RAJA KRISHNA LAKSHMAN
New member
- Policy Name
- HDFC ERGO HEALTH WALLET FAMILY FLOATER POLICY
- Company Name
- HDFC ERGO GENERAL INSURANCE
- Customer Care Number
- 18002677444
- Loss Amount
- 9600
- Ratings
- Opposite Party Address
- Address: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059
Landmark: Near Metro Station, Andheri East
*Subject:* Re: Bima Bharosa Token No. 09-26-026057 - Policy 2803203870506806003 - Objection to CGO reply 30-09-2026 - No RB ledger from opening Rs 83938 - Request to keep token open
Respected Sir/Madam,
Ref: Bima Bharosa Token No. 09-26-026057 - Policy No. 280320387050680000 renewed as 2803203870506806 - Endorsed Policy 2803203870506806003 - Period 02/05/2026 to 01/05/2027 - Health Wallet Family Floater - UIN HDHHLIP21337V022021
I do NOT accept CGO reply dated 30-09-2026 23:35 which says "Reserve Benefit limit has already been fully utilized by the insured member" for Claim RR-HS26-15970811.
*1. Opening Balance Rs 83938 admitted by Insurer itself under 6806003 from May 2026 - From here forward:*
a) April 2026 - Sultan S. - Grievance Redressal Team - MD & CEO escalation 27 April 2026 - Policy 2803203870506806002 - Admitted: "due to an inadvertent system glitch, the Cumulative Reserve Benefit in your policy was not captured at the time of renewal. We sincerely apologise... correction request for the Cumulative Reserve Benefit has been processed under the endorsed policy number 2803203870506806003 for Rs 83,938"
b) 13 May 2026 - Grievance Cell - Email 12 May 2026 - "the correct Reserve Benefit is updated in the policy under endorsed policy number 2803203870506806003. Hence, we request you to ignore the Reserve Benefit updated under endorsed policy numbers 2803203870506806001 and 2803203870506806002"
Hence opening balance Rs 83938 as on 02/05/2026 under 2803203870506806003 is fresh for policy year 02/05/2026 to 01/05/2027. I am talking of present claims in policy in force year 6806003 only. They cannot bring back dated data.
*2. No RB ledger provided till now to prove fully utilized:*
CGO reply 30-09-2026 has no ledger. I demanded in my emails dated 29-09-2026 and 01-10-2026 00:41 - Provide RB ledger on company letterhead with seal from opening balance Rs 83938 as on 02/05/2026 under 2803203870506806003 From here forward in format: Claim No | Claim Date | Member Name | RB Limit Utilised | Balance Amount | Running Total to tally Rs 83938/- - Show opening Rs 83938/-, each utilisation with claim date, and closing balance - From 02/05/2026 forward only.
*3. My total claims from 02/05/2026 till 29/09/2026 are only 13 claims Rs 14,801/- as per HDFC portal:*
RR-HS26-15991999 - Mrs Devlina - Rs 1,376
RR-HS26-15970811 - Mrs Devlina - Rs 798 - REPUDIATED
RR-HS26-15967260 - Mrs Devlina - Rs 659
RR-HS26-15959835 - Mrs Devlina - Rs 1,008 - PROCESSED
RR-HS26-15957878 - Master Adithya - Rs 1,777
RR-HS26-15937090 - Mrs Devlina - Rs 1,114
RR-HS26-15936653 - Master Adithya - Rs 339
RR-HS26-15860660 - RAJA KRISHNA LAKSHMAN - Rs 2,625
RR-HS26-15859773 - Mrs Devlina - Rs 965
RR-HS26-15749289 - RAJA KRISHNA LAKSHMAN - Rs 897
RR-HS26-15737395 - Master Adithya - Rs 1,266
RR-HS26-15737394 - Mrs Devlina - Rs 1,577
RR-HS26-15737391 - RAJA KRISHNA LAKSHMAN - Rs 400
Total Rs 14,801/-
Member-wise: Mrs Devlina Rs 7,157 (7 claims), Raja Krishna Rs 3,922 (3 claims), Master Adithya Rs 3,382 (3 claims).
Balance = Rs 83,938 - Rs 14,801 = Rs 69,137/-
How can RB limit of Rs 83,938 be stated as fully utilized?
