DeepaBhattacharya
New member
- Policy Name
- Home Suraksha Plus
- Company Name
- HDFC Ergo
- Customer Care Number
- 02262346234
- Loss Amount
- 220000
- Ratings
- Opposite Party Address
- HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri-Kurla Road, Andheri East,
Mumbai, Maharashtra – 400059, India.
Email: care@hdfcergo.com
Phone: 022-6158-2020
CIN: U66030MH2007PLC177117
To,
The Honorable Consumer Disputes Redressal Commission
Respected Sir/Madam,
I wish to lodge a formal consumer complaint against HDFC ERGO General Insurance Company Limited regarding the handling and rejection of my Loss of Job insurance claim, which has caused me significant financial hardship, mental distress, and loss of trust.
Despite repeated follow-ups over nearly six months, escalation to the insurer's senior management, and registration of a grievance through IRDAI Bima Bharosa, my concerns remain unresolved.
1. Background of the insurance policy
My husband, Mr. Prashant Bhattacharya, and I are both named insured persons under HDFC ERGO Home Credit Assure Certificate No. 2918205127332700000, issued on 22 December 2022.
Section V provides Loss of Job coverage for three EMIs and states that where both insured persons contribute towards the loan EMI, the benefit is limited to their respective contributions.
I submitted a Loss of Job claim under Claim No. RR-PA26-15772028, with the claim process commencing on 17 April 2026.
2. Prolonged claim processing and repeated follow-ups
Following my claim initiation, I was required to submit multiple documents, employment records, declarations, and banking details. I also cooperated with the verification process.
Despite repeated follow-ups and communication of my financial difficulties, the insurer continued processing the claim for nearly six months.
On 12 October 2026, HDFC ERGO issued a repudiation letter rejecting my claim.
The insurer also recorded 29 June 2026 as the claim intimation date, despite my earlier communication commencing on 17 April 2026.
3. Disputed grounds for claim rejection
HDFC ERGO rejected my claim on the stated ground that three EMIs had already been paid under my husband's earlier Loss of Job claim, RR-PA24-14439239.
However, the insurer has not identified the specific policy clause establishing that settlement of a claim for one insured person automatically extinguishes the entitlement of another named insured person.
Furthermore, in its written communication dated 4 December 2024, HDFC ERGO acknowledged that benefits are limited to the respective EMI contributions where both insured persons pay the EMI.
I believe the insurer has failed to provide a sufficiently reasoned explanation of how these provisions apply to my claim.
4. Financial hardship and mental distress
The prolonged processing and uncertainty placed me under considerable financial pressure during a period of employment-related financial difficulty.
Despite repeatedly communicating the urgency of my EMI obligations, I was compelled to use my personal savings to meet these payments.
This affected my financial planning and family savings and caused substantial anxiety, stress, and emotional distress.
I submit that the reasonableness of the prolonged processing, repeated documentation, and eventual rejection on grounds already available in the insurer's records warrants examination for deficiency in service.
5. Escalation through IRDAI Bima Bharosa without satisfactory resolution
On 12 October 2026, I registered a formal complaint through IRDAI Bima Bharosa under Token No. 10-26-012774.
The insurer responded by repeating that three EMIs had previously been paid under my husband's claim, without addressing my questions regarding the applicable policy clause, benefit allocation, prolonged processing delay, or financial hardship.
I formally disagreed with this response and escalated my dissatisfaction through the Bima Bharosa portal.
As of the date of this complaint, I have not received a satisfactory substantive response to that escalation.
6. Insurance Ombudsman proceedings
I have also registered a complaint with the Insurance Ombudsman, New Delhi, under Registration No. ONL-DEL-G-018-2627-00996.
I am disclosing this proceeding for transparency and will comply with the applicable requirements concerning parallel proceedings.
7. Relief requested
I respectfully request examination of the alleged deficiency in service and disputed claim repudiation, together with appropriate relief, including:
I request your intervention and appropriate redressal under the Consumer Protection Act, 2019.
