Madhusudhan DK
New member
- Policy Name
- HDFC Life Click 2 Protect Supreme
- Company Name
- HDFC Life Insurance Company Limited
- Customer Care Number
- 1800-266-0315
- Loss Amount
- 53847
- Ratings
- Opposite Party Address
- HDFC Life Insurance Company Limited
Lodha Excelus, 13th Floor, Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi, Mumbai – 400011
Complainant:
Madhusudhan
Bengaluru, Karnataka
(Provide your full address, phone number, and email here)
Versus
Opposite Party:
HDFC Life Insurance Company Limited
Lodha Excelus, 13th Floor, Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi, Mumbai – 400011
(And the branch office where you applied, if applicable)
COMPLAINT
The Complainant respectfully submits the following:
1. That the Complainant purchased a term insurance policy “HDFC Life Click 2 Protect Supreme” (Application No. 1100131083952) on 18/11/2025, paying a premium amount of ₹53,847.
2. That the Opposite Party required the Complainant to undergo medical tests, which were duly completed as follows:
3. That despite completing all medical requirements
promptly, the Opposite Party failed to provide any medical reports, updates, or communication regarding the status of the policy.
4. That on contacting the sales representative, the Complainant was informed that the policy had been rejected for “medical reasons” without sharing any medical findings or justification.
5. That the Opposite Party further stated that the refund would take several business days, causing unnecessary delay and financial inconvenience.
6. That the Complainant incurred travel expenses, loss of productive time, and mental harassment due to the Opposite Party’s negligence and lack of transparency.
7. That the actions of the Opposite Party constitute:
RELIEFS SOUGHT
The Complainant prays that this Hon’ble Commission may kindly direct the Opposite Party to:
a. Refund the premium amount of ₹53,847 immediately.
b. Pay interest on the above amount for the entire period it was held by the Opposite Party.
c. Reimburse travel and medical‑related expenses incurred by the Complainant.
d. Pay litigation costs as deemed appropriate by this Hon’ble Commission.
e. Grant any other relief that this Hon’ble Commission may deem fit in the interest of justice.
Note: Till I draft this complaint I have not received any updates from HDFC Life about status of my application, reason for rejecting insurance and finally about refund of the money which I paid to HDFC life.
LIST OF DOCUMENTS ATTACHED
DECLARATION
I, the Complainant, hereby declare that the facts stated above are true and correct to the best of my knowledge and belief.
Place: Bengaluru
Date:
Signature:
Name: Madhusudhan DK
Madhusudhan
Bengaluru, Karnataka
(Provide your full address, phone number, and email here)
Versus
Opposite Party:
HDFC Life Insurance Company Limited
Lodha Excelus, 13th Floor, Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi, Mumbai – 400011
(And the branch office where you applied, if applicable)
COMPLAINT
The Complainant respectfully submits the following:
1. That the Complainant purchased a term insurance policy “HDFC Life Click 2 Protect Supreme” (Application No. 1100131083952) on 18/11/2025, paying a premium amount of ₹53,847.
2. That the Opposite Party required the Complainant to undergo medical tests, which were duly completed as follows:
- 22/11/2025: Blood and urine samples collected at the Complainant’s residence
- 06/12/2025: 2D Echo test completed at Apollo Clinic
3. That despite completing all medical requirements
promptly, the Opposite Party failed to provide any medical reports, updates, or communication regarding the status of the policy.
4. That on contacting the sales representative, the Complainant was informed that the policy had been rejected for “medical reasons” without sharing any medical findings or justification.
5. That the Opposite Party further stated that the refund would take several business days, causing unnecessary delay and financial inconvenience.
6. That the Complainant incurred travel expenses, loss of productive time, and mental harassment due to the Opposite Party’s negligence and lack of transparency.
7. That the actions of the Opposite Party constitute:
- Deficiency in service
- Unfair trade practice
- Violation of IRDAI (Protection of Policyholders’ Interests) Regulations
- Violation of Consumer Protection Act, 2019
RELIEFS SOUGHT
The Complainant prays that this Hon’ble Commission may kindly direct the Opposite Party to:
a. Refund the premium amount of ₹53,847 immediately.
b. Pay interest on the above amount for the entire period it was held by the Opposite Party.
c. Reimburse travel and medical‑related expenses incurred by the Complainant.
d. Pay litigation costs as deemed appropriate by this Hon’ble Commission.
e. Grant any other relief that this Hon’ble Commission may deem fit in the interest of justice.
Note: Till I draft this complaint I have not received any updates from HDFC Life about status of my application, reason for rejecting insurance and finally about refund of the money which I paid to HDFC life.
LIST OF DOCUMENTS ATTACHED
- Copy of policy application acknowledgment
- Payment receipt for ₹53,847
- Medical test appointment confirmations
- Any communication with HDFC Life
- ID proof and address proof
- Any other supporting documents
DECLARATION
I, the Complainant, hereby declare that the facts stated above are true and correct to the best of my knowledge and belief.
Place: Bengaluru
Date:
Signature:
Name: Madhusudhan DK