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Submit your complaint →Web Developer Jwala Baheliya has accused Aditya Birla Health Insurance and PolicyBazaar of wrongfully cancelling her father’s policy despite full disclosure of pre-existing conditions. The issue caused major emotional distress and a loss of trust in health insurers. Read the full complaint, applicable legal actions, and how Choice4Voice.com can assist consumers in similar cases.
Complaint Summary : Jwala Baheliya vs Aditya Birla Health Insurance & PolicyBazaar – Wrongful Policy Cancellation After Full Disclosure
| Complainant Name | Jwala Baheliya |
|---|---|
| Profession | Web Developer at Bombay Design Centre |
| Company Accused | Aditya Birla Health Insurance & PolicyBazaar |
| Policy Number | 31-24-0043890-01 |
| Complaint Type | Wrongful cancellation of health insurance policy |
| Complaint Filed To | IRDAI (Complaint No. 11-25-001194) |
| Allegation | False “non-disclosure” claim despite full medical disclosure |
| Loss/Impact | Denial of insurance support during medical emergency |
| Complainant’s Statement | “Despite disclosing all medical details, Aditya Birla Health Insurance cancelled my father’s policy on false grounds. Due to negligence and delay, my father is no longer with us.” |
| Current Status | Complaint filed with IRDAI and awaiting response |
Full Complaint Report
Background
Jwala Baheliya, a Web Developer at Bombay Design Centre, purchased a health insurance policy for her father from Aditya Birla Health Insurance via PolicyBazaar. During the proposal stage, she declared all existing medical conditions, including Diabetes and Blood Pressure, ensuring full transparency.
The Issue
Despite clear and honest disclosure, the insurer wrongfully cancelled the policy under the pretext of “non-disclosure of pre-existing conditions.” This cancellation came at a crucial time when the policyholder’s health deteriorated, and the family needed immediate medical support.
Unfortunately, due to delays and denial from the insurer, Jwala lost her father an irreversible loss compounded by the lack of empathy and responsibility shown by the insurance company and its partner platform.
Complaint Filed
Jwala has officially filed a grievance with the Insurance Regulatory and Development Authority of India (IRDAI) under Complaint No. 11-25-001194, seeking justice and accountability from both Aditya Birla Health Insurance and PolicyBazaar.
She also shared her experience publicly on LinkedIn to warn others against relying blindly on third-party intermediaries when buying insurance.
Emotional & Financial Impact
This incident has led to emotional trauma and complete loss of faith in the promise of digital insurance convenience. What was meant to provide peace of mind ended in tragedy a clear case of negligence, unethical conduct, and breach of consumer trust.
Brand History & Contact Details
Aditya Birla Health Insurance
- Parent Group: Aditya Birla Capital Limited
- Founded: 2015
- Headquarters: Mumbai, Maharashtra, India
- Customer Support Email: care.healthinsurance@adityabirlacapital.com
PolicyBazaar
- Founded: 2008
- Headquarters: Gurgaon, Haryana, India
- Customer Support Email: care@policybazaar.com
Legal Case Can Be Filed
Based on the facts, the following legal actions may apply:
| Applicable Legal Case | Authority/Department | Purpose |
|---|---|---|
| Consumer Complaint for Deficiency in Service | District/State Consumer Forum | For cancellation without valid reason and lack of support |
| FIR for Negligence Leading to Loss | Local Police Station | For mental harassment and negligence |
| Complaint to IRDAI Grievance Cell | IRDAI Integrated Grievance Management System (IGMS) | For regulatory intervention and refund |
| Case under Insurance Act, 1938 | IRDAI | To investigate wrongful policy termination |
| Civil Damages Suit | Civil Court | For compensation due to denial of rightful claim |
How Choice4Voice.com Can Help
Choice4Voice.com empowers consumers like Jwala Baheliya who face injustice from large corporations.
Here’s how we assist:
- Review and verify your case details and documents.
