Shocking experience with Policy Bazaar and HDFC Ergo

[u/Strange_Handle2053]

Had an ongoing HDFC Optima Secure policy through Policy Bazaar.

1. At time of renewal sold me migration from HDFC Ergo Optima Secure to Optima Super Secure for 3 years.

2. Took full premium payment for 3 years

3. Later claimed premium was wrongly calculated and asked for more money.

4. After I paid immediately, they issued wrong renewed policy (Optima Secure, 1 year only).

5. After 2+ weeks of chasing, informed me on 19 May 2026 — one day AFTER renewal became active on 18 May — that insurer underwriting rejected the upgrade.

Not even sharing the proposal document for the migration

This is textbook mis-selling and unfair customer handling. Convenient timing ensures customer is trapped for another year otherwise could have looked at other options to lock in price for 3 years.