PUNE : How Insurance Co managers of MetLife India insurance Co Ltd CHEAT and GRAB business by FRAUDULENT / CORRUPT Business Practice!!!
Insured Name : Mr. Moiz Bhaimia. Pune
Metlife Policy No : 20453398; IRDA/IGMS COMPLAINT TOKEN NO : 12-11-000927
MetLife Reference ID : MET001979
Mr.Siddarth Barman (Sr.Sales Manager, not an agent) of MetLife Insurance had noted all my past MEDICAL history RELATED TO RECTUM CANCER and got the form signed by me stating that he will fill up the details on my behalf AS IS A COMMON PRACTICE OF ALL SUCH AGENTS/MANAGERS IN ORDER TO IMPRESS CUSTOMERS BY NOT WASTING CUSTOMER'S TIME.
It was myself who complained to METLIFE office/ Mr.Siddarth Barman (Sr.Sales Manager) first after receiving the policy where I found that no such history RELATED TO RECTUM CANCER was noted.
Upon my complaint, Mr.Siddarth Barman (Sr.Sales Manager) had even gone to the extent of advising me to ignore this omission (stating that so many years have passed since my RECTUM CANCER was detected) which I strongly objected to by stating that I have nothing to hide and no way I am interested to get another policy from METLIFE by hiding facts which are already exposed to other Insurance Cos like LIC and KOTAK who had already sold insurance to me (after knowing all my past MEDICAL history RELATED TO RECTUM CANCER), details of which are given here for ready reference :
2.1 LIC Policy No 950074364. SA Rs.5.Lac Dated 1997
2.2 Kotak Life Insurance Policy No 00141253. SA Rs.2.5.Lac Dated 13-07-2004
2.3 Kotak Life Insurance Policy No 00354021. SA Rs.5.Lac Dated 28-10-2005
Understanding the wrong intention of Mr.Siddarth Barman (Sr.Sales Manager) to grab business at any cost, it was me who contacted Metlife office and the very same day Mr.Manish Malviya (Sr.Manager, Boss of Siddarth Barman) rushed to my office and clearly apologised for such mistake/bad practice on part of Mr.Siddarth Barman (Sr.Sales Manager).
Mr.Manish Malviya even proposed to terminate the service of Mr.Siddarth Barman (Sr.Sales Manager) who had hidden such case history in order to secure business.
It was me who requested Mr.Manish Malviya not to take any harsh action against Mr.Siddarth Barman, instead I asked for full refund of the premium collected from me as it was not my mistake.
Accordingly, Mr.Manish Malviya assured me that I shall get full refund (of Premium Paid) simply because I am no way responsible for hiding such facts which was awaringly HIDDEN by Mr.Siddarth Barman (Sr.Sales Manager) to grab business.
When I did not get my refund after waiting for couple of months, I even spoke to Mr.Joseph Augustin, (Reg.Manager, West Zone) and he also assured for full refund being sent to me shortly.
Suddenly, I receive a letter dated 18-08-2011(terminating this policy No. 20453398 against which I replied by letter dated 29-08-2011) where METLIFE SHAMELESSLY accused/defamed me of hiding facts when it was suppressed deliberately by Mr.Siddarth Barman (Sr.Sales Manager) to grab business at any cost, followed by my personal communication to Mr.Manish Malviya (Sr.Manager, Boss of Siddarth Barman) and Mr.Joseph Augustin (Reg.Manager, West Zone) informing all details.
An Insurance Customer MUST not be penalised under any circumstances due to FRAUD committed by METLIFE Sr.Sales Manager (NOT AN ORDINARY INSURANCE AGENT) with active support of Sr.Manager, Boss of Siddarth Barman & Reg.Manager, West Zone.
Most surprising of all is that being an executive, Grievance Redressal Team, METLIFE INSURANCE, Mr. Sathyappa K. is also awaringly allowing series of LIEs being uploaded in official IRDA complaint site!!! Which only prove that these FRAUD Metlife Managers even do not hesitate to CHEAT its very own PARENT BODY.
My query at this point is how can METLIFE provide resolution when the entire management of METLIFE India insurance Co Ltd are KNEE DEEP IN FRAUDULENT ACTIVITY RIGHT FROM a low rank manager(Sr.Sales Manager) to a High rank Manager(Reg.Manager, West Zone) TO Mr. Sathyappa K. Senior executive, Grievance Redressal Team WHO IS THE LATEST ADDITION TO THE GANG OF THREE FOR SHAMELESSLY GETTING INVOLVED IN SUCH DISGRACEFUL COVER-UP EFFORT!!
Also for your information, such mal-practice/fraud (as committed by Metlife managers) is admitted OPENLY on NATIONAL TV CHANNEL Lifeok in "SACH KA SAAMNA" show during the telecast period of 18th to 24th December, 2011 by a Life Insurance Agent Mr. Manish.
Unfortunately, in my case such mal-practice/fraud was WAS COMMITTED BY Mr.Siddarth Barman (Sr.Sales Manager) of METLIFE followed by a COVER-UP EFFORT DESPERATELY DONE AWARINGLY BY Mr.Manish Malviya (Sr.Manager, Boss of Siddarth Barman) & Mr.Joseph Augustin (Reg.Manager, West Zone) instead of an agent.
I request IRDA to use this complaint as "CASE STUDY" to PLUG THE LOOPHOLE left open for MISUSE by people (right from an ordinary agent to Sr.Sales Manager to Sr.Manager to Regional Manager) who can MANIPULATE customer data in order to secure business at any cost and the very first step of MITIGATION should be : ALL APPLICATION FORM MUST BE FILLED BY CUSTOMER HIMSELF with guidance of the Agent/Manager (certainly not to be filled by Agent/Manager).
IRRESPECTIVE OF METLIFE hiding its face behind series of LIES, FOLLOWING 2 GLARING TRUTH WILL ALWAYS RULE SUPREME OVER ANY ARGUEMENTS (be it true or false) at any point of time :
Ø Can a proposer with 3 existing LIFE-COVER (REVEALING his rectum cancer history) FROM REPUTED INSTITUTION LIKE LIC AND KOTAK, BE SO FOOLISH TOBUY HIS 4TH INSURANCE POLICY BY HIDING THE SAME FACT WHICH ISALREADY REVEALED TO OTHER INSURANCE COS???
Ø IF AT ALL an Insured person WANTED TO HIDE his RECTUM CANCER HISTORY IN his 4TH POLICY, WHY SHOULD he himself REVEAL THIS HIDDEN FACT TO METLIFE AS he COULD HAVE CONTINUED WITH THE LIFE COVERAGE ALREADY GIVEN BY METLIFE??
Pune
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