My policy No. was 010975606 of ICICI Prudential, Health Solution.
Mr. Mihir Sanghavi (9820778743) of Mumbai, Gatkopar branch made my policy, his boss was Ajay Negi.
At the time of discussion he told me that the premium of the Policy is Rs. 10000. out of which around Rs. 4000 will be deduct as coverage for 3 L Heath Insurance and rest will be made fixed at 9.5% interest. At the time of policy Mihir did not disclose that it is going to be some different. I believed on him, and purchased the Policy. Then the policy paper was sent to my home town in Kolkata. At the time of policy I am told as the max amount is going to invest in FD so i can get back the rest amount even after one year tenure. If He told that I have to continue it for 3 years like any ULIP plan, then I thought some thing different.
Now when the policy covered one year, i went to ICICI Branch, and I am told that it is under ULIP plan so if I need my money back, then I have to continue it at least for 3 years. Which is not my expected result.
So, requesting you please do not buy any ICICI Prudential policies before thoroughly check.
1 comment:
I'm sorry for you. I think not only ICICI customers but also all who like to invest in any policy, not matter what company you have chosen, need to be more careful and study the proposal agreement carefully. Because now a day the agents are not that much worthy to fully believe on them. Most of them just mention what they need to sell their policies. So it's better to be go through the proposal agreement yourself before making any commitment.
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