Pankaj Chaudhary

[Pankaj Chaudhary @Pankaj0530]

@SanjayYada7n HDFC ERGO

[Pankaj Chaudhary @Pankaj0530]

🚨 MEDIA APPEAL — PLEASE LOOK INTO THIS

I am seriously concerned about the way my health insurance claim has been handled by @HDFCERGOGIC . @policybazaar
@_amitchhabra

19 Aug: Hospitalised with sudden left-sided facial numbness; MRI showed no significant brain abnormality, with sinusitis noted.

20 Aug: Cashless/pre-authorisation submitted.

21 Aug: HDFC rejected cashless without raising a clarification, citing possible/pre-existing CVA and incorrectly stating that I was already discharged while I was still hospitalised.

22 Aug: Hospital disputed the discharge status.

24 Aug: HDFC then approved ₹40,002 pre-authorisation, recording “ACUTE CVA.”

25 Aug: Hospital clarified that sinusitis was an MRI finding, ENT advised no further treatment, and treatment was for facial numbness.

27 Aug: HDFC changed the rejection ground to a 2-year sinusitis exclusion.

After cashless rejection, I was directed to take the reimbursement route. I did exactly that.

31 Aug: Reimbursement filed.

15 Sep: Reimbursement was repudiated, now saying admission was for “investigation and evaluation.”

19 Sep: Grievance response repeated the repudiation without answering my specific questions — and I am now being directed toward the Ombudsman.

IRDAI's current guidance provides a 1-hour timeline for cashless pre-authorisation.

If the pre-authorisation decision had been handled promptly and correctly, I could have made an informed decision about continuing treatment and expenses while I was still hospitalised.

My question is simple: Why is HDFC completely silent about this sequence?

Why was there no clarification before the first rejection?
Why was I told I was discharged when I was not?
Why was ₹40,002 later approved with “ACUTE CVA”?
Why did the rejection ground then change to sinusitis?
Why was reimbursement accepted for processing and then repudiated on a different basis?

And why should I keep moving from cashless → reimbursement → grievance → Ombudsman without getting answers to the questions arising from HDFC's own records?

I have also personally approached Mr. Parthanil Ghosh (HDFC ERGO) and Mr. Amit Chhabra (Policybazaar) on LinkedIn. No response so far.

I am not asking journalists to take my side.

Please examine the documents, claim records, pre-authorisation trail and chronology and ask HDFC why these decisions changed.

I am a paying policyholder. Don't I have the right to know the answers to questions that are legitimately raising serious concerns about the way my claim was handled?

I don't want sympathy. I want answers hence request all of you to pls help.

@anjanaomkashyap @ravish_journo @DeeptiBhaskaran @AnshikaKayastha @anulekharay @fayedsouza
@abhisar_sharma @dhruv_rathee

#InsuranceAccountability #ConsumerRights #HDFCERGO #InsuranceClaims #PolicyholderRights

[Pankaj Chaudhary @Pankaj0530]

@Policybazaar @_amitchhabra @HDFCERGOGIC
@SanjayYada7n

Selling an insurance policy is easy. Standing by the policyholder when the claim is disputed is what matters. Policybazaar did not help me when I actually needed support. Instead, Sanjay Yadav stepped in, understood the underwriting language, studied the complete hierarchy, challenged the inconsistencies and is fighting for justice. This experience has taught me that a policyholder needs a knowledgeable consultant—not merely a platform focused on selling policies. Policybazaar, you failed me when it mattered most.

[Pankaj Chaudhary @Pankaj0530]

@HDFCERGOGIC @policybazaar @_amitchhabra @irdaindia @DFS_India @jagograhakjago @apri_sharma @scribeJocelyn @MalathyIyerTOI @PriyanshVerma4
@SanjayYada7n

I am requesting the media, regulators and consumer-rights community to please look into my case.

I purchased HDFC ERGO Optima Secure+ and paid the entire year's premium believing that when I genuinely needed my insurance, my insurer would stand with me.

