⭐ 1 Star — Absolutely Horrible and Pathetic App
⭐ 1 Star — Absolutely Horrible and Pathetic App
You cannot expect a more horrible and pathetic app than this. Multiple basic and critical functions simply do not work.
The most important feature of any banking/financial app should be claim support. Yet the moment you try to raise a claim, the app forces you to log out. You log back in, try again, and are thrown into the same vicious loop. It is practically impossible to complete the process.
Uploading documents is another nightmare. The app repeatedly forces you to log out and log back in, only to encounter the exact same problem again. These are not minor bugs — these are fundamental functions that should have been fixed years ago.
What is even more unbelievable is that this has apparently been going on for years. How can an institution expect customers to trust its digital services when such basic functionality remains broken for so long?
The developers and the people responsible for designing, maintaining, and overseeing this app should genuinely be ashamed of the state of this product. This reflects an astonishing lack of accountability, quality control, and concern for customers.
It is difficult to understand how an organisation can have the time and resources for everything else, yet apparently have no urgency whatsoever to fix an app that customers are forced to depend on.
Horrible. Pathetic. Frustrating. Unreliable.
This app desperately needs a complete overhaul — not another superficial update that claims to fix things while leaving the fundamental problems untouched.
You cannot expect a more horrible and pathetic app than this. Multiple basic and critical functions simply do not work.
The most important feature of any banking/financial app should be claim support. Yet the moment you try to raise a claim, the app forces you to log out. You log back in, try again, and are thrown into the same vicious loop. It is practically impossible to complete the process.
Uploading documents is another nightmare. The app repeatedly forces you to log out and log back in, only to encounter the exact same problem again. These are not minor bugs — these are fundamental functions that should have been fixed years ago.
What is even more unbelievable is that this has apparently been going on for years. How can an institution expect customers to trust its digital services when such basic functionality remains broken for so long?
The developers and the people responsible for designing, maintaining, and overseeing this app should genuinely be ashamed of the state of this product. This reflects an astonishing lack of accountability, quality control, and concern for customers.
It is difficult to understand how an organisation can have the time and resources for everything else, yet apparently have no urgency whatsoever to fix an app that customers are forced to depend on.
Horrible. Pathetic. Frustrating. Unreliable.
This app desperately needs a complete overhaul — not another superficial update that claims to fix things while leaving the fundamental problems untouched.
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Bug Report
The app UI is clean, but there are some bugs first of all the most frustrated one is there is no option to remove a duplicated policy for example when I purchase insurance for my car I manually added the policy into the app but after few minutes one more automatically added that is fine but now both are showing and I am not able to remove anyone which looks frustrated and irrelevant as well. Second thing is the app response is very slow, many times when I try to navigate it respond very slowly which frustrates me again. I hope it will help to make these necessary improvements into the app.
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*worst**
Extremely poor experience with this health insurance service. It took nearly 2 months just to correct a basic name error, despite submitting all valid documents multiple times.
During this delay, my claim was cancelled, and I faced continuous issues trying to reopen it. Customer support is highly ineffective — no proper email responses, and calls are handled mostly by automated systems with no real resolution.
Due to this, I had to cancel my policy (including family coverage), and even after raising a cancellation request, there has been no response regarding refund.
This kind of service is unacceptable, especially for something as critical as health insurance. Proceed with caution.
During this delay, my claim was cancelled, and I faced continuous issues trying to reopen it. Customer support is highly ineffective — no proper email responses, and calls are handled mostly by automated systems with no real resolution.
Due to this, I had to cancel my policy (including family coverage), and even after raising a cancellation request, there has been no response regarding refund.
This kind of service is unacceptable, especially for something as critical as health insurance. Proceed with caution.
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Scheme like a Fraud
I had a deeply frustrating experience with HDFC ERGO's "India Gets Moving" scheme. The company not only failed to deliver on its promises but also engaged in unfair trade practices.
Whenever a customer files a complaint, they are given a new date for resolution, but their problem is never actually solved. No matter how many emails or calls you make, they do nothing. After a month or two, they simply close the complaint themselves. I myself have been a victim of this. When you contact customer care and they can't resolve the issue, they say they will give you their senior's number. However, the number they provide is either unreachable or they don't reply to emails properly. They focus more on making excuses than on resolving the problem.
Customers, including myself, were subjected to repeated false assurances, and the entire process seemed intentionally designed to test patience. Despite sending numerous emails in an attempt to resolve the issue, I received only unsatisfactory responses.
I was repeatedly told to "wait," with no tangible solutions or updates. The scheme itself appears dubious-redemption dates are continually extended, and policies are modified to suit the company's interests, leaving customers in a state of uncertainty. I purchased an iWatch under this scheme, but it has been a complete ordeal. Despite adhering to all guidelines, I still haven't received what was promised. HDFC ERGO seems more focused on avoiding its commitments than on resolving customer issues.
I strongly advise against purchasing any product, particularly an iWatch, under this scheme. The lack of transparency and customer service is unacceptable. I am now considering legal action and urge others to do the same if they face similar challenges. This company seems to prioritize exploiting customers over fulfilling its promises. I highly recommend staying away from this scheme.
Whenever a customer files a complaint, they are given a new date for resolution, but their problem is never actually solved. No matter how many emails or calls you make, they do nothing. After a month or two, they simply close the complaint themselves. I myself have been a victim of this. When you contact customer care and they can't resolve the issue, they say they will give you their senior's number. However, the number they provide is either unreachable or they don't reply to emails properly. They focus more on making excuses than on resolving the problem.
Customers, including myself, were subjected to repeated false assurances, and the entire process seemed intentionally designed to test patience. Despite sending numerous emails in an attempt to resolve the issue, I received only unsatisfactory responses.
I was repeatedly told to "wait," with no tangible solutions or updates. The scheme itself appears dubious-redemption dates are continually extended, and policies are modified to suit the company's interests, leaving customers in a state of uncertainty. I purchased an iWatch under this scheme, but it has been a complete ordeal. Despite adhering to all guidelines, I still haven't received what was promised. HDFC ERGO seems more focused on avoiding its commitments than on resolving customer issues.
I strongly advise against purchasing any product, particularly an iWatch, under this scheme. The lack of transparency and customer service is unacceptable. I am now considering legal action and urge others to do the same if they face similar challenges. This company seems to prioritize exploiting customers over fulfilling its promises. I highly recommend staying away from this scheme.
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Genuine Claim Denied & Treated Horribly — Please Read Before Trusting
My accident was sudden — the tyre and rim burst instantly on impact — and I submitted every photo, document, and detail exactly as required. Despite this, HDFC ERGO’s Jaipur branch denied my genuine claim without giving a single proper policy clause or technical reason.
What shocked me even more was the behaviour of the staff and surveyor: rude, dismissive, and mentally exhausting during a time when a customer actually needs support.
People deserve to know how easily a real, legitimate claim can be denied and how poorly customers can be treated during emergencies. Think twice before trusting your safety and money with this service.
What shocked me even more was the behaviour of the staff and surveyor: rude, dismissive, and mentally exhausting during a time when a customer actually needs support.
People deserve to know how easily a real, legitimate claim can be denied and how poorly customers can be treated during emergencies. Think twice before trusting your safety and money with this service.
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