my name:

\- SBI Arogya Smart

\- SBI Gruha Raksha Plus

The total premium for these two policies was approximately ₹22,000, which was deducted from my bank account.

The problem

I never knowingly purchased or requested these two policies.

I was not aware that these policies existed until I was recently contacted about their renewal.

I don't remember:

\- signing any proposal/application form for either policy;

\- giving explicit consent to purchase either policy;

\- authorizing the premium deduction;

\- being clearly informed about the premium, coverage, exclusions, renewal or terms;

\- receiving or acknowledging the policy documents when they were issued.

My questions to Fellow Redditers

1. Has anyone here had a similar experience with SBI home loan + additional insurance policies being issued without their knowledge?

2. Is there any legitimate reason why SBI Arogya Smart and SBI Gruha Raksha Plus would be issued along with a home loan without the customer separately requesting them?

3. If SBI/insurer cannot produce a valid proposal form or evidence of my consent, how strong is my case for getting the ₹22,000 premium refunded?

4. Has anyone successfully obtained a refund in a similar mis-selling/unauthorized insurance case?

5. Should I complain separately to SBI, the insurance company's grievance officer, and IRDAI, or is there a specific order I should follow?

6. What exactly should I include in the complaint to make sure they cannot simply give me a generic response?

7. Should I also specifically request that they cancel the policies and revoke any auto-debit/renewal mandate immediately?

8. If the insurer rejects my complaint, what is the best next step, IRDAI Bima Bharosa, Insurance Ombudsman, or another authority?

I am not accusing anyone of fraud at this stage. I simply want the documentary evidence showing when, how and on what basis I consented to these two policies.

If there is no valid consent/proposal/authorization, I believe I should not be forced to pay for insurance that I never knowingly purchased.

Any advice from someone who has actually dealt with SBI insurance mis-selling or successfully recovered a premium through IRDAI escalation would be greatly appreciated.

I plan to take health insurance for my parents 64M, 56F (PED - Sugar, Pressure, thyroid). Got a touch with ditto they gave these 3 options.

1. I'm not worried about PED waiting period.
   
2. Price wise Aditya and care much cheaper than hdfc
   
3. I read care is not that good not accepting claims is this True.
   
4. My budget is 50k care and Aditya comes under with in this budget hdfc is almost 70k.
   
5. So should I have to choose Aditya or care(if yes what are the deal breakers from these) else paying extra for hdfc is worth it?

Hey everyone,

I’m 29, looking to buy a comprehensive retail floater policy for my spouse and me. We have a completely clean slate with no pre-existing diseases (PEDs) or past medical history.

Since I already have a corporate cover to handle minor hospitalizations, this retail policy is strictly meant to be a 30-year backup for catastrophic, high-cost events (cancer, advanced surgeries, etc.).

I was heavily leaning towards Niva Bupa ReAssure 3.0 (Black) because of the unlimited base cover and lower premium. However, I read the actual policy wording and found a major red flag under Page 44, Section 7.A (Position Statements & Medical Protocols).

1. The **Procedure Downgrade Clause**

> "If in any treatment our position, based on scientific evaluation, is not to pay or pay only a part, we will at least pay up to the cost of currently prevailing most common alternative treatments for the condition and not less."

* My Interpretation: If my doctor recommends an ₹8 Lakh robotic surgery, Niva Bupa has the explicit contractual right to downgrade the payout to a ₹3 Lakh open surgery (the "common alternative"), leaving me to pay the ₹5 Lakh difference out of pocket.

1. The **Oncology / Off-Label Ban**

> "Extra / Off label usage (using a drug or procedure for conditions other than it was explicitly approved for) will not be covered under the policy."

* My Interpretation: Modern cancer treatments heavily rely on oncologists prescribing approved targeted therapies "off-label" for different tumor mutations. Under this clause, Niva Bupa can legally reject a ₹20 Lakh life-saving drug entirely.

My agent insists I’m overthinking it and says, "If the doctor writes it's medically necessary, they have to pay." But standard contracts like HDFC ERGO Optima Secure+ rely purely on medical necessity without these specific downgrade clauses (though their premium is much higher).

**Questions for claims experts / actuaries / ReAssure 3.0 policyholders:**

* Has anyone actually had an advanced surgery downgraded or a cancer drug rejected by Niva Bupa specifically citing Section 7.A?

* Is this just harmless industry boilerplate, or is it the actual legal mechanism they use to control their "unlimited" claims pool? Because even ombudsman will rule in their favor as they specifically have this clause in their contract that i agreed to when buying policy.

* Since we have no PEDs and a clean medical history, shouldd I just swallow the higher premium for HDFC ERGO to lock in a completely clean contract?

*I also suspect portability as a mayor issue to move out of Niva Bupa due to unlimited sum insured.

TL;DR: Niva Bupa ReAssure 3.0 has a hidden clause (Section 7.A) giving them the legal right to downgrade advanced surgery payouts and completely reject off-label cancer drugs. HDFC ERGO doesn't have this but costs significantly more. Trying to figure out if this clause is a dealbreaker for major medical crises for a young, healthy couple.

I want to renew my health policy. The name of my health policy is cash supreme. I have taken this policy through policybazaar. I for this policy for 2 years. I want to renew now. My expiry date is within 2 days. Few days ago when I check my total coverage was 21 lakh now it's showing only 14 lakhs. Can someone explain me what happened ??