Mis-selling health insurance policies is quite common in the market. There are thousands of people that face similar problems. Brokers do all the promises in the world to sell you an insurance policy after which they hardly even show their faces!

If you are someone who is planning to get an insurance policy. Then this article is only for you. In this article, we will see 5 things that you should check before buying health insurance in India.

5 Things to check before Health insurance policies in India

Let’s take a look at the 10 things before taking Health Insurance Policies:

The Age Criteria

When it comes to health insurance, age is one of the biggest factors to check. While buying health insurance keep in mind the age of the people who are insured in the policy.

In a family floater policy, The premium cost would be determined by the age of the eldest family member.

When purchasing health insurance, you can also consider the age limit criterion. For example, certain insurance plans have a minimum age requirement of 91 days and a maximum age requirement of up to 60 years.

There are also proposals for a minimum age limit of 25 years and a maximum age limit of 50 years. There are some plans, however, that do not have any age limits. As a result, you have the choice of making the appropriate decision.

The Right Combination of Premium and Coverage

Buying health insurance with the lowest premium can be lucrative. However, there are two sides to any story. A policy with a lower premium can be beneficial if it offers extensive coverage at a premium you can afford. The other benefit is a lower premium for insurance coverage.

Thus, the safest way is to investigate the explanations for a lower premium, which does not come at the expense of insurance coverage. Check to see if there are any additional co-payment, deductible, or sub-limit provisions; if there are, you will end up paying more at the time of claim.

The Waiting Period Clause

You would be in a better position to make a decision if you are mindful of the waiting period clause. During this time, the insurer would not consider any claims resulting from pre-existing conditions or specific illnesses.

And it will last anywhere between 24 and 48 months, depending on the insurer and the package you choose. Furthermore, you will be entitled to seek benefits only after this time span has passed.

This waiting period would extend to any pre-existing conditions such as thyroid disease, high blood pressure, diabetes, and so on that, a person might have until purchasing the policy. It also applies to various treatments and diseases such as arthritis, varicose veins, cataracts, and so on.

As a result, you can compare and pick a package that has a short waiting time before you can receive benefits in the event of a medical emergency.

Claim Process

You should Examine the policy’s terms and conditions, as well as the insurance company’s health insurance claim procedure. When it comes to settling health disputes, a smooth claim process is a lifesaver.

You may do some research, read online consumer feedback, and choose a health insurance company with a reputation for fast claim settlement.

Coverage of Maternity Expenses

Many people make the mistake of ignoring the maternity benefits of their health insurance program. With the cost of delivery and prenatal care now at an all-time high, it’s a good idea to invest in a health plan that includes maternity coverage. Usually, there is a 2- to 4-year waiting period before you can seek benefits.

For example, if you want to get married or start a family in three years, a plan with a two-year waiting period would suffice.

Choose a package that, in addition to the delivery fee, covers the medical costs of a newborn infant. Often, don’t forget to look at the constraints that come with it.

The Conclusion
Congratulations you are safe now! Now that you are aware of the things to check before buying health insurance in India make sure that you don’t get yourself into fraud and get missold by a broker!

If you are looking for a solution to a health insurance complaint then file a complaint at Voxya an online consumer complaint forum to resolve your complaints quickly. It helps consumers to get a replacement, refund and compensation as soon as possible. Voxya an online consumer forum trusted by 76,000+ consumers across India.

If you have ever bought used products online, then there is a very high chance that you are already familiar with the variety of Olx scams going on. A platform created to buy or sell used products online has become a hub for online scams.

So If you are someone who unluckily got into a trap and had losses then don’t worry you are at the right place. In this article we will take a look at the following topics:

• Popular ways fraudsters are using to scam people.
• How to stay safe on OLX or from Olx scams
• How to resolve OLX scams if you got into one

Half of the problems can be solved just by staying conscious of what exactly you are doing. If you are aware of the right way to use a platform and the ways these fraudsters use to scam people then there is a very high chance that you will never get into these scams.

How people on OLX get scammed:

Fraudsters are always in search of new ways to scam people but here is a list of some of the most popular ways used by them:

Posing as defense personal: There are hundreds of complaints where the buyer or the seller claimed to be a defense personal and showcased fake ID proofs to gain trust. Lastly, they either asked for advance payments and never replied to the messages or used QR codes to cheat people.

QR code scams: Here people send QR codes claiming to give advance payments and ask the other person to scan a QR code in order to receive the payments but instead of crediting the amount, the amount gets debited.

OTP Scams: There are many cases reported where the fraudsters will first send a small amount of Rs.5 or Rs.10 to you to win your trust. Then they will send you a similar-looking request, which is in fact a payment collection request, and as soon as you share the OTP you will lose money. They will tell you that OTP is required to transfer a bigger amount in OLX.

Asking for advanced payments: Never pay a stranger online without surety. There could be a big chance that they will stop responding to your calls and messages once they receive the advance amount.

There could be hundreds of ways that these fraudsters are using but just knowing the basics will keep you safe. But there are people who wish to buy a used product online and just because there are scams going on doesn’t mean you will stop using OLX.

How to safely use OLX:

If you still wish to buy a used product online and shop from OLX then there are some rules that you always check before using the platform. Some of the most important regulations that you should use:

Prefer a physical meeting with the buyer/seller and exchange your product with money. Use safe public places to meet any stranger.

Avoid partial payments and pay only when you are fully sure of something. Be aware of the payment scams going on. A few of the payment scams were mentioned above in this article.

