⭐ 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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Even after submitting correct policy number app is unable to proceed with premium renewal. Worst!
Even after submitting correct policy number following OTP authentication this app is unable to proceed further with premium renewal. The Contact centre keeps following up customer for premium renewal. The Support team asks customer to wait until less than 30 days are left for renewal. And the IT team doesn’t know they should at least print an error message when the app can’t proceed further for whatever reason. Hopefully my first claim experience will be better than this.
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Scam of Ergo with collaboration of apple and zopper
Experienced an extremely frustrating experience with
HDFC ERGO's "India Gets Moving" scheme.
The company not only failed to provide genuine satisfaction but also resorted to unfair trade practices. They harassed customers, including myself, with false promises, and the entire process is designed to test your patience.
Despite sending numerous emails and trying to resolve the issue, I received nothing but unsatisfactory responses. They kept telling me to
"wait," with no concrete solution or updates.
The scheme itself feels like a scam-redemption dates are constantly extended, and policies are amended to suit their needs, leaving customers in the dark.
I purchased an iWatch under this scheme, but it's been a nightmare ever since. l've followed all the guidelines and still haven't received what was promised. HDFC ERGO seems more interested in avoiding their commitments than in resolving issues.
I would strongly advise against purchasing anything, especially an iWatch, under this scheme
Their lack of transparency and customer service is appalling. I'm now considering legal action, and l urge others to do the same if they encounter similar problems. This company clearly doesn't value its customers and uses exploitative tactics to avoid fulfilling their promises.
Even staying away from HDFC is the way forward.
Stay far away!
HDFC ERGO's "India Gets Moving" scheme.
The company not only failed to provide genuine satisfaction but also resorted to unfair trade practices. They harassed customers, including myself, with false promises, and the entire process is designed to test your patience.
Despite sending numerous emails and trying to resolve the issue, I received nothing but unsatisfactory responses. They kept telling me to
"wait," with no concrete solution or updates.
The scheme itself feels like a scam-redemption dates are constantly extended, and policies are amended to suit their needs, leaving customers in the dark.
I purchased an iWatch under this scheme, but it's been a nightmare ever since. l've followed all the guidelines and still haven't received what was promised. HDFC ERGO seems more interested in avoiding their commitments than in resolving issues.
I would strongly advise against purchasing anything, especially an iWatch, under this scheme
Their lack of transparency and customer service is appalling. I'm now considering legal action, and l urge others to do the same if they encounter similar problems. This company clearly doesn't value its customers and uses exploitative tactics to avoid fulfilling their promises.
Even staying away from HDFC is the way forward.
Stay far away!
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scam india got moving
scam india gets moving
Scammer
Please avoid purchasing any policy with HDFC ERGO. They have scammed thousands of people through the Indian Get Moving program. It is advisable to avoid all HDFC services.
Non-payment of Claims and Breach of Promise under 'India Gets Moving' Initiative
Dear HDFC ERGO, Apple Support,
I am writing to express my serious dissatisfaction with the way my claims have been handled under the 'India Gets Moving' initiative. I had made a claim for the cashback on my Apple Watch purchase for month 1, which was processed successfully. However, I am still awaiting the claims for month 2 and month 3, despite fulfilling all requirements outlined in the policy.
I have received a communication stating that my claim was "not as per the policy," but there has been no clear explanation provided about what went wrong. I have documentation supporting my claims and compliance with the policy terms, and I demand a clear, transparent explanation regarding the discrepancies.
This situation is unacceptable, as I was encouraged to purchase the Apple Watch with the promise of cashback under the 'India Gets Moving' initiative. However, not only have the subsequent claims been denied without just cause, but I also feel that both HDFC ERGO and Apple are misleading customers by not delivering on the assurances made at the time of purchase.
If this issue is not resolved promptly, I will have no choice but to pursue legal action against both HDFC ERGO and Apple for breach of trust, failure to honor contractual obligations, and for misleading marketing practices.
I expect a resolution to this matter within 7 days. If not, I will be forced to take further steps, including legal recourse.
I look forward to your immediate response and resolution of this matter.
Sincerely,
Praveen N
I am writing to express my serious dissatisfaction with the way my claims have been handled under the 'India Gets Moving' initiative. I had made a claim for the cashback on my Apple Watch purchase for month 1, which was processed successfully. However, I am still awaiting the claims for month 2 and month 3, despite fulfilling all requirements outlined in the policy.
I have received a communication stating that my claim was "not as per the policy," but there has been no clear explanation provided about what went wrong. I have documentation supporting my claims and compliance with the policy terms, and I demand a clear, transparent explanation regarding the discrepancies.
