Thejas Sivaraman

Nomad

[Thejas Sivaraman @thejasnotbad]

Public Warning: After I exposed his lies, @Policybazaar seemingly blacklisted my number, but another phone connects instantly. Aggregators sell by hiding facts and block you in a live crisis. Do not fall into their trap!

[Thejas Sivaraman @thejasnotbad]

@policybazaar Public Warning: After I exposed his lies, @Policybazaar seemingly blacklisted my number, but another phone connects instantly. Aggregators sell by hiding facts and block you in a live crisis. Do not fall into their trap!

[Thejas Sivaraman @thejasnotbad]

@policybazaar I refused to give up, dug into the policy documents, and found the exact legal truth: the active Rider terms explicitly mandate Day 0 coverage for both diabetes AND its complications. Mr. Ajeet intentionally weaponized base exclusions and hid the true rider clauses to deny help.

[Thejas Sivaraman @thejasnotbad]

@policybazaar During my mother's hospitalization, RM Ajeet Kumar Choudhary (Emp ID: BPW61111) gave completely upside-down info. He aggressively claimed diabetic complications face a 36-month wait and are excluded from the waiver. CHe insulted and left me feeling hopeless.

[Thejas Sivaraman @thejasnotbad]

@policybazaar Why do we buy via @Policybazaar instead of directly from insurers? For the heavily advertised "100% Claim Assistance" during medical emergencies. But once they take their commission, they hide, mislead, and completely abandon you when you need them most.

[Thejas Sivaraman @thejasnotbad]

and found the exact legal truth: the active Rider terms explicitly mandate Day 0 coverage for both diabetes AND its complications. Mr. Ajeet intentionally weaponized base exclusions and hid the true rider clauses to deny help.

[Thejas Sivaraman @thejasnotbad]

During my mother's hospitalization, RM Ajeet Kumar Choudhary (Emp ID: BPW61111) gave completely upside-down info. He aggressively claimed diabetic complications face a 36-month wait and are excluded from the waiver. I refused to give up, dug into the policy documents,

[Thejas Sivaraman @thejasnotbad]

Why do we buy via @Policybazaar instead of directly from insurers? For the heavily advertised "100% Claim Assistance" during medical emergencies. But once they take their commission, they hide, mislead, and completely abandon you when you need them most.

[Thejas Sivaraman @thejasnotbad]

@policybazaar Why do we buy via @Policybazaar instead of directly from insurers? For the heavily advertised "100% Claim Assistance" during medical emergencies. But once they take their commission, they hide, mislead, and completely abandon you when you need them most.

[Thejas Sivaraman @thejasnotbad]

@policybazaar @PolicyBazaar @NivaBupa Cashless claim rejected. Different representatives gave different answers. Promised a callback within 1 hour, but no call even after 2 days. Dedicated RM was of no help. Based on my experience, please think twice before buying.

[Thejas Sivaraman @thejasnotbad]

@policybazaar @PolicyBazaar @NivaBupa Cashless claim rejected. Different representatives gave different answers. Promised a callback within 1 hour, but no call even after 2 days. Dedicated RM was of no help. Based on my experience, please think twice before buying.

[Thejas Sivaraman @thejasnotbad]

@policybazaar Buying a policy was easy. Getting support during a medical emergency wasn’t. After my cashless claim rejection, I got conflicting answers from support, a promised 1-hour callback never came even after 2 days, and the dedicated RM was nowhere to help.

[Thejas Sivaraman @thejasnotbad]

@policybazaar Buying a policy was easy. Getting support during a medical emergency wasn’t. After my cashless claim rejection, I got conflicting answers from support, a promised 1-hour callback never came even after 2 days, and the dedicated RM was nowhere to help.

[Thejas Sivaraman @thejasnotbad]

@policybazaar Insurance is tested not when you buy it, but when you make a claim.
#HealthInsurance #InsuranceClaim #CustomerExperience #PolicyholderRights #Policybazaar

[Thejas Sivaraman @thejasnotbad]

@policybazaar Before buying any policy, ask:
• Who will support you during a claim?
• Will you get written guidance?
• How responsive is the claims team?
• What are the waiting periods and exclusions?

[Thejas Sivaraman @thejasnotbad]

@policybazaar Even the dedicated relationship manager failed to provide clear guidance or assistance. When families are already dealing with medical emergencies, the last thing they need is confusion, contradictory information, and unfulfilled commitments.

[Thejas Sivaraman @thejasnotbad]

@policybazaar while others could not provide a clear answer.
I was also assured that I would receive a callback within one hour regarding my concern. However, even after two days, no callback was received and no meaningful update was provided.

[Thejas Sivaraman @thejasnotbad]

@policybazaar In my case, after a cashless claim rejection, I contacted customer support multiple times and received different answers from different representatives. One representative advised reimbursement, another stated that no claim would be payable,

[Thejas Sivaraman @thejasnotbad]

@policybazaar A humble request to everyone purchasing health insurance through aggregators and online platforms:
Please do not judge a policy only by the premium or sales promises. Also check the quality of claim support you will receive during hospitalization.

[Thejas Sivaraman @thejasnotbad]

@policybazaar I have received this mail several times, but no resolution