India Gets Moving - Apple Watch Payment Received || Money Refund (With Solution)

India Gets Moving - Apple Watch Payment Received || Money Refund

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Category 1 : Not Getting any Email not for rejection/approval
Email Format -
Dear HDFC ERGO Support Team,

I am writing to inquire about my claim under the Stay Fit To Benefit Cover of my Sarv Suraksha Plus (Group) Policy. I purchased an Apple Watch and joined the India Gets Moving initiative. I successfully redeemed my benefit on *********** , but I have not yet received my refund.

I would appreciate it if you could provide an update on the status of my claim and an estimated timeline for the refund. I have attached all documents for your reference.

Policy Details:

Policy Number: ******************
Policy Holder Name : ***********
Redemption Date: ***********
Registered Mobile Number: ***********
Please let me know if any further information is required. Looking forward to your prompt response.

Thank you.

Best regards,
Your Name
Contact No

Email id's -
1. [email protected]
2. [email protected]
3. [email protected]


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Category 2 : Rejection Mail Received/Here App Option Removed
Email Format -

Subject: Complaint Against HDFC ERGO - Unjust Claim Rejection, Policy Termination and Irrelevant Response

To
The Insurance Regulatory and Development Authority of India

Respected Sir/Madam

I am filing this complaint against HDFC ERGO General Insurance Co. Ltd. for unjustly rejecting my claim, unlawfully terminating my policy, and failing to provide any legitimate reason or evidence. Instead of addressing my concerns, HDFC ERGO responded with an irrelevant email that did not answer my specific questions.

Policy and Claim Details
Policyholder Name - *******************
Policy Number - *******************
Claim Reference Number - *******************
Program India Gets Moving - Stay Fit to Benefit cover under Sarv Suraksha Plus Group Policy
Purchase Date - *******************
Claim Submission - *******************

Issue Summary:

I purchased an Apple Watch for Rs ****** under a policy promising a full refund over 12 months if I walked 15000 steps daily. I diligently met this requirement, walking 2.5 to 3 hours daily. However, HDFC ERGO rejected my claims on ****** without a valid reason and unilaterally terminated my policy, vaguely alleging fraudulent data manipulation without proof.

Key Violations by HDFC ERGO:
1. Violation of IRDAI Protection of Policyholders Interests Regulations 2017
HDFC ERGO failed to provide a specific reason or proof for claim rejection.
Ignored my request to compare Apple Health and HDFC ERGO app data.
2. Lack of Transparency - Non-Disclosure of Fraud Detection Criteria
Refused to share fraud detection methodology or data validation criteria.
Violates IRDAI Circular Ref IRDAI/LIFE/CIR/MISC/229/12/2020.
3. Unfair Trade Practice - Concealment of Material Terms
Retroactively applied undisclosed conditions such as requiring GPS tracking or heart rate monitoring.
Violates Section 2(47) of the Consumer Protection Act 2019.
4. Unlawful Policy Termination
Policy canceled without proving fraud, violating Section 45 of the Insurance Act 1938.

Irrelevant Response from HDFC ERGO

My detailed grievance on ******* received a vague reply
Did not address key concerns
Reiterated rejection without evidence
Directed me to the Insurance Ombudsman without first clarifying their decision

My Demands
1. Written justification for claim rejection, including
Exact reason, supporting data analysis, and fraud detection methodology
2. Reinstatement of my policy and immediate processing of pending claims
3. Regulatory action against HDFC ERGO for violating IRDAI regulations

Request for Immediate Action

HDFC ERGO has failed to provide a valid justification for rejecting my claim and terminating my policy. I request IRDAI urgent intervention to ensure compliance and policyholder protection.

I am attaching all the supporting documents and emails exchanged with HDFC ERGO.

Sincerely
Name - *******
Contact No - *******
Policy No -*******

Email id's -
1. [email protected]
2. [email protected]
3. [email protected]
4. File a complaint with IRDAI:
Via portal https://bimabharosa.irdai.gov.in or via email: [email protected]

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