HDFC Life Insurance

I had very bad experience with HDFC LIFE INSURANCE . This insurance is not at all good with comparing other policy companies.My suggestion is not to go for this insurance company to make policy.This company don't have worthful policies, so don't go for it. HDFC agents says they have very good policies but they all are fake so go for other insurance comapnies.

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Now the latest news show that it is a good company with great share value At this time.

Share value of the company also effects on all over value and goodwill of the company and it's policies are also start for 1500Rs a month with Five year to 20 years plans with a great return after matureing. I go to an agent of this company he explained me the plans of my request with a please meanure.

I also want to invest more my money to this company to increase my wealth .

It approximately give 12% fixed return to its invested.

Thankyou

????

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There is no benefit of this plan. Only sum assured plus rivisonery bonus will be paid at meturity.in my case I will pay 210000 in 7 years.my sum assured is 147000 .and minimum 4% bonus on this.so maximum compound bonus 80000 in 10 . means 230000 near by. If it is 8% then maturity will be 300000 . what is benefit.so don't buy this policy . very bad plan

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Hello Friends,

I purchased this policy in October 2017. The agent of HDFC Life visit at my hours and tell me about the plans, They stated the terms and conditions in informative way.

There are many plans with HDFC Life . I selected the ULIP plan of HDFC Like that totally based on the Sunsex and Market. I given the them of 30k as the premium of 6 months.

The fund is increasing from that day. Customer service is also supportive Whenever I called them to checkout the fund or switch the fund they really help you to do that.

The best thing this also provide the like risk like in b/w some misshaping happened then HDFC will give you 10x premium on your annual amount that is great thing.

I suggest everyone go the HDFC Like that is one of the best policy in india.

Thanks

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Dear All,

I purchased a HDFC Life - Term Insurance in October 2017 and till date they have not sent me the hard copy of policy document.When I call them they tell me the document has been delivered to my address.When I ask them to whom have you delivered without intimating me, they have no answer.Now they want me to fill up form telling the document is not received / lost and aishwaryasingh23 some fees for reissue of duplicate document. Repeated emails to service@hdfclife.com has not helped.They just copy paste some standard reply and send it again.When I ask them why should I fill up any form fopr a policy that was not received they do not have any answer. I have even written a email to gro@hdfclife.com but no resolution. I have also emailed to escalation2@hdfclife.in which is the escalation email ID.

I request Mouth Shut users to educate your friends and well wishers to avoid such insurance company which makes you

send so many emails and do so many follow ups.Imagine what all your family has to go through when you are not here for them to claim the policy.

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Paid the premium amount for term policy, completed the medical test one month back, even though I was not regular smoker they are able to find nicotine in my blood. And I asked them to revise my Sum Assured for term policy. This happened one month back. But still have not received the policy documents.

Application No.: 1100044451757| Premium: INR 17754

Plan: HDFC Life Click 2 Protect 3D Plus| UIN: 101N115V02

Whenever I call the agent, he keep on saying the policy is under writing.

Branch Details:

Urmila Heights, 1st Flr, Banjara Rd No 10

Banjara Hills

Hyderabad - 500034

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I had a very bad experience with HDFC Life Insurance company and I am going to share it today.

First of all the agent of this insurance company was not able to explain the terms and conditions of the policies due to which his claims seemed unrealistic.so the costumer service is very poor.

Secondly none of the claim settlements were impressive.Ther are far too many good policies which are offered by other insurance companies at the same price.

The ranges and variety of plans are also very limited.overall I would not recommend anyone to waste time on HDFC Life Insurance.

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Hiii friends, This is Deepak Jangra and I would like to share my personal experience with the HDFC Life Insurance.

This review is regarding as my personal experience with this insurance agency.

HDFC gives a better life insurance as thet understand your life's value. I am a user of this insurance company from 2 years.

I suggest all of my friends this life insurance. If anyone wants to take a life insurance then contact HDFC life insurance.

The staff of there is good. They are very helpful. They understand you every plan and their plans are of middle range that anyone can afford.

Also the HDFC life insurance claim is very easy. You have to submit document related to insurance only and you get your money in few days.

The customer service is also good. Once my EMI didn't show for fill so I contacted them.

They helped me very quickly and in a better way. They have a good knowledge how to talk with customers. I suggest you friends to take a life insurance from HDFC life insurance. Thanks for reading my review.

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Friends, I write to share my harrowing experience while buying insurance products from HDFC life recently. I paid the premium on 19th Nov 2017 for 2 policies vide application numbers 2200044302265 and 1200044302263.