This situation is unacceptable, as I was encouraged to purchase the Apple Watch with the promise of cashback under the 'India Gets Moving' initiative. However, not only have the subsequent claims been denied without just cause, but I also feel that both HDFC ERGO and Apple are misleading customers by not delivering on the assurances made at the time of purchase.
If this issue is not resolved promptly, I will have no choice but to pursue legal action against both HDFC ERGO and Apple for breach of trust, failure to honor contractual obligations, and for misleading marketing practices.
I expect a resolution to this matter within 7 days. If not, I will be forced to take further steps, including legal recourse.
I look forward to your immediate response and resolution of this matter.
Sincerely,
Praveen N
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Worst Company, worst application
I had a deeply frustrating experience with HDFC ERGO’s “India Gets Moving” scheme. Not only did the company fail to deliver genuine customer satisfaction, but they also engaged in unfair trade practices. They misled customers, including myself, with false promises, and the entire process seems deliberately designed to test one’s patience.
Despite sending multiple emails and attempting to resolve the issue, I received nothing but vague and unsatisfactory responses. They repeatedly told me to “wait” without providing any concrete solutions or updates. The scheme itself feels deceptive—redemption dates keep getting extended, and policies are changed to benefit the company while leaving customers uninformed and helpless.
I purchased an iWatch under this scheme, but it has been a nightmare from the start. I followed all the guidelines, yet I still haven’t received what was promised. HDFC ERGO appears more focused on evading its commitments than on addressing customer concerns.
I strongly advise against purchasing anything, especially an iWatch, through this scheme. Their lack of transparency and poor customer service are unacceptable. I am now considering legal action and encourage others to do the same if they face similar issues. This company clearly does not prioritize its customers and relies on exploitative tactics to avoid fulfilling its promises. Stay away!
Despite sending multiple emails and attempting to resolve the issue, I received nothing but vague and unsatisfactory responses. They repeatedly told me to “wait” without providing any concrete solutions or updates. The scheme itself feels deceptive—redemption dates keep getting extended, and policies are changed to benefit the company while leaving customers uninformed and helpless.
I purchased an iWatch under this scheme, but it has been a nightmare from the start. I followed all the guidelines, yet I still haven’t received what was promised. HDFC ERGO appears more focused on evading its commitments than on addressing customer concerns.
I strongly advise against purchasing anything, especially an iWatch, through this scheme. Their lack of transparency and poor customer service are unacceptable. I am now considering legal action and encourage others to do the same if they face similar issues. This company clearly does not prioritize its customers and relies on exploitative tactics to avoid fulfilling its promises. Stay away!
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Fraud and miselling
HDFC ERGO and Zooper took a cut into the sales of the Apple Watches through the India get moving initiative where people bought watches and at times buying watches which were more expensive as it did have a way to earn back 100% of it. It let to increase in sales at Apple where Zooper and HDFC EGRO also profited. Further when the time came to pay those claims for 1 month of the payment, HDFCERGO mass rejected the claims to the tune of 80-90% percent without providing any specifics and on its own unilateral decision. I did an average of 15,300 steps in January and 15,532 steps in December but my claim was also denied with no further information provided. The customer support does not help and just using everything in their might to deny the actual claims.
If they do not come clean and provide enough data on which ground the claim was rejected, or provide the claimed amount, HDFC lost me as a customer for sure for life. And I’m probably the top 5% of actual income taxpayers in India so you might have just lost a considerable business.
If they do not come clean and provide enough data on which ground the claim was rejected, or provide the claimed amount, HDFC lost me as a customer for sure for life. And I’m probably the top 5% of actual income taxpayers in India so you might have just lost a considerable business.
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Hdfc ergo - Scammer
Numerous users are alleging that HDFC ERGO has scammed participants of the "India Gets Moving" campaign, which promised cashback for purchasing an Apple Watch upon meeting daily step goals. Many claim their cashback requests were unjustly denied, with HDFC citing reasons such as "step count manipulation" without providing concrete evidence. This has led to significant dissatisfaction among users who believed they fulfilled all requirements.
Key Issues Reported:
Claim Denials: Users reported that after meeting the required 15,000 steps daily, their claims for cashback were rejected on dubious grounds, including accusations of data manipulation and improper usage of the Apple Watch123.
Policy Termination: Some users faced not only claim denials but also termination of their insurance policies, further deepening concerns about the program's integrity23.
Lack of Transparency: Affected individuals have criticized HDFC ERGO for inadequate communication and transparency regarding claim rejections and policy terminations12.
