Bidyut Biswas, Founder of Frillco International and a seasoned global trade consultant, has accused Tata AIG and Axis Bank of failing to issue his health insurance policy 19 days after payment. Choice4Voice.com brings attention to this alarming customer grievance involving mental harassment and total negligence.
Complaint Summary Table
| Complainant Name | Bidyut Biswas |
|---|---|
| Position | Founder – Frillco International & CEO – Frillco Services |
| Policy Provider | Tata AIG General Insurance Company Limited |
| Sales Partner | Axis Bank |
| Policy Number | 7000264890 |
| Payment Date | 14 July 2025 |
| Issue Raised | Policy not issued even after 19 days of payment |
| Follow-Up Outcome | Repeated delays with scripted responses; no resolution |
| Current Status | No policy documents, no coverage, no support |
| Threat of Escalation | IRDAI complaint, legal action, and public exposure |
| Original Source | LinkedIn post by Bidyut Biswas |
Tata AIG & Axis Bank Face Backlash Over Delayed Policy Issuance
In a strongly worded public statement, Bidyut Biswas, a verified professional and the Founder of Frillco International, has raised serious concerns against Tata AIG and Axis Bank. According to his LinkedIn post, despite paying for a health insurance policy on 14th July 2025, he has still not received any policy documentation as of 2nd August a delay of 19 days.
The Allegation:
- The health insurance policy was sold by Axis Bank but underwritten by Tata AIG General Insurance Company Limited.
- Despite multiple follow-ups, Bidyut received only scripted responses stating, “Our team will contact you within 24–48 hours.”
- None of these promises were fulfilled, and no policy has been issued till date.
- The delay has caused mental harassment and uncertainty, as the customer remains uninsured even after full payment.
Key Issues Raised by the Customer
Bidyut Biswas listed several serious concerns in his public complaint:
- Complete Lack of Coverage: Even after full payment, he has not received any confirmation or health insurance coverage.
- Repeated Excuses: All follow-ups led to the same templated reply without any real action.
- Negligence by Both Parties: Neither Tata AIG nor Axis Bank has taken accountability for the delay.
- Mental Harassment: The customer is left anxious about possible medical emergencies without coverage.
- No Transparency: No one from either company has made any real effort to resolve the issue.
Urgent Questions Raised in the Public Complaint
Bidyut’s post raises some critical questions that demand industry-wide attention:
- What if a medical emergency occurs during this gap period?
- Who is responsible for the financial risk faced by the customer?
- Why is there no accountability from either the insurance provider or the sales partner?
Consumer Protection: What Should Happen Next?
A case like this highlights growing gaps in insurance sector accountability, especially when policies are sold through third-party partners like banks. Here’s what Tata AIG and Axis Bank must do immediately:
Immediate Action Required
- Issue the policy instantly or provide a complete refund.
- Publicly acknowledge the delay and extend policy coverage from the original payment date.
- Offer an apology and compensate for the mental distress caused.
- Improve coordination between Axis Bank and Tata AIG’s operations teams.
What Every Policyholder Must Learn from This Case
If you’re planning to buy insurance through a bank or intermediary, remember:
🔍 Checklist Before and After Insurance Purchase:
| Step | Action Required |
|---|---|
| Confirm insurer name | Check whether it’s the bank or a third-party insurer (like Tata AIG) |
| Ask for immediate policy documents | Do not wait for “processing” messages beyond 24–48 hours |
| Record communication | Save emails, screenshots, and calls in case of escalation |
| Raise complaint early | Contact IRDAI or consumer redressal forums if no action within a reasonable period |
Bidyut Biswas’s Final Warning to Tata AIG & Axis Bank
In his post, Bidyut has given 8 hours for Tata AIG and Axis Bank to act. If the policy is still not issued:
- He will file a formal complaint with IRDAI (Insurance Regulatory and Development Authority of India).
- He plans to initiate legal action.
- The matter will be escalated publicly across platforms to warn other consumers.
This case sets a strong precedent in highlighting the negligence that still exists in the health insurance sector, even when policies are purchased from top financial institutions.
Choice4Voice.com: Your Platform to Expose Unfair Practices
This article has been published by Choice4Voice.com, India’s leading platform for consumer rights and corporate accountability.
We publish real consumer stories like Bidyut Biswas’s to ensure:
- Public pressure holds big brands accountable.
- Other consumers are warned of similar issues.
- Help is available for people who have been ignored by customer care.
👉 If you’re facing a similar problem with any company, submit your complaint now at www.Choice4Voice.com we’ll help you make your voice heard.
Disclaimer:
This article is based on a public complaint posted by Bidyut Biswas on LinkedIn. All facts are derived from his post. Choice4Voice.com stands for transparent reporting and consumer rights.
