Even after informing the Agent all about the diseases they have not informed the company and provided me the insurance . Next year before renewal I revalided the same and norticed that the agent had fooled me and he hasnt provided any supporting document which could help Star in declining the claim.
On top when I addressed this this is the reply given by the company. They tell al lthe mistakes are customers and agents dosent have any role in this. This is how they ash away. So never go with a company which is already predecided to be with fraud agent and cheat customers.
Dear Sir/Madam,
RE:- Policy no P/* Policy. Senior Citizen Red Carpet Policy
We acknowledge your representation regarding the issue in incorporating PED in the above mentioned policy.
In this connection, we would like to inform you that it is the responsibility of every customer to disclose all the previous medical history in the proposal form and our intermediary assist only to fill up the form.
Informing orally to the agent/SM is not sufficient and the declaration of the previous medical history has to be mentioned in the proposal. The proposer has to verify the proposal before signing.
At the time of taking our policy which is on..20*, you have not disclosed the medical history in the proposal form which amounts to non-disclosure of material facts leads to the violation of principle of utmost good faith and making the insurance contract voidable.
We, based on your request vide telecom, advising you to submit the entire medical documents regarding the ailment which is to be incorporate as PED
By evaluating the risk element, we will communicate you. Be extra cautious when you are planning to go with Star. I suggest you to take insurance with other companies .