User Reactions:
The situation has sparked outrage online, with many users sharing their experiences in forums and social media. They exp
Key Issues Reported:
Claim Denials: Users reported that after meeting the required 15,000 steps daily, their claims for cashback were rejected on dubious grounds, including accusations of data manipulation and improper usage of the Apple Watch123.
Policy Termination: Some users faced not only claim denials but also termination of their insurance policies, further deepening concerns about the program's integrity23.
Lack of Transparency: Affected individuals have criticized HDFC ERGO for inadequate communication and transparency regarding claim rejections and policy terminations12.
User Reactions:
The situation has sparked outrage online, with many users sharing their experiences in forums and social media. They exp
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Fraud nd spam
Fraud nd spam
Fraud scam
Fraud & scam doing with all policy holder
Seems like a fraud .Beware
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. 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.
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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Fraud app
The “India Gets Moving” offer by HDFC Ergo and Zooper, which promised rewards like an Apple Watch for maintaining a daily step count, has turned out to be a misleading scheme for many users. Several participants have reported issues such as unreasonably high step targets, non-tracking of steps despite meeting the goal, hidden charges, and difficulties in claiming promised rewards. The lack of transparency in terms and conditions, coupled with poor customer support, has left many feeling scammed. What seemed like a fitness incentive has instead become a frustrating experience, raising concerns about deceptive marketing tactics by reputed financial institutions.
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Fraud and scamming
I had an extremely disappointed experience with this app which is making money out of customers hard earned money. This is under ‘India keeps moving’ initiative with HDFC ergo and apple . Not only the app failed to generate the amount reimbursement but also the policy has been cancelled with no explanation. A generic email with no underlying reasons of cancellation. If this was a gimmick at first place and you are planning to make this successful, be aware to bear harsh consequences. Not everyone will let go off their penny to money diggers. Highly disappointed 👎👎👎 wish there was zero rating option that suits the best
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HDFC ERGO SCAMMED
The “India Gets Moving” initiative by HDFC ERGO, in collaboration with Zopper, was designed to promote healthy habits by offering customers the opportunity to earn wellness rewards, including the reimbursement of an Apple Watch’s cost, upon achieving specific fitness goals. Participants were required to maintain a daily step count, tracked via the “here by HDFC ERGO” app, to accumulate points redeemable for these rewards.
However, numerous participants have reported significant challenges with the program. A prevalent issue involves the rejection of claims without clear explanations. For instance, one user shared their experience of consistently meeting the daily target of 15,000 steps, only to have their ₹7,500 claim denied and their policy terminated without sufficient justification. The company cited “manipulation” but did not provide concrete evidence to support this allegation. 
However, numerous participants have reported significant challenges with the program. A prevalent issue involves the rejection of claims without clear explanations. For instance, one user shared their experience of consistently meeting the daily target of 15,000 steps, only to have their ₹7,500 claim denied and their policy terminated without sufficient justification. The company cited “manipulation” but did not provide concrete evidence to support this allegation. 
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Got Scammed by HDFC ERGO
I am extremely disappointed with the "here by HDFC ERGO" app and their "India Gets Moving" program. I purchased an Apple Watch specifically through this program, enticed by their promise of a full refund (via 12 monthly installments) upon achieving a daily step count of 15,000 for 12 months. This turned out to be a complete scam.
After diligently meeting the step count requirement for the entire period, my policy was abruptly terminated without a valid reason or proper explanation. I, along with what appears to be thousands of others, have been left high and dry. HDFC ERGO rejected my claim, citing vague, system-generated reasons that lacked any substance. It's clear they never intended to honor their commitment.
I strongly advise against purchasing any insurance product from HDFC ERGO. This experience has shown me that they are untrustworthy and operate with deceptive practices. You risk losing your hard-earned money, as they seem to readily reject claims with flimsy excuses. Don't fall for their misleading marketing like I did. Stay away from HDFC ERGO!
After diligently meeting the step count requirement for the entire period, my policy was abruptly terminated without a valid reason or proper explanation. I, along with what appears to be thousands of others, have been left high and dry. HDFC ERGO rejected my claim, citing vague, system-generated reasons that lacked any substance. It's clear they never intended to honor their commitment.
I strongly advise against purchasing any insurance product from HDFC ERGO. This experience has shown me that they are untrustworthy and operate with deceptive practices. You risk losing your hard-earned money, as they seem to readily reject claims with flimsy excuses. Don't fall for their misleading marketing like I did. Stay away from HDFC ERGO!
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