Instead:
Cashless claim rejected → told to file reimbursement → reimbursement repudiated → repeatedly told to approach the Ombudsman.

But the basic questions I have been asking HDFC ERGO remain unanswered.

• How was CVA established as pre-existing? What medical evidence was relied upon?

• Why did the first rejection state that I was discharged when I was still hospitalized? What evidence/timestamp supported this?

• If CVA was pre-existing, how did HDFC subsequently issue ₹40,002 Pre-Auth Approved with provisional diagnosis “ACUTE CVA”?

• Why did the rejection ground subsequently change to sinusitis?

• What medical evidence supports the later conclusion that my hospitalization was only for investigation/evaluation?

On 17 September, HDFC ERGO called me. I asked these questions again, point-by-point. The representative was unable to answer them during the call and said the issues would be verified and they would get back to me.

I have the call recording/transcript.
Today, HDFC's grievance response arrived. Instead of answering these specific questions, it reiterates the repudiation, cites policy clauses and rejects the claim in totality. �

Grievance rejection letter
This is my concern: HDFC ERGO can direct the policyholder from one stage to another, but when its own records raise specific questions, those questions remain unanswered.

I paid the full year's premium because I trusted HDFC ERGO to stand with me during a difficult medical situation.

This is what I received for that trust.
I am NOT asking anyone to blindly take my side. I am asking journalists, regulators and consumer-rights organisations to look at the documents, chronology and call transcript and independently assess what happened.

I don't want another generic response. I want answers supported by evidence.
@HDFCERGOGIC — Please answer the questions behind the rejection, not simply repeat the rejection.

#HDFCERGO #InsuranceClaim #HealthInsurance #ClaimRejection #InsuranceAccountability #ConsumerRights #PolicyholderRights #FactsAndEvidence

[Pankaj Chaudhary @Pankaj0530]

@Policybazaar @_amitchhabra @HDFCERGOGIC
@SanjayYada7n

Selling an insurance policy is easy. Standing by the policyholder when the claim is disputed is what matters. Policybazaar did not help me when I actually needed support. Instead, Sanjay Yadav stepped in, understood the underwriting language, studied the complete hierarchy, challenged the inconsistencies and is fighting for justice. This experience has taught me that a policyholder needs a knowledgeable consultant—not merely a platform focused on selling policies. Policybazaar, you failed me when it mattered most.

[Pankaj Chaudhary @Pankaj0530]

@hdfcergogic @policybazaar @_amitchhabra

Your latest “grievance response” is not an answer. It is a repetition of the repudiation while avoiding the questions arising from YOUR OWN records.

I have the 17-Sep call recording/transcript. During that call, I repeatedly asked HDFC to explain:

1️⃣ How was CVA established as pre-existing? What medical evidence was relied upon?

2️⃣ Why did your first rejection state that I was already discharged while I was still hospitalized? What document/timestamp proved this?

3️⃣ If CVA was supposedly pre-existing, how did HDFC subsequently issue ₹40,002 Pre-Auth Approved with provisional diagnosis “ACUTE CVA”?

4️⃣ Why did the rejection ground subsequently shift to sinusitis/2-year waiting period, although the MRI report was already available?

5️⃣ On what medical evidence was my hospitalization subsequently declared “not justified” / only “investigation and evaluation”?

HDFC was unable to answer these questions point-by-point during the call. I was finally told the points would be verified and HDFC would “get back.”

Today I received the grievance response. And what does it do?

It repeats the repudiation, cites Section C.1.b & C.2.a, and again places the consequence on the policyholder—without answering the specific factual questions about HDFC’s own earlier decisions. �

Grievance rejection letter
This is the concern: when HDFC makes a decision, the policyholder is expected to justify everything. But when HDFC’s own records raise questions, those questions remain unanswered.

I am NOT asking for special treatment. I am asking for evidence, accountability and a point-by-point explanation of HDFC’s own claim-handling decisions.
Repeating a rejection is NOT the same as justifying it.