- Publish your complaint publicly to create awareness and brand accountability.
- Tag company officials, regulatory bodies, and media outlets for faster response.
- Provide pre-drafted complaint templates for FIR, IRDAI, and Consumer Forum filings.
- Help you escalate your issue through legal and social channels.
You can submit your complaint directly via our platform at Choice4Voice.com
Step-by-Step: How to File a Complaint
- Collect all documents (policy copy, cancellation email, and medical disclosure form).
- Visit IRDAI Grievance Portal: https://igms.irda.gov.in.
- Select “Health Insurance” and fill in policy details.
- Attach supporting documents proving prior disclosure of medical conditions.
- Submit your complaint and note down the complaint reference number.
- If unresolved within 30 days, file a complaint in Consumer Court.
Pre-Drafted Complaint Email Template (IRDAI)
Subject: Urgent – Wrongful Policy Cancellation by Aditya Birla Health Insurance
Dear IRDAI Grievance Officer,
I am writing to raise a grievance against Aditya Birla Health Insurance for wrongful cancellation of my father’s health policy (Policy No. 31-24-0043890-01) despite full medical disclosure. This action caused severe distress and loss.
Please investigate the matter and direct the insurer to restore or refund the amount immediately.
Regards,
[Your Name]
[Your Contact Details]
Author
Jwala Baheliya is a Web Developer at Bombay Design Centre with a professional background in digital technology and design. She recently faced a tragic personal experience after Aditya Birla Health Insurance and PolicyBazaar cancelled her father’s health policy despite complete transparency. Her case serves as a strong reminder of the need for accountability in India’s health insurance sector.
Frequently Asked Questions (FAQs)
1. Can an insurance company cancel a policy after full disclosure?
No. If all health details were disclosed, cancellation on “non-disclosure” grounds is legally invalid.
2. What are my rights if my health policy is wrongfully cancelled?
You can approach IRDAI, Consumer Forum, and even file a civil case for compensation.
3. What is the IRDAI complaint number format?
It typically starts with a numeric code like “11-25-001194.”
4. How long does IRDAI take to respond?
Generally within 30 days, depending on case complexity.
5. Can PolicyBazaar be held liable?
Yes, if they were the intermediary during policy issuance and failed to provide proper assistance.
6. What documents are needed to file a case?
Policy copy, communication records, disclosure forms, and complaint reference.
7. What compensation can be claimed?
Financial refund, interest, and damages for emotional distress.
8. What is the Consumer Protection Act 2019 relevance here?
It allows consumers to claim damages for deficiency in service and unfair trade practices.
9. How can Choice4Voice.com help in such cases?
By publicizing the issue, drafting complaints, and assisting in legal escalation.
10. What is the role of IRDAI?
IRDAI regulates all insurance companies and ensures consumer rights are protected.
11. Can a deceased policyholder’s family file a complaint?
Yes, immediate family members can file the complaint.
12. Is there a time limit for filing an insurance complaint?
Usually within 2 years from the date of incident.
13. Can FIR be filed against an insurance company?
Yes, if there’s evidence of negligence or fraudulent intent.
14. Is PolicyBazaar responsible for claim settlement?
They act as intermediaries, but must facilitate redressal if sold via their platform.
15. How to check policy cancellation reason officially?
Request written clarification from the insurer citing IRDAI guidelines.
16. How to escalate an unresolved IRDAI complaint?
You can write to the Insurance Ombudsman in your region.
17. Can social media complaints help?
Yes, they create public pressure and drive faster resolutions.
18. What if the insurer doesn’t respond at all?
Approach Consumer Forum and seek legal remedy under CPC.
19. How to get legal drafting help?
Choice4Voice.com provides pre-drafted templates and free legal guidance.
20. What are IRDAI penalties for wrongful cancellation?
The insurer may face fines, reputation loss, and directive orders to compensate consumers.