*4. "By insured member" is wrong interpretation - No clause:*
Policy 2803203870506806003 is Family Floater Basis TOTAL - Reserve Benefit is Family Floater - Not member-wise. CGO reply says "fully utilized by the insured member" - No IRDAI approved clause page with page number from UIN HDHHLIP21337V022021 produced for individual per person limit.
*5. Non-application of mind:*
INGRAM response for NCH on 30-09-2026 @ 20:45:39 refers wrong Policy 2856207264497 monthly EMI grace lapsed - Not my policy.
*My Demand:*
a) RB ledger on letterhead with seal from opening Rs 83938 as on 02/05/2026 under 2803203870506806003 From 02/05/2026 forward only - Claim No | Date | Member | RB Used | Balance | Running Total tally 83938
b) Clause page for "by insured member" from UIN HDHHLIP21337V022021
c) Reinstate Balance Rs 69,137 + Pay RR-HS26-15970811 Rs 798 + RR-HS26-15959835 Rs 1,008 + RR-HS26-15991999 deduction Rs 1,209 + 18% interest.
Insurer has not replied to Bima Bharosa token till date. They only replied to NCH on 30-09-2026. Please do NOT close Token 09-26-026057 till sealed ledger from opening Rs 83938 under 6806003 from 02/05/2026 forward is provided.
I have already sent detailed email to CGO/GRO/IRDAI/NCH on 01-10-2026 00:41 with 8 attachments putting IRDAI in CC loop, but I have not received reply to token mail. Hence this direct reply to token mail.
Regards,
RAJA KRISHNA LAKSHMAN
Policy 2803203870506806003
Mobile: 9605859940
NCH 10296550
Attachments:
1) CGO NCH reply 30-09-2026 23:35 - Fully utilized
2) April 2026 Sultan mail 83938 under 6806003 - System glitch
3) 13 May mail Correct RB under 6806003 Ignore 6806001 6806002
4) My email dated 29-09-2026 with 13 claims Rs 14801 + RB ledger demand
5) My email dated 01-10-2026 00:41 to CGO/GRO/IRDAI/NCH
6) Policy 2803203870506806003 document showing Family Floater + RB Rs 83938
7) Repudiation Letter RR-HS26-15970811
---
*Raja - Send this as REPLY to the bharosa@irda.gov.in email - Not as new email - So token 09-26-026057 stays linked - Also upload same in Bima Bharosa portal > Add Comment - Done.*
Respected Sir/Madam,
Ref: Bima Bharosa Token No. 09-26-026057 - Policy No. 280320387050680000 renewed as 2803203870506806 - Endorsed Policy 2803203870506806003 - Period 02/05/2026 to 01/05/2027 - Health Wallet Family Floater - UIN HDHHLIP21337V022021
I do NOT accept CGO reply dated 30-09-2026 23:35 which says "Reserve Benefit limit has already been fully utilized by the insured member" for Claim RR-HS26-15970811.
*1. Opening Balance Rs 83938 admitted by Insurer itself under 6806003 from May 2026 - From here forward:*
a) April 2026 - Sultan S. - Grievance Redressal Team - MD & CEO escalation 27 April 2026 - Policy 2803203870506806002 - Admitted: "due to an inadvertent system glitch, the Cumulative Reserve Benefit in your policy was not captured at the time of renewal. We sincerely apologise... correction request for the Cumulative Reserve Benefit has been processed under the endorsed policy number 2803203870506806003 for Rs 83,938"
b) 13 May 2026 - Grievance Cell - Email 12 May 2026 - "the correct Reserve Benefit is updated in the policy under endorsed policy number 2803203870506806003. Hence, we request you to ignore the Reserve Benefit updated under endorsed policy numbers 2803203870506806001 and 2803203870506806002"
Hence opening balance Rs 83938 as on 02/05/2026 under 2803203870506806003 is fresh for policy year 02/05/2026 to 01/05/2027. I am talking of present claims in policy in force year 6806003 only. They cannot bring back dated data.