@HDFCERGOgic — Please answer the questions raised by your own records.

@policybazaar @_amitchhabra — You have been asked the same questions. Your “senior doctor review upheld the decision” response also does not answer them.

I have the documents, correspondence and call transcript. The complete record will now be placed before the appropriate grievance authority.

#HDFCERGO #Policybazaar #InsuranceClaim #ClaimRejection #InsuranceAccountability #ConsumerRights #FactsAndEvidence

@sanjayyada7n

[Pankaj Chaudhary @Pankaj0530]

@HDFCERGOGIC @policybazaar @_amitchhabra

TODAY’S CALL SPEAKS FOR ITSELF.
I specifically asked HDFC ERGO to answer questions arising from HDFC’s own rejection letters and claim records.

HDFC was NOT ABLE TO ANSWER my questions point-by-point.

❓ How was CVA established as pre-existing? What medical evidence was relied upon?

❓ Why did HDFC’s first rejection state that I was already discharged when I was still hospitalized? What document/timestamp/evidence supported this?

❓ If CVA was supposedly pre-existing, how did HDFC subsequently approve ₹40,002 with provisional diagnosis “ACUTE CVA”?

❓ Why did the rejection ground subsequently change to sinusitis, when the MRI report was already available?

I repeatedly asked for specific answers and documentary justification. Instead, HDFC repeatedly explained the rejection in general terms and directed me towards the Ombudsman.

That does NOT answer my questions.
Finally, after repeatedly pressing for answers, I was told that these points would be verified and they would “get back to me.”

So my question remains:

If HDFC ERGO is confident about its decisions, why could it not answer these basic questions today using the records available with HDFC?
I am not asking for special treatment. I am asking for transparency, evidence and accountability.

@HDFCERGOGIC — Please stop explaining the rejection and start answering the questions behind the rejection.

@policybazaar @_amitchhabra — You have been asked the same questions. Your generic “senior doctor review upheld the decision” response also does not answer them.

The policyholder deserves answers, not another referral to the next authority.

#HDFCERGO #Policybazaar #InsuranceClaim #ClaimRejection #InsuranceAccountability #ConsumerRights #FactsAndEvidence #PolicyholderRights

@SanjayYada7n

[Pankaj Chaudhary @Pankaj0530]

@Policybazaar @_amitchhabra @HDFCERGOGIC
@SanjayYada7n

Selling an insurance policy is easy. Standing by the policyholder when the claim is disputed is what matters. Policybazaar did not help me when I actually needed support. Instead, Sanjay Yadav stepped in, understood the underwriting language, studied the complete hierarchy, challenged the inconsistencies and is fighting for justice. This experience has taught me that a policyholder needs a knowledgeable consultant—not merely a platform focused on selling policies. Policybazaar, you failed me when it mattered most.

[Pankaj Chaudhary @Pankaj0530]

@MSEDCL @MahaEnergyDept

MSEDCL, how many SR numbers does it take to get one meter inspected?

Since 01-Jul-2026, I have been reporting an abnormal ₹9,710 bill for 238 units for a small staff room with only ~7 lights & 5 fans, with no AC or heavy equipment.

Multiple SRs have already been raised:

0000041615003
0000041803303
0000042163085
0000042271141
0000042414459
0000042622029

Under SR 0000042271141, MSEDCL already promised a technician visit for meter testing.

No technician visited. No test report.

Then on 07-Sep-2026, MSEDCL told me that SR 0000042622029 had been “highlighted to the concerned department” and asked me to wait for resolution.

And now MSEDCL has AGAIN registered another complaint under Meter Inspection – XXXXXXXX886, once again promising:

“Our technician will visit your place for meter testing.”

This has become a cycle:

Complaint → SR → “Technician will visit” → NO VISIT → “Highlighted to concerned department” → NEW SR → SAME PROMISE.

