Health Insurance Insurer recorded false chronic respiratory diagnosis (Asthma/COPD) on Policy H1384195 — no response, seeks correction before renewal 17 May

yogesh_bhandari

yogesh_bhandari

New member
Policy Name
Health Protector
Company Name
IFFCO TOKIO GENERAL INSURANCE CO. LTD
Customer Care Number
1800-103-5499
Loss Amount
100000
Ratings
2.00 star(s)
Opposite Party Address
IFFCO Tokio General Insurance Co. Ltd
IFFCO Tower II Plot No. 3 Sector- 29, Gurugram
  • Policy No: H1384195
  • Insured: Kamla Bhandari
  • Core complaint
    • Insurer has recorded "Asthma / COPD / breathing disorder" (chronic respiratory disease) in the medical history for the insured.
    • Complainant insists this is incorrect: no diagnosis of asthma/COPD/ chronic breathing disorder exists.
  • Evidence submitted by complainant
    • Hospital discharge summary from April 2021 (COVID-19 hospitalization) attached with emails.
    • Discharge summary lists: COVID-19 positive, bilateral atypical pneumonia, Type II Diabetes Mellitus, Hypothyroidism.
    • No mention of asthma, COPD, chronic respiratory disease, or breathing disorder in the discharge documents.
  • Timeline & key communications (summary)
    • Mid-April 2026: Complainant first notified insurer (via agent and direct email) requesting immediate removal of incorrect medical entry and mobile number update; attached discharge summary.
    • Repeated follow-ups through April–May 2026; requests for written confirmation after corrections.
    • Insurer response (per complainant): asked to defer correction until policy renewal / cited "system not allowing correction" and said case sent to underwriter. (Complainant reports no satisfactory action or written protection.)
    • 29 Apr 2026 & early May 2026: Complainant objected to deferral, demanded immediate correction, timeline, and written assurance that interim incorrect entry will not affect claims.
    • 11 May 2026: Complainant sent "FINAL NOTICE BEFORE POLICY RENEWAL" demanding resolution within 48 hours, clear correction wording if necessary ("History of COVID-19 with Bilateral Atypical Pneumonia (2021)"), assurances that no chronic respiratory disease recorded without evidence, and mobile number update.
    • Multiple emails were sent to addresses: seniorcitizengrievance@iffcotokio.co.in; support@iffcotokio.co.in; grievance@iffcotokio.co.in; ybhandari_ms@live.com; claimssupport@aiinsurancebazar.com. No satisfactory response or correction received, and complainant says insurer not willing to change.
  • Harms and risks listed by complainant
    • Risk of claim rejection or dispute in future due to incorrect chronic disease entry.
    • Possible premium loading, denial of cover at renewal, or classification as pre-existing disease.
    • Mental harassment and anxiety caused by insurer's delay and lack of written assurances.
 
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