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Reflecting on my experience with PolicyBazaarI encountered a series of issues that raised concerns about their reliability. InitiallyI engaged with their website to explore term insurance optionsbut the persistent follow-up calls from an agent convinced me to proceed with a purchase.
The agent assured me that by adding my wifewe could have a joint policy covering both of us (LIE 1). Additionallyhe recommended a riderassuring it would apply to both of us (LIE 2). Trusting his wordsI moved forward (MORON).
After completing medical testsI received a policy only for my wifewithout the rider and not in the plan I had requested. On top of thatmy policy was declined by ICICI without any explanation. HA HA
Despite numerous attempts to contact the agent and his managerwho were previously quite persistentI was met with silencelike when you message your crush and they just see and ignore.
This experience is troubling as term insurance deals with matters of life and death. The lack of communication and accountability from PolicyBazaarespecially in a critical situationis disappointing. My advice/request to fellow dimers is to consider purchasing policies directly from reputable banksit may cost you little more but avoid the complexities of dealing with intermediaries who will only focus on their sales target.
On bimabharosa website ( official IRDAI grievances portal ) you can complaint against agent as well.
Just complaint about policybazar and when they call you later just greet them with sweet sweet words ( you understand what i mean )
Also you can cancel the policy within first 30 days.
I have stopped even opening their site as doosra number no longer works. Recently ported my parents health policy in assistance from ditto. They explained the product really welleven before getting to them I had the quote of same policy care supreme from offline agent but the way they explained each detail I went ahead with them.
just cancel the policy if it's still under free look period
Free look period is a sham in the online world. They won't cancel it and then blame you that you delayed it
Always bad experience with Policybazaar. I requested for cancellation of my investment plan on 29th October but till date no refund. Daily calls receiving from policybazaar saying that your cancellation will be done in 2-3 days
Complain to their Social Media accounts.
Alsotake this to the IRDAIall these conversations are supposed to be recorded and preserved by them (Policybazar).
Firstly cancel your wife's policy on priority. I assume that you have paid for rider too and it hasn't been included in the policy. For your policy get a quote from agent or beshakthoroughly read it and then only proceed ahead.
Never buy the any policy from Policybazaardue to after sells no supportI have Same issue with HDFC Heath with meso I recommend it. directly buy from authorized websites only
Just to wanted to share my experiencelast month I bought icici term life insurance from policybazaar and experience was quite good.. I didn't take any add-on although they tried to sell it. There were some hiccups during employment verification but they were very helpful... Even after policy assurance i asked them to cancel SI and they did it without any cross question!
Similarly I am buying motor vehicle insurance from policy bazaar with zero depreciation and idv value of 50k+ since last 2 yearsso far no issue faced
Final words/tips
Before purchasing any policy compare the policies using incognito window and then select onethen compare the premium on the company website. If premium value is samethen buy from company else policybazaar.. However again before giving your actual details please make a firm decision like terms of paymenttotal coverage etc else policybazaar executives will try to sell. Firmly say them I have already decided this and thatplease guide me or self
...... Self apply. Simply ignore their offers and proceed with what's in your mind.
Advantage with policybazaar is in case of assistance/claimyou can approach policybazaar with just a call or even use WhatsApp rather than running through companies (which is also an additional option)
Final thing don't hide any details or medical history.. Say everything let them decide!
My experience
I purchased term insurance in policy bazar
Before that i researched about term insurance in youtube and found some information(how to purchase) and searched term insurance policies in policy bazar with unuse number(to ignore spam calls) after research i found my policy after that i login with my number in policy bazar and purchased a policy of my choice after that they done my health checkups in my town and i got my policy Its a smooth process
Final: Do Research And Buy A Policy
you can try "beshak.org" . they have professional advisors and provide right guidance
We have been providing Max life insurance policies(mostly) for our clients. If you want to get itplease pm me.
No spam calls for sure....
Many from dd have bought it via us at a better price too.
Details pls in dm
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just cancel the policy if it's still under free look period