Meanwhile, electricity was disconnected and I was compelled to pay ₹12,290 to restore supply, while the disputed billing issue remains unresolved.

MSEDCL — this is not a request for another SR number.

I want the meter physically inspected, tested and a written report provided.

Who is accountable for ensuring that the promised field action actually happens?

How long is a consumer expected to keep waiting?

I am proceeding with CGRF with the complete documentary record of the repeated complaints and non-action.

Enough of SR numbers.
Enough of template responses.
Please do the actual meter inspection and resolve the billing dispute.

@MSEDCL @MahaEnergyDept

[Pankaj Chaudhary @Pankaj0530]

@MSEDCL

How many complaints and SR numbers does a consumer need to raise before MSEDCL actually investigates?

Since 01-Jul-2026, I have been reporting an abnormal ₹9,710 bill for 238 units for a small staff room with only ~7 lights & 5 fans, with no AC or heavy equipment.

Multiple SRs raised: 0000041615003, 0000041803303, 0000042163085, 0000042271141, 0000042414459 & 0000042622029.

Under SR 0000042271141, MSEDCL promised a technician visit for meter testing. No technician visited. No test report.

On 07-Sep-2026, MSEDCL again replied:

“...we have already highlighted your complaint... please wait for the resolution.”

Wait for what? Another SR? Another template reply?

Meanwhile, electricity was disconnected and I was compelled to pay ₹12,290 to restore supply, while the disputed billing issue remains unresolved.

MSEDCL itself states that complaints are recorded in CRM and assigned to the concerned field officer for resolution.

So where is the field action?

Is MSEDCL's grievance system designed to resolve consumer complaints—or simply generate SR numbers and ask consumers to keep waiting?

I demand:
Meter inspection + meter test report + billing verification + correction/refund of any excess amount.

After more than two months of repeated complaints, I need ACTION, not another acknowledgement.

@MSEDCL @CMOMaharashtra

[Pankaj Chaudhary @Pankaj0530]

@MSEDCL @MahaEnergyDept

@Dev_Fadnavis @LokeshChandraIAS

Who is accountable for resolving a consumer complaint in MSEDCL?

Since 01-Jul-2026, I have been reporting an abnormal ₹9,710 electricity bill for 238 units for a small staff room with only ~7 lights & 5 fans, with no AC or heavy equipment.

I have raised multiple SRs:

0000041615003
0000041803303
0000042163085
0000042271141
0000042414459
0000042622029

Under SR 0000042271141, MSEDCL explicitly promised a technician visit for meter testing.

No technician visited. No meter test. No report.

On 07-Sep-2026, after repeatedly escalating the matter, MSEDCL's response was:

«“We have already highlighted your complaint to the concerned department; they will work on it. We request you to please wait for the resolution.”»

This is after more than two months of complaints and repeated SRs.

Meanwhile, electricity was disconnected and I was compelled to pay ₹12,290 to restore supply, while the disputed billing issue remains unresolved.

My simple questions to MSEDCL senior management:

Who is responsible for this complaint?
Why has the promised meter inspection not happened?
How many more SR numbers and “please wait” messages are required?

MSEDCL says complaints are recorded in CRM and assigned to the concerned field officer for resolution.

Then where is the action?

I am now proceeding with CGRF and placing the complete documentary record before the appropriate authorities.

I need METER INSPECTION + TEST REPORT + BILL VERIFICATION + CORRECTION, not another automated acknowledgement.

@MSEDCL — Please stop asking consumers to “wait” and start resolving the complaint.

[Pankaj Chaudhary @Pankaj0530]

@policybazaar @HDFCERGOGIC
@_amitchhabra

@SanjayYada7n

Aastha/PW58077 — I have asked you 8 specific, evidence-based questions about my claim and about the assistance Policybazaar says it provided.

You were responding earlier, but now there is complete silence when specific questions are put to you.

If a “senior doctor review” was actually conducted and the original rejection was upheld, then please answer one simple question:
What exactly did Policybazaar investigate, what questions were raised with HDFC ERGO, and what evidence/documents were reviewed before reaching that conclusion?

