I am extremely disappointed with my experience with HDFC ERGO General Insurance - SHIMOGA Branch. Despite paying premiums diligently, my cashless health insurance claim was rejected on the grounds of non-disclosure of diabetes and hypertension.Here’s what happened:Full Disclosure Was Made – At the time of purchasing the policy, I clearly informed the agent about my pre-existing conditions (diabetes & hypertension) and even shared the prescription via WhatsApp. The agent acknowledged it and assured me that it would be updated in the system. I have proof of this conversation.Claim Denied Due to Their Mistake – When I raised a claim, HDFC ERGO rejected it, blaming non-disclosure. When I escalated the issue, the management casually admitted it was "a silly mistake from their end" but refused to take responsibility, saying "we can’t do anything about it."Unfair & Unethical – If I disclosed my conditions, the agent confirmed it, and yet HDFC ERGO still denies the claim, what’s the point of having insurance? Now, I’m forced to pay the entire medical bill from my pocket, despite being truthful from the beginning.Is This a Scam? – It feels like HDFC ERGO intentionally ignores disclosures to approve policies quickly, only to deny claims later. Do they care more about meeting sales targets than serving customers?Shocking behavior from a reputed insurance company. I would strongly advise others to think twice before trusting HDFC ERGO with their health insurance needs. Zero accountability, terrible service, and unfair claim practices.
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