The ordeal began the very next day that my medical check-up was scheduled at Bangalore, i.e., at a place more than 2, 000 kms away from my place of residence!

I somehow got that corrected after pursuing the sales team.

However, the more was yet to come that I did not receive any policy as yet despite the mail from the HDFC life that one policy has been despatched on 23rd Nov 2017.

I had been following up the matter with the sales team but to no avail. Instead I get the excuses that sales CSM has recently joined and does not know the procedures and the product. I wonder if HDFC life is fileding sales team without proper induction into the Company!

For another policy, I received a call last week(i.e., after one month of payment of premium) that few documents are required. I uploaded as well as mailed those documents but I continue to receive the calls, messages and mails that documents are still required.

The sales team of HDFC life does not give any answers and the guys who chased me for payment of premium have all vanished in thick air.

The most painful part is that after being meted out with such a treatment, I wrote to Mr Amitabh Chaudhary, CEO of HDFC Life but to the utter diasppointment he chose not to revert to me, let alone take any action on the grievance.

Friends, can there be any other more befitting example of mis-representation, mis-statement and delinquency in services?

M-+ 91 9818 618 669

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I had recently opted for a Cancer Policy which was through an up-sale from Policybazaar.com. First it seemed all very good and after policy was purchased I got details in my email which were not present at first and continuously bothered for documentation even though I had submitted them online. Hence I decided to cancel immediately.

Ideally a refund should have been automatically processed to the source account immediately as it was an online purchase but HDFC denied to that. Then they told me that they would deduct the amount for the Medical Test. What Medical Test? It was never conducted and still getting penalized for it. I somehow agreed, then they sent a cheque which was not in the name of the person whose account was used to make this purchase. They asked me to asked to complete an NEFT form and send electronic copy of it along with copies of the issued cheques. After a week they asked me to courier the cheques and the NEFT form. I again abided and was told I will receive a refund withing 10 days. Its now been over 3 months and I have yet not received a refund and I have been constantly redirected to and fro between Policybazaar and HDFCLife.

If this is a scenario just for paltry 5K amount, imagine how trouble one would go through if its a claim settlement. The Customer Service is just a disaster. It is like talking to a Stonewall that would not sweat a drop or move an inch. Policybazaar also came up with lame excuses that this case is an exception and they rely on HDFCLife for the refund to the processed. Both keep on blaming each other and passing the trouble to each other while the customer suffers.

My suggestion, to approach an Insurance Company directly rather than going through 3rd parties like Policybazaar.

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I am Mohini Jain and I am really disappointed with HDFC life insurance. My father has taken 2 policies and paid the amount of almost Rs. 245000 each in past 5 years but he is getting 5000 rs. Less in return of this policy that is Rs. 239000 for one and Rs. 246000 for other. This is not acceptable. They have given only Rs 10000 as bonus for 3 years.

My father is not even getting the same amount he has paid, leave apart the bonus.

Before taking the policy one of your employee/agent name Parimal dixit id: 00489078 told" Sir pay 250000 in return you will get almost equal to 5 lacks". Why these People are fooling common man. I visited Branch and there they told this is just like a piggy bank and you will not get much benefit out of it. If it is like this then why they are selling and fooling people by lying about the returns.

I will not recommend HDFC LIFE INSURANCE to anybody.Guys please do not trust anyone until you are getting in written that this much amount you will receive in return.

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Why?

It is high time we complain to IRDA and get HDFC closed - if you want Life Insurance we can always choose LIC(Life Insurance Corp of India)

HDFC is a private sector similar to ICICI

but LIC is Indian government - you can trust the government but not the private

My bad experience is similar to many in mouth shut

They told me to hide certain factors like they are allowing me to convert the total payment of Rs 13, 000 paid into EMI while the verification call comes with recording

I am going to escalate this to IRDA

So there is some malpractice going and I am suspicious and I decided to cancel the policy within the 15 days of FREE LOOK period - I would not recommend you to go far HDFC life - I suggest LIC - I was with them for 20 years - no complaints

Thanks & Regards

Well wisher

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HDFC LIFE HAS INTRODUCED A TOP MOST INVESTMENT PLAN" HDFC PRO GROWTH SUPER TWO" WHICH IS SELLING LIKE A HOT CAKE THESE DAYS. I WOULD LIKE TO EXPLAIN IT WITH THE HELP OF AN EXAMPLE. IF A PERSON SPARES RS.20000-30000/- PER YEAR AND INVESTS IN THIS PLAN AND  FOR  A CONTINUOUS PERIOD OF 5 YRS, HE WILL SURELY EARN A PROFITABLE RETURN RANGING BETWEEN 150000/- TO 200000/-. MOREOVER THE TAX PAYERS WILL GET REBATE U/S 80C FOR THE SAME.