Why is there no point-by-point response to the questions I raised?

A generic statement saying “senior doctor reviewed it and the decision was upheld” does not address the documented issues I have raised — cashless rejection citing discharge while I was still hospitalized, subsequent ₹40,002 pre-authorisation approval, change in rejection grounds, sinusitis being relied upon despite the hospital’s clarification, and the unanswered questions around the process.

When the questions were general, there was a response. When specific questions were asked, there is silence. Why?

I am not asking Policybazaar to take my side. I am asking you to show what you actually investigated and answer the questions with facts and evidence.

@policybazaar — Please don't respond with another template statement. Respond to the questions.

#Policybazaar #HDFCERGO #InsuranceClaim #ConsumerRights #InsuranceAccountability #FactsAndEvidence #ClaimRejection

[Pankaj Chaudhary @Pankaj0530]

My health insurance experience with @Policybazaar @_amitchhabra & @HDFCERGOGIC has been an eye-opener.

19 Aug: Hospitalised with left-sided/facial numbness.
20 Aug: MRI — “No significant abnormality detected”; sinusitis only noted as a finding.
21 Aug: HDFC rejects cashless citing pre-existing CVA + “already discharged” — despite me still being in hospital.
24 Aug: HDFC suddenly APPROVES ₹40,002 pre-auth.
24 Aug: Within hours, rejection changes to SINUSITIS.
25 Aug: Treating hospital clarifies sinusitis was incidental and not the reason for admission/treatment.
15 Sep: HDFC again changes its reasoning and rejects the reimbursement.

And where was @Policybazaar when I actually needed help? Nowhere.
This is why I now believe buying a policy through a platform is NOT the same as having someone who understands underwriting language, policy hierarchy and actually fights for the policyholder.
Sanjay Yadav stepped in, understood the complete case, challenged the inconsistencies and is actually standing with me for justice.

@Policybazaar — selling a policy is easy. Standing behind your customer when the claim goes wrong is the real test. You failed that test for me.

@HDFCERGOGIC — explain these contradictions.

@SanjayYada7n

#HealthInsurance #InsuranceClaim #PolicyholderRights #HDFCERGO

[Pankaj Chaudhary @Pankaj0530]

@Policybazaar @_amitchhabra @HDFCERGOGIC
@SanjayYada7n

Selling an insurance policy is easy. Standing by the policyholder when the claim is disputed is what matters. Policybazaar did not help me when I actually needed support. Instead, Sanjay Yadav stepped in, understood the underwriting language, studied the complete hierarchy, challenged the inconsistencies and is fighting for justice. This experience has taught me that a policyholder needs a knowledgeable consultant—not merely a platform focused on selling policies. Policybazaar, you failed me when it mattered most.

[Pankaj Chaudhary @Pankaj0530]

@policybazaar @HDFCERGOGIC @_amitchhabra

Aastha/PW58077 — I have asked you 8 specific, evidence-based questions about my claim and about the assistance Policybazaar says it provided.
You were responding earlier, but now there is complete silence when specific questions are put to you.

If a “senior doctor review” was actually conducted and the original rejection was upheld, then please answer one simple question:

What exactly did Policybazaar investigate, what questions were raised with HDFC ERGO, and what evidence/documents were reviewed before reaching that conclusion?

Why is there no point-by-point response to the questions I raised?

A generic statement saying “senior doctor reviewed it and the decision was upheld” does not address the documented issues I have raised — cashless rejection citing discharge while I was still hospitalized, subsequent ₹40,002 pre-authorisation approval, change in rejection grounds, sinusitis being relied upon despite the hospital’s clarification, and the unanswered questions around the process.

When the questions were general, there was a response. When specific questions were asked, there is silence. Why?

I am not asking Policybazaar to take my side. I am asking you to show what you actually investigated and answer the questions with facts and evidence.
@policybazaar — Please don't respond with another template statement. Respond to the questions.