Yours faithfully,
Deepa Bhattacharya
+91 9810309444
HDFC ERGO Claim No. RR-PA26-15772028
Insurance Certificate No. 2918205127332700000
IRDAI Bima Bharosa Token No. 10-26-012774
Insurance Ombudsman Registration No. ONL-DEL-G-018-2627-00996
The Honorable Consumer Disputes Redressal Commission
Respected Sir/Madam,
I wish to lodge a formal consumer complaint against HDFC ERGO General Insurance Company Limited regarding the handling and rejection of my Loss of Job insurance claim, which has caused me significant financial hardship, mental distress, and loss of trust.
Despite repeated follow-ups over nearly six months, escalation to the insurer's senior management, and registration of a grievance through IRDAI Bima Bharosa, my concerns remain unresolved.
1. Background of the insurance policy
My husband, Mr. Prashant Bhattacharya, and I are both named insured persons under HDFC ERGO Home Credit Assure Certificate No. 2918205127332700000, issued on 22 December 2022.
Section V provides Loss of Job coverage for three EMIs and states that where both insured persons contribute towards the loan EMI, the benefit is limited to their respective contributions.
I submitted a Loss of Job claim under Claim No. RR-PA26-15772028, with the claim process commencing on 17 April 2026.
2. Prolonged claim processing and repeated follow-ups
Following my claim initiation, I was required to submit multiple documents, employment records, declarations, and banking details. I also cooperated with the verification process.
Despite repeated follow-ups and communication of my financial difficulties, the insurer continued processing the claim for nearly six months.
On 12 October 2026, HDFC ERGO issued a repudiation letter rejecting my claim.
The insurer also recorded 29 June 2026 as the claim intimation date, despite my earlier communication commencing on 17 April 2026.
3. Disputed grounds for claim rejection
HDFC ERGO rejected my claim on the stated ground that three EMIs had already been paid under my husband's earlier Loss of Job claim, RR-PA24-14439239.
However, the insurer has not identified the specific policy clause establishing that settlement of a claim for one insured person automatically extinguishes the entitlement of another named insured person.
Furthermore, in its written communication dated 4 December 2024, HDFC ERGO acknowledged that benefits are limited to the respective EMI contributions where both insured persons pay the EMI.
I believe the insurer has failed to provide a sufficiently reasoned explanation of how these provisions apply to my claim.
4. Financial hardship and mental distress
The prolonged processing and uncertainty placed me under considerable financial pressure during a period of employment-related financial difficulty.
Despite repeatedly communicating the urgency of my EMI obligations, I was compelled to use my personal savings to meet these payments.
This affected my financial planning and family savings and caused substantial anxiety, stress, and emotional distress.
I submit that the reasonableness of the prolonged processing, repeated documentation, and eventual rejection on grounds already available in the insurer's records warrants examination for deficiency in service.
5. Escalation through IRDAI Bima Bharosa without satisfactory resolution
On 12 October 2026, I registered a formal complaint through IRDAI Bima Bharosa under Token No. 10-26-012774.
The insurer responded by repeating that three EMIs had previously been paid under my husband's claim, without addressing my questions regarding the applicable policy clause, benefit allocation, prolonged processing delay, or financial hardship.
I formally disagreed with this response and escalated my dissatisfaction through the Bima Bharosa portal.
As of the date of this complaint, I have not received a satisfactory substantive response to that escalation.
6. Insurance Ombudsman proceedings
I have also registered a complaint with the Insurance Ombudsman, New Delhi, under Registration No. ONL-DEL-G-018-2627-00996.
I am disclosing this proceeding for transparency and will comply with the applicable requirements concerning parallel proceedings.
7. Relief requested
I respectfully request examination of the alleged deficiency in service and disputed claim repudiation, together with appropriate relief, including:
- Reconsideration and payment of any insurance benefits found legally payable under the policy, together with applicable interest.
- Fair compensation for mental agony, harassment, and emotional distress attributable to any proven deficiency in service.
- Compensation for any additional financial losses established to have resulted from the insurer's conduct.
- Reimbursement of reasonable litigation expenses.
- Any other relief deemed appropriate by the Honorable Commission.
I request your intervention and appropriate redressal under the Consumer Protection Act, 2019.
Yours faithfully,
Deepa Bhattacharya
+91 9810309444
HDFC ERGO Claim No. RR-PA26-15772028
Insurance Certificate No. 2918205127332700000
IRDAI Bima Bharosa Token No. 10-26-012774
Insurance Ombudsman Registration No. ONL-DEL-G-018-2627-00996