*2. No RB ledger provided till now to prove fully utilized:*
CGO reply 30-09-2026 has no ledger. I demanded in my emails dated 29-09-2026 and 01-10-2026 00:41 - Provide RB ledger on company letterhead with seal from opening balance Rs 83938 as on 02/05/2026 under 2803203870506806003 From here forward in format: Claim No | Claim Date | Member Name | RB Limit Utilised | Balance Amount | Running Total to tally Rs 83938/- - Show opening Rs 83938/-, each utilisation with claim date, and closing balance - From 02/05/2026 forward only.
*3. My total claims from 02/05/2026 till 29/09/2026 are only 13 claims Rs 14,801/- as per HDFC portal:*
RR-HS26-15991999 - Mrs Devlina - Rs 1,376
RR-HS26-15970811 - Mrs Devlina - Rs 798 - REPUDIATED
RR-HS26-15967260 - Mrs Devlina - Rs 659
RR-HS26-15959835 - Mrs Devlina - Rs 1,008 - PROCESSED
RR-HS26-15957878 - Master Adithya - Rs 1,777
RR-HS26-15937090 - Mrs Devlina - Rs 1,114
RR-HS26-15936653 - Master Adithya - Rs 339
RR-HS26-15860660 - RAJA KRISHNA LAKSHMAN - Rs 2,625
RR-HS26-15859773 - Mrs Devlina - Rs 965
RR-HS26-15749289 - RAJA KRISHNA LAKSHMAN - Rs 897
RR-HS26-15737395 - Master Adithya - Rs 1,266
RR-HS26-15737394 - Mrs Devlina - Rs 1,577
RR-HS26-15737391 - RAJA KRISHNA LAKSHMAN - Rs 400
Total Rs 14,801/-
Member-wise: Mrs Devlina Rs 7,157 (7 claims), Raja Krishna Rs 3,922 (3 claims), Master Adithya Rs 3,382 (3 claims).
Balance = Rs 83,938 - Rs 14,801 = Rs 69,137/-
How can RB limit of Rs 83,938 be stated as fully utilized?
*4. "By insured member" is wrong interpretation - No clause:*
Policy 2803203870506806003 is Family Floater Basis TOTAL - Reserve Benefit is Family Floater - Not member-wise. CGO reply says "fully utilized by the insured member" - No IRDAI approved clause page with page number from UIN HDHHLIP21337V022021 produced for individual per person limit.
*5. Non-application of mind:*
INGRAM response for NCH on 30-09-2026 @ 20:45:39 refers wrong Policy 2856207264497 monthly EMI grace lapsed - Not my policy.
*My Demand:*
a) RB ledger on letterhead with seal from opening Rs 83938 as on 02/05/2026 under 2803203870506806003 From 02/05/2026 forward only - Claim No | Date | Member | RB Used | Balance | Running Total tally 83938
b) Clause page for "by insured member" from UIN HDHHLIP21337V022021
c) Reinstate Balance Rs 69,137 + Pay RR-HS26-15970811 Rs 798 + RR-HS26-15959835 Rs 1,008 + RR-HS26-15991999 deduction Rs 1,209 + 18% interest.
Insurer has not replied to Bima Bharosa token till date. They only replied to NCH on 30-09-2026. Please do NOT close Token 09-26-026057 till sealed ledger from opening Rs 83938 under 6806003 from 02/05/2026 forward is provided.
I have already sent detailed email to CGO/GRO/IRDAI/NCH on 01-10-2026 00:41 with 8 attachments putting IRDAI in CC loop, but I have not received reply to token mail. Hence this direct reply to token mail.
Regards,
RAJA KRISHNA LAKSHMAN
Policy 2803203870506806003
Mobile: 9605859940
NCH 10296550
Attachments:
1) CGO NCH reply 30-09-2026 23:35 - Fully utilized
2) April 2026 Sultan mail 83938 under 6806003 - System glitch
3) 13 May mail Correct RB under 6806003 Ignore 6806001 6806002
4) My email dated 29-09-2026 with 13 claims Rs 14801 + RB ledger demand
5) My email dated 01-10-2026 00:41 to CGO/GRO/IRDAI/NCH
6) Policy 2803203870506806003 document showing Family Floater + RB Rs 83938
7) Repudiation Letter RR-HS26-15970811
---
*Raja - Send this as REPLY to the bharosa@irda.gov.in email - Not as new email - So token 09-26-026057 stays linked - Also upload same in Bima Bharosa portal > Add Comment - Done.*