Chandra Kant Dhondiyal, Team Lead at Allianz, raises a complaint against Future Generali India Insurance for rejecting his approved cashless LASIK claim.
Note: If this issue is resolved, the concerned brand (Future Generali India Insurance) or the complainant (Chandra Kant Dhondiyal) may contact us at support@choice4voice.com. After proper verification, we will update this article as “Resolved” or delete it for fairness to both parties.
Complaint Summary : Future Generali Insurance Complaint – Cashless LASIK Claim by Chandra Kant Dhondiyal
| Complainant Name | Chandra Kant Dhondiyal |
|---|---|
| Position & Company | Team Lead @ Allianz |
| Alma Mater | Narsee Monjee Institute of Management Studies (NMIMS) |
| Complaint Against | Future Generali India Insurance (Generali Central Life Insurance) |
| Claim ID | FGH-2502256 |
| Issue | Cashless LASIK eye surgery claim rejected after initial approval |
| Claim Amount | ₹1.45 Lakh |
| Date of Complaint | August 2025 (via LinkedIn Post) |
| LinkedIn Post Link | Click Here |
About the Author
Name: Chandra Kant Dhondiyal
Position: Team Lead at Allianz
Education: Alumni of Narsee Monjee Institute of Management Studies (NMIMS)
Original LinkedIn Complaint
Chandra Kant Dhondiyal shared his concern on LinkedIn regarding a rejected cashless LASIK claim with Future Generali India Insurance despite prior written approval. His post directly addressed Mr. Anup Rau, MD & CEO of Future Generali, highlighting how the rejection after surgery caused financial stress and raised ethical concerns.
Detailed Complaint Write-up
Health insurance is meant to provide financial relief during medical procedures, but in this case, it turned into a nightmare for the consumer.
- Approval Received: The complainant was given written and email confirmation by Mr. Vikas Chaurasia (Future Generali team) that his LASIK surgery expenses would be covered under cashless facility.
- Procedure Underwent: Based on this assurance, he went ahead with the surgery.
- Claim Rejected Post-Surgery: Shockingly, once the procedure was done, the claim was denied, leaving him with a financial burden of ₹1.45 lakh.
Such practices raise critical concerns about:
- The transparency of claim approvals.
- Ethical handling of consumer trust.
- The credibility of insurance commitments.
Chandra Kant Dhondiyal has appealed to Future Generali leadership to:
- Investigate this case thoroughly.
- Ensure that approvals remain binding.
- Implement stricter checks to avoid misleading customers.
This case highlights the gap between promises and delivery in India’s insurance sector, reminding both consumers and companies that accountability is non-negotiable.
Frequently Asked Questions (Q&A)
Q1: Who is the complainant in this case?
A1: The complainant is Chandra Kant Dhondiyal, Team Lead at Allianz and NMIMS alumni.
Q2: Which insurance company is involved in this complaint?
A2: Future Generali India Insurance (Generali Central Life Insurance).
Q3: What is the complaint about?
A3: A cashless LASIK eye surgery claim was rejected after prior written approval.
Q4: How much is the claim amount in dispute?
A4: The claim amount is ₹1.45 lakh.
Q5: What is the claim ID of this case?
A5: Claim ID is FGH-2502256.
Q6: Who was the company representative mentioned in the complaint?
A6: Mr. Vikas Chaurasia from Future Generali’s team.
Q7: Who was the complaint addressed to?
A7: Mr. Anup Rau, MD & CEO of Future Generali India Insurance.
Q8: Why was the complaint shared publicly?
A8: Due to lack of response and resolution through private communication, it was shared on LinkedIn.
Q9: Why is this case significant for consumers?
A9: It highlights how insurance approvals can turn unreliable, impacting trust and financial security.
Q10: Can LASIK eye surgery be covered under insurance in India?
A10: Yes, depending on the policy terms, but approval and reimbursement vary across insurers.
Q11: What steps has the complainant requested?
A11: A thorough investigation, binding approvals, and stricter internal checks.
Q12: How do such complaints affect the reputation of insurance companies?
A12: Public complaints harm credibility, brand trust, and customer retention.
Q13: What should consumers do if their cashless claim is rejected?
A13: Escalate to grievance redressal, insurance ombudsman, and platforms like Choice4Voice.com.
Q14: How can companies prevent such disputes?
A14: By ensuring transparent approvals and maintaining accountability in communication.
Q15: What recourse does a consumer have against insurance fraud?
A15: Filing with IRDAI, Consumer Court, or seeking mediation through advocacy platforms.
Q16: Why is this complaint trending on LinkedIn?
A16: Because it highlights a real-world case of alleged insurance malpractice, resonating with many professionals.
Q17: Does IRDAI monitor such issues?
A17: Yes, IRDAI oversees insurers and consumers can file formal grievances with them.
Q18: Can Choice4Voice.com help in such disputes?
A18: Yes, we highlight consumer complaints online to ensure visibility and faster resolutions.
Q19: Why do consumers prefer raising complaints publicly now?
A19: Because public visibility pressures companies to respond quickly.
Q20: How can other consumers share their issues with Choice4Voice.com?
A20: By writing a LinkedIn post and tagging our official page, or submitting directly here.
How Choice4Voice.com Helps Consumers
At Choice4Voice.com, we ensure that genuine consumer complaints are not ignored. By publishing cases with proper visibility, we bring accountability to brands and companies.
- If you face similar issues, write a LinkedIn post and tag our official page. Our team will feature your case on our website.
- You can also directly submit your complaint via our form: Submit Your Complaint.
In today’s time, when customer voices are often overlooked, Choice4Voice.com acts as a strong advocacy platform to make sure companies listen and act responsibly.