YOU CAN REDEEM YOUR POLICY AFTER 5 YRS OR YOU MAY CONTINUE WITH SOME ADD ON AMOUNT FOR FUTURE PERIOD. NOWDAYS THERE RARELY EXISTS SUCH PLANS WHICH GIVE SUCH FAST AND FURIOUS RETURNS IN SUCH SHORTER TIME PERIOD.

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So I was as of late reached by hdfc life coverage organization and they revealed to me different arrangements and plans.Well I was inspired by few and needed to pick 30k every year schme which was in a secure time of 8 years.So the person named mr aman he continued calling me consistently and he generally demands me to get the approach. Yet, I denied to him.But still he dont comprehend and he continued calling again and now I have hindered his number.I have not yet taken the arrangement and still I am getting so much chafed dont realize what will occur at the season of development they will deny to pay since they generally have some extraordinary terms and condition.

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HDFC is one of the worst life insurance where the people are having so many problems of investment how to invest to good one there is no good other option to invest and the bank service is not good has they place in ads the premium are very high values and staff will not give a complete details about the plans they give Brouchers and the investor have to select the plans Not a worth one.

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Dear Friends

Life insurance is becoming common since it proves helpful in future.I listened about hdfc life insurance and taken 50000/year for 10 years policy.

First time when I visited hdfc life insurance company to take insurance, they forced me to take the policy.Again and again calls were coming from hdfc regarding the insurance.i was annoyed by their calls.

Finally I took the insurance but after that no calls regarding policy framing, its processing etc.I need to personally go company to gather all these details.

Also they were polite during the time when I took insurance and after that they were very cruel.

They contains wide range of plans but their customer service is poor.My claim settlement was very much late and took 1.5 months to settle my claim.

Their policy contains too much hidden terms and conditions which are unknown to the customer.

Thanks for reading my review

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I recently took a HDFC pro growth policy from netbanking facility of bank on 30/10/2017. I paid a premium of ₹25000 on annually basis. I received a mail from hdfc life which show the bifarfication of my premium. There they put ₹12035 in blue chip fund, ₹12035 in diversified equity fund, ₹191 monthly charges of AMC.

On there website, it is showing that 1.35% pa is the charge took by hdfc life, however when I asked about extra deduction then they told me in first year 2.5% deduction will made and in second year 2.0% deduction will made apart from monthly charges of ₹191

I just want to say to hdfc life whatever you deduct, please show it on paper, don’t hide it.

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I have done my life insurance in HDFC last year and my experience regarding it not so good because HDFC employees never helped me when I want to know my policy status.Customer care service is also not good as they never pick up my calls and sometime put it on hold.Their charges of life insurances are high as compared to other Bank.They make many promises while opening insurance but after that they never try to contact the customer and some time they detect balance and put fine without informing me.Generally their Insurance contain whole life secuirity.The claim process is tough as it take upto 15 days after claiming.

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I have taken policy HDFC SL CREST.

They promised to give a return of minimum of 5 lakhs after 10 years initially. Now after 6 yeard they are saying this fund is not working good and will give 3.8 lakhs only after next 4 years hence redeem the money which is 2.5 and invest in another policy of theirs for next 5 years. I would have got more interest if I had just left the money in some bank. These people make u buy such useless policies by showing some previous data and play with your hard earned money for their commissions.

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Hdfc life insurance is a renowned name in the insurance sector but this is only a myth. This company is making people fool by giving them fake policies. As they say that this policy is giving this benifit but in reality they don't even explain the terms and conditions of their plans properly. Their agents and employees impress people by showing them colourfull dreams and just bond thier money. Once you purchase the plan they don't bother your presence if you again visit them. They have 5 year plans, term insurance from 1 year to 5 year plans, accidental plans but don't explain thier actual terms and conditions. When it comes to maturity they start bargening on the maturity amount and hence the maturity settlement ratio is poor. Recently hdfc refused the death claim of its top performing agent but when the family goes to consumer forum they start bargening and gave less amount than the sum proposed. Agents and employees misguide people when they ask for plans. Employees response is very poor. They claim to double your money in just 5 years which is not possible in any life insurance policy. They are simply running a fraud sindicate in simple word. So freinds don't get trapped in thier web. Talk to agents read all the term and conditions carefully. Compare all companies plans see IRDA claim settlement ratings because your hard money is precious so don't waste it.

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