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UI purchased an Apple Watch Ultra 2 worth ₹90,000 under the HDFC Ergo program, which promised to reimburse the cost of the watch if I achieved a target of 15,000 steps daily for one year. As a sportsperson and a defense aspirant, walking and running are a part of my daily routine, and I consistently achieve 9,000–10,000 steps even without extra effort. With this program, I successfully met the daily target of 15,000+ steps and applied for my first redemption amount of ₹7,500 for the period of 28 November to 28 December.
However, I recently received an email stating that my policy had been terminated without any explanation or proof. They alleged “manipulation” on my part but failed to provide any evidence to support their claim. I have all the necessary proof of my activity and can confidently say that I met all the program requirements. In fact, during my previous use of an Apple Watch (without any such scheme), I consistently recorded over 13,000 steps daily, which demonstrates my ability to meet these targets.
What’s even more concerning is that the terms of the program stated that if any fraud or manipulation were detected, only the specific month’s redemption amount would be denied. Yet, they not only rejected my ₹7,500 claim for one month but terminated my entire year’s eligibility, making the scheme feel like a scam. I purchased this expensive watch solely because of the scheme’s promise, and now I am left feeling deceived.
Initially, they claimed redemptions would be processed within 5–7 business days, which they later extended to 30 days. Now, without justification, they have outright denied my redemption and terminated the program for me entirely. This lack of transparency, accountability, and communication is deeply troubling.
I request guidance on what steps I should take next to address this unfair treatment and recover my rightful claims.
Pls join this group if you’re also a victim of this fraud : [https://chat.whatsapp.com/F5okOZt5Nm09A0DVCz7FjX](https://chat.whatsapp.com/F5okOZt5Nm09A0DVCz7FjX)
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UUnrelated.
More reason to not purchase health insurance in India.
[my previous post on why health insurance is a scam in India](https://www.reddit.com/r/personalfinanceindia/s/lFoBTF3tp5)
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Bunfortunately this offer is exploited by scammers.
There are online devices available on which you can put apple watch and complete daily target
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MIt will manipulate the steps, but corresponding location data is hard to fake. I think apple watch can track routes travelled too.
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PNot if all those permissions are turned off. Many of the participants have turned off all permissions like location, heart rate, etc.
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UThere maybe lot of people who might have got insurance from them but, this is my story.
I applied for a floated policy for my parents with ERGO after doing back and fourth for almost 12 days they returned back with saying that they could not cover my parents because of the pre – existing conditions.
Now, they have every right to deny claims but, wjat I am concerned about is they denied it over a small cyst in liver which even the doctor didn’t pay heed to while doing her biopsy and uterian fiberoid surgery and as a matter of fact she is well and good now post the surgery after 4 years.
My take, they just want to secure very optimal bunch of healthy people and rip them off of their money with exorbitantly high premiums.
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ULawyer here.
Here’s what I’d do (assuming there are multiple others in the same boat as you):
# 1. Collective case with detailed records from all affected individuals. Please provide the following information via a Google Form with (Full name and contact info, invoice, screenshots/records of step data for the claimed period, communication from HDFC Ergo rejecting claims or terminating the policy, etc.
2. Once all details are complied (and assuming you have everyone/majority on board), issue a legal notice by a lawyer on behalf of the group of individuals to HDFC Ergo, all associated retailers, and Apple India. The notice should demand an explanation for the terminations and claim denials, along with reinstatement of the policies and payment of pending redemptions.
3. If the matter is not resolved amicably within 15 days of the notice:
* File a group complaint with the Consumer Disputes Redressal Commission (National or State-level, depending on the collective value of claims).
* Escalate the matter to the Insurance Regulatory and Development Authority of India (IRDAI) for regulatory intervention.
* Further, consider raising awareness through consumer rights platforms, social media, and relevant publications and build pressure.I am also certain there are terms and conditions in the fine print of the offer and the policy, that dictate and define successful redemption. I’ll need some time to go through them and advise further.
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UNow in my here app, I didn’t see the INDIA GETS MOVING option. What should I do now? Can anyone help me with email where I can report this and get an answer , and procedures to complaint against them if they are scammers.
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UThe most of the indian people are JUGADU and they do not play game with fair rules so this was expected. I have seen so many people exploiting some loopholes and increase their step counts without doing anything at all so this was expected. After all the offer was too good to be true from the beginning.
It is about time if someone has received any claimed amount from HDFC ERGO and puts here the details otherwise this will consider a big scam with a magnitude of INR 10 lakh crore or even more.
In any genuine case, I would recommend someone to go to court and see what happens. This is going to have some echo for a while for sure….
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U🚨 Attention: Victims of the HDFC Ergo Apple Watch Scam 🚨
If you have been affected by HDFC Ergo’s Apple Watch scheme, where promised cashback on EMIs is now being unfairly denied, DO NOT STAY SILENT
We are a team of lawyers based in Delhi, and we are taking up this case pro bono (FREE OF COST) to file a class action lawsuit against HDFC Ergo. Our goal is to ensure that every affected individual gets the justice they deserve.
📢 Next Steps:
Join our dedicated WhatsApp group, where all victims of this scheme can come together to coordinate legal action.
🔗https://chat.whatsapp.com/Drl6n3mkUB55FnYPmWLPRj
By standing together, we can hold them accountable. Spread the word and share this with others affected!
— Team LegalUP
🌐 [www.legalup.in](http://www.legalup.in)
-
U🚨 Attention: Victims of the HDFC Ergo Apple Watch Scam 🚨
If you have been affected by HDFC Ergo’s Apple Watch scheme, where promised cashback on EMIs is now being unfairly denied, DO NOT STAY SILENT
We are a team of lawyers based in Delhi, and we are taking up this case pro bono (FREE OF COST) to file a class action lawsuit against HDFC Ergo. Our goal is to ensure that every affected individual gets the justice they deserve.
📢 Next Steps:
Join our dedicated WhatsApp group, where all victims of this scheme can come together to coordinate legal action.
🔗 [https://chat.whatsapp.com/Drl6n3mkUB55FnYPmWLPRj](https://chat.whatsapp.com/Drl6n3mkUB55FnYPmWLPRj)
By standing together, we can hold them accountable. Spread the word and share this with others affected!
— Team LegalUP
🌐 [www.legalup.in](http://www.legalup.in)
-
U🚨 Attention: Victims of the HDFC Ergo Apple Watch Scam 🚨
If you have been affected by HDFC Ergo’s Apple Watch scheme, where promised cashback on EMIs is now being unfairly denied, DO NOT STAY SILENT
We are a team of lawyers based in Delhi, and we are taking up this case pro bono (FREE OF COST) to file a class action lawsuit against HDFC Ergo. Our goal is to ensure that every affected individual gets the justice they deserve.
📢 Next Steps:
Join our dedicated WhatsApp group, where all victims of this scheme can come together to coordinate legal action.
🔗 [https://chat.whatsapp.com/Drl6n3mkUB55FnYPmWLPRj](https://chat.whatsapp.com/Drl6n3mkUB55FnYPmWLPRj)
By standing together, we can hold them accountable. Spread the word and share this with others affected!
— Team LegalUP
🌐 [www.legalup.in](http://www.legalup.in)
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