#Policybazaar #HDFCERGO #InsuranceClaim #ConsumerRights #InsuranceAccountability #FactsAndEvidence #ClaimRejection

@SanjayYada7n

[Pankaj Chaudhary @Pankaj0530]

@policybazaar @HDFCERGOGIC @_amitchhabra

Aastha/PW58077 — “Senior doctor review” and “decision upheld” still does NOT answer my questions.

Please explain what exact help Policybazaar provided and answer these questions point-by-point:

1️⃣ Pre-auth: Did Policybazaar verify whether HDFC ERGO followed the applicable pre-authorisation process and its own policy terms correctly?

2️⃣ Discharge: HDFC rejected cashless citing “already discharged” on 21-Aug, while my hospital records show discharge on 25-Aug. Did Policybazaar independently challenge and verify this serious factual error?

3️⃣ Approval → rejection: Why was ₹40,002 pre-authorisation approved and then rejected shortly afterwards? Did Policybazaar obtain a proper explanation from HDFC?

4️⃣ Sinusitis: My admission was for sudden left-sided facial numbness/transient symptoms. MRI stated “No significant abnormality detected” and noted sinusitis. On what medical evidence did HDFC establish that sinusitis was the condition being treated? Did Policybazaar challenge this?

5️⃣ Hospital clarification: The treating hospital clarified the sinusitis finding and advised no further ENT treatment. Was this clarification actually challenged/considered?

6️⃣ Changing grounds: Why did the rejection move from CVA/PED + “already discharged” → Sinusitis exclusion? Did Policybazaar question HDFC about the change?

7️⃣ Promises made by Policybazaar: Your team repeatedly told me that you would arrange a call with an HDFC doctor, understand my medical grounds, and provide a written response to all the questions I had raised. Where is that promised call and written response? Till date, I have received neither.

8️⃣ During hospitalisation: When I was actually struggling in the hospital over the cashless rejection, where was Policybazaar? What concrete intervention did you make then?

I was also asked by Policybazaar not to tweet about the matter. If you genuinely believed my concerns were being addressed, why was I being asked not to raise them publicly?

Please don't respond with another generic statement that “a senior doctor reviewed it and HDFC upheld the decision.” That only repeats the outcome.

I am asking what Policybazaar actually investigated, what questions it put to HDFC, and what evidence it obtained.
Answer the 8 questions point-by-point. Facts, evidence and accountability — not another template response.

#Policybazaar #HDFCERGO #HealthInsurance #InsuranceClaim #InsuranceGrievance #ConsumerRights #CashlessClaim #ClaimRejection #Accountability

@SanjayYada7n

[Pankaj Chaudhary @Pankaj0530]

@adb_shell

@HDFCERGOGIC @policybazaar @_amitchhabra

Thank you so much, Veni, for taking the time to read my experience and for your concern. 🙏

Yes, I am discharged and doing better now.

My intention is not to create unnecessary doubt for existing customers. My concern is simply accountability when a policyholder actually needs the insurance.
I purchased Optima Secure with the expectation that, in a genuine medical situation, the insurer would assess the claim fairly and explain its decision with proper medical and policy evidence. Unfortunately, my experience involved cashless rejection, changing grounds and several questions that remain unanswered.

I sincerely hope your experience with HDFC ERGO is much better. My request to HDFC ERGO is very simple: don't just uphold the decision—answer the facts and evidence raised by the policyholder.
And thank you to Sanjay sir helping me understand the insurance process and stand up for my rights. 🙏

A policy is truly valuable when the customer needs it—not merely when the premium is collected.

