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Stuck with issues on my family policies

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31 Mar, 2021 by  Ayush Agrawal

I have 3 policies with HDFC Ergo for my family.

2 policies are of Optima Restore and one of Easy Health.

I am having the following issues:

  1. All policies are sold by an agent. HDFC is refusing to shift them to direct at the time of renewal.
  2. I am unable to change the registered email and mobile number on all policies.
  3. There is spelling mistake in member name in all policies which HDFC refuses to correct.
  4. I want to change from Easy Health to Optima Restore Policy for one family member at time of renewal. HDFC is not allowing for same.

HDFC is non receptive to my multiple emails and calls since last 5 months. Earlier policies were of Apollo Munich

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Health Insurance

1 Answer

Regional Director, Amicus Insurance Broking

As regards change in agent to direct, once a policy booked in an agent’s code, insurers do not alter it to another code or direct. Removal of agents code will not result in lower premiums for you. The question is why do you want to remove the agent? If you are not being serviced by the agent properly, you can raise a complaint to the insurer and get a resolution.

As regards other issues such as name spelling correction, email and mobile number, these must be done on request. Also migration from Easy Health to Optima Restore should be possible unless there are technical issues which insurer is obliged to inform you.

If you are not getting resolution, please write to the Chief Grievance Officer of HDFC. If you still don’t get a response within 30 days or if the response is unsatisfactory, you can approach the Insurance Ombudsman Office. The address of Ombudsman would be available in your policy document.

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