Mohit kumar

[Mohit kumar @monenemo1210]

@IndusIndGenIn @irdaindia @imVkohli @jagograhakjago @RelainceSupport @narendramodi @hindujagroup @_MukeshAmbani @insurehealth123

I never thought that trying to secure my family would leave me this helpless.

For the last 5 years, I have been struggling financially. I already have a home loan of around ₹15 lakh. My salary is just enough to manage rent, household expenses, and EMIs. Because of this, my wife and I were not even planning a child. I was always scared — how will I take responsibility of a baby in such a situation?

But after 4 years of marriage, family and relatives kept saying, “Now it’s time.” I was confused, stressed, and under pressure.

My biggest worry was money. In metro cities, delivery can cost ₹2–2.5 lakh. For me, that is a huge amount. Still, I tried to secure our future.

On 11 March 2022, I bought my first health insurance policy.

Very next day, on 12 March 2022, my wife had a constipation issue and we consulted a doctor. The doctor diagnosed a minor fissure and gave medicines. It was a small issue, treated, and completely resolved.

At that time, I didn’t even know that such a minor issue needs to be declared in insurance. If I had known, I would have definitely declared it. There was never any intention to hide anything.

From 2022 to 2025, we never made a single claim. Not even once. We trusted that insurance will support us in emergency.

Later, when we started thinking about having a child, I searched for a policy with maternity benefits. After a lot of struggle, I found a plan from Reliance General Insurance (now known as IndusInd General Insurance).

The premium was around ₹55,000 for 3 years. For me, this was a very big amount. Still, I took a personal loan at 15% interest just to buy it, thinking it will help me during delivery and emergencies.

The sales agent kept calling me again and again, requesting me to buy the policy. He promised, “Sir, I will be there for you in claim. This policy will support you in tough times.”

No proper medical questions were asked. No proposal form was shown. No medical tests were done. I simply received the policy.

In September 2025, my wife got pregnant. For the first time, we felt happy and secure, because we believed insurance will support us. The waiting period was also completing in March 2026.

Then suddenly, everything changed.

In March 2026, my wife got sick due to food infection. She had vomiting and loose motions, and we had to admit her to hospital for 2 days. The bill was around ₹60,000.

This was the first time in my life I made an insurance claim.

I was relaxed, thinking everything will be covered.

But on the day of discharge, I received a mail — “Claim Rejected.”

Reason: Non-disclosure of fissure.

I was shocked.

The claim was for acute gastroenteritis during pregnancy, completely unrelated to that minor issue from 2022 — which was diagnosed AFTER policy purchase and treated with medicines.

Still, they rejected it.

I tried everything — emails, calls, explanations. Doctors also said there is no relation. But no one listened.

Now IndusInd General Insurance (earlier Reliance General Insurance) is cancelling my entire policy.

No refund.
No maternity benefit.
No future claims.

I have already paid around ₹90,000 in premiums.
₹60,000 hospital bill from my pocket.

And now delivery is just days away, where I need around ₹2 lakh.

I don’t know how I will manage.

For the last one month, I have been mentally stressed, financially broken, and completely helpless. I trusted insurance thinking it will protect my family in bad times.

But today, at the most important time of my life, I am standing alone.

I have filed complaints with IRDAI and Insurance Ombudsman. Still waiting.

I am not asking for anything extra. I am just asking for fairness.

If anyone can guide or help, please do.

And to insurance companies:
People buy insurance for support in bad times, not to be left alone when they need it the most.

[Mohit kumar @monenemo1210]

@IndusIndGenIn fraud fraud

[Mohit kumar @monenemo1210]

@IndusIndGenIn fraud company

[Mohit kumar @monenemo1210]

@CarrierIndia Bought AC on 29 Jul 2025. No service reminder till 18 Apr 2026, I had to request after ~10 months. Asked for wet service but only dry done. Only 3 months left, how will 3 free services complete? Manager was rude, no clarity on ₹117 AMC which gas leakage pcb include

[Mohit kumar @monenemo1210]

@NIKHILLJHA anyone help in health insurance claim rejection due to non disclosure please

[Mohit kumar @monenemo1210]

@NIKHILLJHA My claim is rejected due to non disclosure please help me out

[Mohit kumar @monenemo1210]

No explanation shared only same template of Non disclosure

[Mohit kumar @monenemo1210]

@IndusIndGenIn @irdaindia @imVkohli @jagograhakjago @RelainceSupport @narendramodi @hindujagroup @_MukeshAmbani @insurehealth123

I never thought that trying to secure my family would leave me this helpless.

For the last 5 years, I have been struggling financially. I already have a home loan of around ₹15 lakh. My salary is just enough to manage rent, household expenses, and EMIs. Because of this, my wife and I were not even planning a child. I was always scared — how will I take responsibility of a baby in such a situation?

But after 4 years of marriage, family and relatives kept saying, “Now it’s time.” I was confused, stressed, and under pressure.

My biggest worry was money. In metro cities, delivery can cost ₹2–2.5 lakh. For me, that is a huge amount. Still, I tried to secure our future.

On 11 March 2022, I bought my first health insurance policy.

Very next day, on 12 March 2022, my wife had a constipation issue and we consulted a doctor. The doctor diagnosed a minor fissure and gave medicines. It was a small issue, treated, and completely resolved.

