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Porting Health Insurance - Previous Insurer not issuing "No Claim Certificate"

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30 Sep, 2020 by  Alistair

I had a policy with Apollo Munich/HDFC Ergo health insurance and exercised portability option in Sept 2020 and transferred to Bajaj Allianz Health Insurance.

Bajaj Allianz was willing to transfer, Cumulative Bonus previously obtained prior 2019 and also the one obtained between 2019-2020 on the basis of the renewal notice or no claim certificate issued by the previous insurer which is Apollo Munich/ HDFC Ergo.

Apollo Munich has denied the No Claim Certificate for the previous year (2019-2020) on the basis a claim for "Preventive Health Check Up" was reimbursed whereas the terms and conditions of the policy clearly state that preventive health check up reimbursement does not affect the "In Patient Sum Insured" and does not affect the "Cumulative Bonus".

Done with following the matter as per the grievance redressal policy of the company and Integrated Grievance Management System (IGMS) of IRDA. Is Ombudsman the last option ?

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2 Answer

30 Sep, 2020
Founder, Beshak

Hello Alistair,

This is really surprising and not expected. Thank you for sharing it on this platform.

To help you we will require to go through the communication received from the insurance companies etc. Do let us know if you can share the same to We will try our best to resolve this.



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30 Sep, 2020
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08 Oct, 2022
pratik rai

Mai Pratik Rai. meri tabiyat jyada kharab ho Jane ke reasons se mai New Lifeline hospital, Ambala, Chandigarh mein admit hua tha. admit date 01/09/2022 to 06/09/2022 tak hospitalized tha. admit ke time meri family ne kenko health emergency call pe inform bhi kr diya tha or discharge hone ke baad bhi emergency call pe inform kiya tha. and kenko health emergency ne sabhi documents and all hospital bills ko kenko ki mail id pe mail krne ko bola tha or 24 -48 Hours mein claim reimbursement settled ho jaega. Or mai un did bahot problem face kiya kyoki koi bhi Kenko-Health department mein call nhi lgta tha or thik 1 months baad mera claim reject kr diya gya hai. Maine companies ke sab kuch follow krne ke baad bhi mera claim reject kr diya gya hai. kya ye fake fraud companies hai jo customers ka paisa ka miss use kr rhi hai. or Kenko-Health customers health insurance public ko fool bna kar amount le rhi hai.

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