Life is precious and you never know what might happen in the next step you take. In order to preserve the smile that your loved one’s possess, you need to take certain measures that ensures their safety and protection if something happens to you or them.
Insurance is one such step to safeguard those priceless smiles. Nowadays there are a series of companies that provide a life insurance and cover against medical emergencies or accidents. Amongst the big names are LIC, Bajaj Allianz, Reliance and TATA. I want to specify an experience I had with the TATA AIA Life Insurance Company.
Tata AIA Insurance, an initiative by the TATA group provides life insurance covers against emergencies and medical importance to individuals, or a family. They are amongst the leading in insurance providers in India however lately I have had a quite embarrassing experience with them.
I want to state here that my grandfather, has an insurance policy with them since the last 5 years. And initially it was an okay service but eventually, it stressed the hell out of us. Just a few years back, my grandfather suffered a medical emergency which required immediate funding. Since my grandfather had a medical insurance, we thought the company would cover it. But then came the shock. There are a certain formalities that needs to be covered with the company to claim an insurance. Here I would like to specifically point out there customer service and staffs knowledge.
The customer service is the most pathetic one we have ever come across. They failed to resolve our query and for each customer representative we called, each of them came up with a different solution to the problem. I mean, if they don’t know how to tackle a situation, what are they doing in the customer representative’s position?
Another very irritating thing was when we had to submit a form for duplicate policy. Since my grandfather has left side paralysis, I had got all the formalities completed by him and taken the form to submit in the office branch. But they didn’t accept it and insisted on bringing grandfather. When I told the correspondence about our problem, he said he would send a representative to complete the process at our home. But the representative never appeared. Ultimately I had to take my grandfather to the branch in order to complete the form submission.
They should take such things seriously. One thing is their awful customer service. In order to function rather effectively, they need to implement efforts in increasing the quality of their customer support. Besides, there should be some measure for senior customers who aren’t able to visit the office. And finally, the correspondence should be a little more active. In my opinion, you can rather opt for LIC than investing your money on this one.