Hi, I have taken HDFC home suraksha plus policy from HDFC Ergo General Insurance. In that they
have mentioned that for loss of job, they will give three months EMI.
I have lost my job on jan 18th. I was paying the EMI as Rs.30000 per month. They have only
one toll free number for any contact. I called them then, they told me to register for the claim
and i have done it. They sent the list of docs to be sent to them for claim after a week.
Then i have sent the required docs. Then they did not give any feed back . I was calling
again and again then they told that some docs are missing. But they have not mentioned in the
check list which they have sent. Upto this time,my EMI for JAN was paid by me. I wished that
atleast from feb onwards they may pay.( since i lost job, i was not having much money.).
Then they asked some more docs. That also i have sent to them. Then as usual no feed back.
i called to the toll free number again and again. they were telling that they did not receive the
docs. I was giving courier number to the call centre team on a daily basis. Then feb end also came.
Again i have paid the EMI..Then i told them that if HDFC itself behaves like this, then what to do..
like that..i told them.
Then suddenly the claim officer called me and told that it is in process. after two days, i called
them again and again. then the claim officer called me and told me that my claim got rejected..( super!!)
I shouted them that if you have told me earlier, then i would have done some part payment and might
have reduced that interest rate..
You know, why my claim got rejected.. they are asking me to get letter from HR that Our company is winding up
due to these reasons , so we asked them to resign. like that..How a company give like that..
Our HR sent mail to them that since we are closing the operations of Uninor, please resign on this date..
I have sent that email print out. They are not accepting that. They are not accepting the relieving letter from
the company. And more over the Uninor has closed in TN due to 2G scam is a well known issue. But they are
not accepting that also.
Is is possible to take my three months EMI? Or we should leave it.. please guide..