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HDFC ERGO rejects reimbursement claim citing non-cooperation after missed verification visits

HDFC ERGO General InsurancePC-2026-02940Insurance ClaimsAnonymous ·
Dear HDFC ERGO General Insurance Parthanil Ghosh I am extremely disappointed with the way HDFC ERGO General Insurance has handled my reimbursement claim, RR-HS25-15495003, for the past eight months. My claim was initially closed due to what I believe was negligence on the company's part. To facilitate reopening, I scheduled appointments twice with both the treating doctor and the patient for verification. However, on both occasions, no representative from HDFC ERGO visited either the doctor or the patient at the scheduled time. After I repeatedly raised the issue, my claim was reopened. However, it continued to show as "Closed" on the company's portal despite multiple emails and calls requesting correction. Unfortunately, there was no satisfactory cooperation or resolution from the company's side. After keeping me waiting for nearly three months for claim reopening, HDFC ERGO ultimately rejected my claim, citing non-cooperation on my part. This is completely unacceptable. How can a customer be blamed for non-cooperation when the company's representatives failed to attend two scheduled verification appointments? Furthermore, on 20 August 2026, HDFC ERGO itself emailed me confirming that my appointment had been taken on record and that its team would visit accordingly. Then, what exactly was the basis for alleging non-cooperation on my part? The lack of consistency and transparency has continued even during the grievance escalation process. I was initially asked to wait until 21 October, then the deadline was extended to 23 October, and now I am being asked to wait another seven days. How long is a customer expected to wait? Is there any accountability for repeatedly breaking promised timelines? Where is the transparency in this entire process? This prolonged delay, repeated miscommunication, failure to conduct verification, and unjustified allegation of non-cooperation have already caused me significant loss, stress, and inconvenience. I am not asking for any special treatment. I am simply demanding a fair investigation, clear written justification for the rejection, and accountability for the failures and miscommunication that occurred during the handling of my claim. I sincerely request HDFC ERGO's senior management and the concerned grievance redressal authorities to intervene and provide a clear, transparent, and evidence-based response to the questions I have repeatedly raised. A customer should not be penalized for a company's own failures. Accountability, transparency, and fair treatment are fundamental expectations—not favours. I hope HDFC ERGO's senior leadership will take this matter seriously and ensure that my concerns are addressed without any further unnecessary delay. @HDFC ERGO General Insurance #HDFCERGO #HealthInsurance #InsuranceClaim #CustomerRights #ClaimRejection #CustomerService #Accountability #Transparency #InsuranceOmbudsman #IRDAI

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  1. Case filed

    System · 25 Oct 2026, 6:43 pm

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