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UHi everyone,
I need legal advice regarding a term insurance policy I purchased from Bajaj Life Insurance through an offline agent.
At the time of purchase, I clearly asked for a Critical Illness rider covering 60 illnesses. The proposal form did not mention the number of illnesses, so I specifically asked the agent to share the list. She shared the list of 60 illnesses and confirmed that my policy would include the same. I also have call recordings and screenshots as proof.
After medical tests and policy issuance, I checked the policy bond and found that only 10 illnesses were included instead of 60. The policy itself shows options for 10, 25, and 60 illnesses.
When I raised this, the agent gave vague explanations saying it might have changed after medicals, which was never communicated to me. I then raised a complaint with Bajaj, but they rejected it saying I signed the proposal form. However, the proposal form does not mention the number of illnesses, so I never consented to 10 illnesses.
Now they are asking me to cancel under the free look period, but with deductions for medical and other charges. This feels completely unfair since the mistake is due to mis-selling by their agent.
I have full proof including:
– Call recordings
– WhatsApp chats
– Policy document
– Proposal form
My questions:
1. Is this a strong case of mis-selling legally
2. Can I demand full refund without any deductions
3. Should I go to IRDAI, Ombudsman, or consumer court directly
4. Do call recordings hold legal value in such cases
5. Has anyone successfully handled a similar situation
Would really appreciate guidance on how to proceed and what my strongest legal option is.
Thanks in advance
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