At that time, I didn’t even know that such a minor issue needs to be declared in insurance. If I had known, I would have definitely declared it. There was never any intention to hide anything.

From 2022 to 2025, we never made a single claim. Not even once. We trusted that insurance will support us in emergency.

Later, when we started thinking about having a child, I searched for a policy with maternity benefits. After a lot of struggle, I found a plan from Reliance General Insurance (now known as IndusInd General Insurance).

The premium was around ₹55,000 for 3 years. For me, this was a very big amount. Still, I took a personal loan at 15% interest just to buy it, thinking it will help me during delivery and emergencies.

The sales agent kept calling me again and again, requesting me to buy the policy. He promised, “Sir, I will be there for you in claim. This policy will support you in tough times.”

No proper medical questions were asked. No proposal form was shown. No medical tests were done. I simply received the policy.

In September 2025, my wife got pregnant. For the first time, we felt happy and secure, because we believed insurance will support us. The waiting period was also completing in March 2026.

Then suddenly, everything changed.

In March 2026, my wife got sick due to food infection. She had vomiting and loose motions, and we had to admit her to hospital for 2 days. The bill was around ₹60,000.

This was the first time in my life I made an insurance claim.

I was relaxed, thinking everything will be covered.

But on the day of discharge, I received a mail — “Claim Rejected.”

Reason: Non-disclosure of fissure.

I was shocked.

The claim was for acute gastroenteritis during pregnancy, completely unrelated to that minor issue from 2022 — which was diagnosed AFTER policy purchase and treated with medicines.

Still, they rejected it.

I tried everything — emails, calls, explanations. Doctors also said there is no relation. But no one listened.

Now IndusInd General Insurance (earlier Reliance General Insurance) is cancelling my entire policy.

No refund.
No maternity benefit.
No future claims.

I have already paid around ₹90,000 in premiums.
₹60,000 hospital bill from my pocket.

And now delivery is just days away, where I need around ₹2 lakh.

I don’t know how I will manage.

For the last one month, I have been mentally stressed, financially broken, and completely helpless. I trusted insurance thinking it will protect my family in bad times.

But today, at the most important time of my life, I am standing alone.

I have filed complaints with IRDAI and Insurance Ombudsman. Still waiting.

I am not asking for anything extra. I am just asking for fairness.

If anyone can guide or help, please do.

And to insurance companies:
People buy insurance for support in bad times, not to be left alone when they need it the most.

[Mohit kumar @monenemo1210]

still same reply i want written proof of all questions i have send on mail.

Which team of doctor decided that past diseases which is minor and it is related to current illness of Acute gastrointestinal. Where it is mentioned.

How you treated this policy is fresh policy from 2025. My policy is continue from 2022 after this minor diseases

I want all proof in written documents.

[Mohit kumar @monenemo1210]

@IndusIndGenIn All knows now you are fraud company always

[Mohit kumar @monenemo1210]

@IndusIndGenIn All knows now you are fraud company always

[Mohit kumar @monenemo1210]

@IndusIndGenIn All knows now you are fraud company always

[Mohit kumar @monenemo1210]

@IndusIndGenIn @pmfby They don’t care .Fraud company always want money

[Mohit kumar @monenemo1210]

@IndusIndGenIn All are fake promises they always looking how we can reject the claim instead of knowing the customer situation

[Mohit kumar @monenemo1210]

@IndusIndGenIn fraud fraud only repeated template email send no one listen to me .only they want money from customer

[Mohit kumar @monenemo1210]

@IndusIndGenIn fraud fraud fraud company

[Mohit kumar @monenemo1210]

@IndusIndGenIn @irdaindia I want proof with written documents why its rejected only non-disclosure is not a valid reason because this consultation of fissure took sfter policy start of 11 march 2022.

[Mohit kumar @monenemo1210]

@IndusIndGenIn
keeps sending the same template replies without addressing facts.

No evidence provided
No explanation on materiality
Policy continuity ignored

Only “non disclosure” repeated again and again.

Is this how claims are handled?

Customers are left helpless during medical emergencies.

Review this urgently.

Policy No 920222528240229620
Claim No 201260031674

@irdaindia @irdainsurance @jagograhakjago @hindujagroup @_MukeshAmbani @AdaniOnline @aajtak @DDNewslive @LegalActionGrp

#Insurance #ClaimIssue #IRDAI #ConsumerRights
#rakeshjain

[Mohit kumar @monenemo1210]

@IndusIndGenIn

This is outright harassment and negligence.

I have sent multiple emails with all required documents, yet you are deliberately ignoring my case and not providing any proper reply or proof. This is completely unprofessional.

You have denied my claim and ignored policy continuity, even after your sales team clearly promised maternity coverage. I have been paying premiums for 6 years — and this is the service you provide?

My wife is pregnant, and at such a critical time you are adding mental and financial stress instead of supporting your customer.

If this is not resolved immediately, I will take strict legal action. I will also publish detailed videos on YouTube and across social media exposing your claim practices and how genuine customers are treated.

Do not take this lightly. Respond with proper written justification immediately.

[Mohit kumar @monenemo1210]

@IndusIndGenIn Repeating the same line does not make it correct.

You have:
Ignored policy continuity since 2022
Ignored medical evidence
Provided no proof of material non disclosure

Yet cancelling policy with Nil refund.

This is not fair claims practice.

@irdaindia @jagograhakjago please look into this.