Insurer added 20% co-pay clause at renewal without notice, saidthey emailed me 13 May, I got nothing (checked spam too). Any dvice?
Hi all, looking for advice on a health insurance issue.
My father has a group health policy (Group Care 360°, Care Health Insurance) through Union Bank of India, continuously renewed since 2018 with some claims during 2020-2023.
On this year's renewal (Jul-2026 to Jul-2027), I noticed a new clause added to my Certificate of Insurance: "20% co-payment will be applicable in all claims." This clause did not exist in any previous year's policy document.
I wasn't informed of this change before renewal. When I raised it with the insurer, they said they'd sent an email about it in May, but I never received any such email. No renewal notice, no notification of changed terms, nothing.
I've asked them to remove the co-pay and issue a corrected certificate, but so far I've only gotten a response pointing to this alleged May email.
Questions:
Has anyone successfully gotten a co-pay clause removed/reverted after it was silently added at group policy renewal?
Is there a way to demand proof of delivery (not just "we sent it") for that email?
Since this is a group policy (bank is the Master Policyholder, not me individually) — is IRDAI Ombudsman even the right escalation path, or should pressure go through the bank first?
Any experience with Bima Bharosa (IRDAI grievance portal) for something like this?
Any pointers on process or precedent would help. Thanks in advance.