@SanjayYada7n

#HealthInsurance #HDFCERGO #InsuranceClaim #ConsumerRights #InsuranceAccountability

[Pankaj Chaudhary @Pankaj0530]

@Policybazaar @_amitchhabra @HDFCERGOGIC
@SanjayYada7n

Selling an insurance policy is easy. Standing by the policyholder when the claim is disputed is what matters. Policybazaar did not help me when I actually needed support. Instead, Sanjay Yadav stepped in, understood the underwriting language, studied the complete hierarchy, challenged the inconsistencies and is fighting for justice. This experience has taught me that a policyholder needs a knowledgeable consultant—not merely a platform focused on selling policies. Policybazaar, you failed me when it mattered most.

[Sanjay Yadav @SanjayYada7n]

HDFC ERGO POLICYHOLDER | POLICYBAZAAR INTERMEDIARY

@HDFCERGOGIC @policybazaar

🚨 CASHLESS DENIAL — CUSTOMER STILL IN HOSPITAL

Why can’t the customer @Pankaj0530 get the support they need?

Here are the some facts:

1️⃣ Admission: 19th August

2️⃣ Complaint: Loss of sensation & numbness on the left side of the jaw

3️⃣ Investigation: On 21st, the cashless investigation was already completed by Bullet Health Services via HDFC .

4️⃣ Patient status: Patient is still in the hospital and waiting for discharge approval.

Cashless denial reasons not acceptable 👇

❌ “Pre-existing CVA doubt” - No supporting evidence has been shared with us, and the treating doctor has also provided a clarification.

❌ “Patient is discharged” - While the patient is reportedly still admitted and awaiting discharge approval.

So, a straightforward question to HDFC ERGO

If the cashless investigation is already completed and the treating doctor has clarified the CVA concern, what exactly is still pending for the cashless approval/discharge?

And if there is a genuine medical finding or policy-related reason for denial, please communicate it clearly to the customer instead of leaving a patient and family in doubt and they are struggling for discharge.

It is about asking for transparency when a patient is still inside the hospital.

@HDFCERGO @Policybazaar

A customer paying premiums deserves clarity when they need their policy the most.

[Pankaj Chaudhary @Pankaj0530]

@HDFCERGOGIC — I purchased your Optima Secure trusting exactly this promise: “You can keep the reasons. We’ll keep adding the cover.”

But when I actually needed my insurance during hospitalization, what I experienced was cashless rejection, changing rejection grounds and repeated unanswered questions.

My simple questions remain: Where was the promised protection when I needed it? Why were my questions not answered with evidence? Why did the rejection grounds change?

I am now dealing with HDFC ERGO and @Policybazaar @_amitchhabra , the intermediary through which I purchased the policy, while both continue to give me responses without addressing the core facts.

Is this what “getting covered” means when a genuine policyholder actually raises a claim?

Advertising unlimited cover is easy. Providing transparent, evidence-based claim handling when the customer needs it is the real test.

#HDFCERGO #OptimaSecure #HealthInsurance #InsuranceClaim #ConsumerRights #InsuranceAccountability #ClaimRejection

@SanjayYada7n

[HDFC ERGO GIC @HDFCERGOGIC]

Reasons to not buy Health Insurance? Unlimited.
Your coverage? Also unlimited. Now.

From "I'm young and fit" to "what if my cover runs out" we've heard them all. So has HDFC ERGO.

That's why Optima Secure+ adds 100% of your base sum insured every year. Claims or no claims. Year after year.

You can keep the reasons. We'll keep adding the cover.

Know more & get covered today → https://t.co/cWzumcuqX9

#OptimaSecurePlus #HDFCERGO #HealthInsurance #InfiniteBenefit #GeneralInsurance

[Pankaj Chaudhary @Pankaj0530]

@policybazaar @HDFCERGOGIC @_amitchhabra

Aastha/PW58077 — “Senior doctor review” and “decision upheld” still does NOT answer my questions.

Please explain what exact help Policybazaar provided and answer these questions point-by-point:

1️⃣ Pre-auth: Did Policybazaar verify whether HDFC ERGO followed the applicable pre-authorisation process and its own policy terms correctly?

2️⃣ Discharge: HDFC rejected cashless citing “already discharged” on 21-Aug, while my hospital records show discharge on 25-Aug. Did Policybazaar independently challenge and verify this serious factual error?

