Disheartening experience with health insurance before even starting the policy. I applied for a family mediclaim policy for 9 members after receiving multiple assurances from the sales representative. However, immediately after making the payment, the service quality deteriorated. Medical tests were needed for 4 members. Despite repeatedly requesting home sample collection, the app continued to indicate lab visits. Appointments were rescheduled several times over 10–12 days, yet the same issue persisted. One appointment was even set for a Sunday when the lab was closed, leading to a complete waste of time and effort. I took leave from work multiple times, waited all day, only to find the appointment incorrectly marked again. Customer support merely apologized each time, attributing it to a “system mistake”—yet the same error occurred four times, which is unacceptable. Post-payment interactions were even more disappointing. Before payment, the sales representative was consistently available. After payment, I was informed that she had no further responsibilities, and there was no proper follow-up. This lack of transparency is misleading and unethical. Such poor coordination and negligence during the onboarding phase raises serious concerns about support during emergencies. I have now cancelled the policy and requested a refund. I would strongly recommend others to reconsider their choice if they prioritize reliability and service quality.
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Acko General Insurance, an independent general insurer whose entire operations are through the digital platform, has raised $30 million in a seed round, making it one of the largest seed rounds for a start-up in India.
