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I joined a MNC few months back. They use medical assist for employee insurance. I opted for plan B since parents are not covered under default plan. I had to pay extra premium of 12k. Now this year I thought of changing the plan since I got to know that my sister’s policy cover my parents and the coverage was better as compared to medi assist. After inquiry I came to know that for plan B there is a locking period of 3 years. This was not mentioned properly on the front page while applying. Rather it was mentioned somewhere in the agreement down the line which I had not read.
This is a fraudulent practice of deceving the customer and putting compulsion. I am really unhappy by the way all this went. I am still trying to find a way I can get out of this entire insurance plan. Now they are not providing any ways to cancel the policy nor allowing me to opt out by paying some penalty. This like I have to pay 25k for 2 years for something I am never going to get the benefit.