3️⃣ Approval → rejection: Why was ₹40,002 pre-authorisation approved and then rejected shortly afterwards? Did Policybazaar obtain a proper explanation from HDFC?

4️⃣ Sinusitis: My admission was for sudden left-sided facial numbness/transient symptoms. MRI stated “No significant abnormality detected” and noted sinusitis. On what medical evidence did HDFC establish that sinusitis was the condition being treated? Did Policybazaar challenge this?

5️⃣ Hospital clarification: The treating hospital clarified the sinusitis finding and advised no further ENT treatment. Was this clarification actually challenged/considered?

6️⃣ Changing grounds: Why did the rejection move from CVA/PED + “already discharged” → Sinusitis exclusion? Did Policybazaar question HDFC about the change?

7️⃣ Promises made by Policybazaar: Your team repeatedly told me that you would arrange a call with an HDFC doctor, understand my medical grounds, and provide a written response to all the questions I had raised. Where is that promised call and written response? Till date, I have received neither.

8️⃣ During hospitalisation: When I was actually struggling in the hospital over the cashless rejection, where was Policybazaar? What concrete intervention did you make then?

I was also asked by Policybazaar not to tweet about the matter. If you genuinely believed my concerns were being addressed, why was I being asked not to raise them publicly?

Please don't respond with another generic statement that “a senior doctor reviewed it and HDFC upheld the decision.” That only repeats the outcome.

I am asking what Policybazaar actually investigated, what questions it put to HDFC, and what evidence it obtained.
Answer the 8 questions point-by-point. Facts, evidence and accountability — not another template response.

#Policybazaar #HDFCERGO #HealthInsurance #InsuranceClaim #InsuranceGrievance #ConsumerRights #CashlessClaim #ClaimRejection #Accountability

@SanjayYada7n

[Pankaj Chaudhary @Pankaj0530]

@policybazaar @HDFCERGOGIC
@_amitchhabra

Aastha, I understand that you require my policy/contact details to investigate. But repeating the same scripted response does not address my actual complaint.

I have already publicly explained that my concern is about Policybazaar's lack of meaningful support when I faced a health-insurance claim issue with HDFC ERGO.

If this is genuinely being investigated, please review my complete history, the communications already exchanged, and the circumstances surrounding the claim rather than simply asking me to repeat information.

I will DM the required details. However, please don't close this with another generic “we will assist you” response. I expect a substantive response from a senior grievance representative addressing the actual issues raised.
At present, the repeated template responses are giving the impression that this is damage control/formality rather than genuine customer assistance.
Policybazaar, please demonstrate through action that you stand with your customer even after the policy is sold — not only at the time of sale.
PW58077

#Policybazaar #HDFCERGO #HealthInsurance #InsuranceClaim #InsuranceGrievance #CustomerSupport #ConsumerRights #CustomerExperience

@SanjayYada7n

[Pankaj Chaudhary @Pankaj0530]

@policybazaar @_amitchhabra @hdfcergogic

Aastha, this response appears to be just a formality/eye-wash. I have already explained the complete issue publicly, yet instead of addressing the substance of my complaint, I am again being asked to share my contact details in DM.
My experience with Policybazaar has been extremely disappointing. When I actually needed support regarding my health insurance claim, I did not receive the level of assistance I expected from an intermediary that helped me purchase the policy.

I need action, not another scripted response. Please have a senior grievance representative review the complete matter, including my communications and the insurer's handling of the claim, and provide a written response addressing the actual issues raised.

Otherwise, it gives the impression that Policybazaar's priority is selling policies rather than standing by the customer when a claim problem arises.

PW58077 — Please prove through action that this is more than a formality.

#Policybazaar #HealthInsurance #InsuranceClaim #CustomerSupport #InsuranceGrievance #ConsumerRights #HDFCERGO #ClaimRejection #CustomerExperience

@sanjayyada7n