Check for the buyer’s/seller information on the internet, don’t randomly decide to buy from any person just because you are getting a good offer, it can be a trap.

Don’t get into the trap of offers that are too good to be true. If something looks fishy avoid it.

How to resolve OLX scams if you got into one:

No one knows when things will go bad, and if you unluckily got trapped into OLX scams then don’t worry we will tell you the possible ways to get out of it:

Option 1: Reach out to OLX

If you have got scammed then you should report the ad or the seller to OLX. Report the ad or the seller on the app or on the website. You should also consider writing an e-mail to safety@olx.in or call them on 9999140999.

Option 2: Send Legal Notice to OLX

Sometimes even after reporting a Seller or Ad, you will not get any help from OLX. In all those cases, you can start a social media campaign against OLX and can tweet on social media. If you still do not get any results then your best choice is to send a professionally drafted Legal Notice to OLX asking them to fix the issue, or you will sue them in court.

You may hire any professional advocate or lawyer on your behalf to draft & send this legal notice to the company. You can easily get an accomplished lawyer who will charge between Rs.3500 to Rs.8000 for legal notice on his letterhead. But if you are unable to find a competent lawyer in your budget then you can use Voxya to send the Legal Notice for just Rs.899 only.

Option 3: Reach out to the nearest legal authority

Because of the higher cyber crimes, all the police stations have cyber cells to catch the cybercriminals. You should reach out to the nearest police station and file a complaint.

The legal authorities can help you resolve the complaints and can save you from the losses that you may have to face.

Your savior in consumer complaints:

Voxya is an online consumer complaint forum. It enables the user to file consumer complaints against brands quickly. It helps the user in fighting against fraud and unresponsive customer service. Voxya is known for its quality services at reasonable pricing.

Voxya has handled more than 76,000 consumer complaints till now and consumers have claimed damages of around 2200 crores. This clearly shows the authority of Voxya in consumer complaints. You can resolve Olx scams complaint using Voxya an online consumer complaint platform.

The Final Conclusion!

Congratulations, you are safe now! Now that you know the whole story of the online scammers the probability of you getting scammed is already less now!

But if you have already got scammed then you know what exactly you have to do now. And no that you know the exact procedure, what are you waiting for? Resolve your complaints now!

The Internet is a boon, isn’t it? No matter what problem you may have you will always find some solution on the internet. But when the whole world is hanging out on a network then how come fraudsters or fraudulent websites by behind?

Internet fraud is constantly rising. While some websites are doing malpractices like saving passwords and data leaking, some fraudsters have gone to the next level to take personal information and steal money.

So if you are also someone who does a lot of their tasks on the internet and you don’t want your hard-earned money to vanish into thin air then this article is only for you!

5 tips for avoiding fraudulent websites: Never Get Scammed Again

In this article, we will explore 5 tips for avoiding fraudulent websites so that you never get scammed again. So let’s take a look at the 5 tips:

Offers “Too Good To Believe” Are Scams!

Are you getting an offer that is too good to believe? Huge discounts, cashback, or what not. Getting such offers is a real scam, you may be asked to pay before and the product will never be delivered. So if you see a too exciting offer that is probably a red flag.

Lots of popular eCommerce websites also organize great sales so before buying any product, do your research well and check how trusted these websites are. Also, confirm your website not coming under fraudulent websites.

Voxya has created this list of most fraud e-commerce and fraudulent websites, which have looted people doing various scams. There’s also a list of phone numbers that are constantly reported for e-commerce scams.

Low-Quality Websites are a red flag:

A lot of times, you can actually smell scams! Always check the quality of the websites as most of the time these scammers don’t give attention to the tiny details of the websites.

A lot of websites look like scams on the first look itself. So before purchasing anything just do thorough research on the website and check how the quality of the website is. If you think that the quality isn’t great then it’s a red flag.

Voxya’s list mentioned above contains a list of eCommerce brands that have looted people. If you want to stay safe just check for the list and see if the website that you are buying from is there on the list or not.

If it’s there on the list, it’s definitely a scam but even if it’s not there you still should check all the parameters that we are listing here.

Check Owner’s Information and the Contact Details:

Most of the time these fraud websites never display their correct contact information and the name of the owner is always hidden so while buying from an unknown website always check if they have a legit contact option.

Also, check for the owner of the website for once. If you can’t find the owner then this can be a red flag as they are using a proxy to protect themselves.

While buying from unknown websites always check if a cash-on-delivery option is available or not and for the first few purchases prefer using that option only. Pay upfront money to only those websites on which you trust and are sure that they are not scams.

Social media check is important:

You are probably not the first customer of a website! People around the world or your country must have used the product before. Before buying a product always check the product and the website reviews on various social media platforms.

People always create reviews on YouTube and a lot of people add complaints on Twitter. If you research well you will find something useful.

If there are more bad reviews than the good ones then probably it’s not a good place to do shopping from and is a big red flag.

So before you buy any product from any website, checking social media websites for reviews is a must!

Check Voxya for company reviews:

Voxya deals with thousands of consumer complaints hence Voxya is very well acquainted with the reality of the companies.

Before deciding to buy a product from a certain company you can also prefer to read the reviews on Voxya’s websites as thousands of people who have faced difficulties have shared their experiences there.

If you follow all the tips mentioned above you will never be scammed again! So next time you are shopping online keep the 5 tips in mind!

But what to do if you got scammed? Don’t worry Voxys is always there for you!

If you are someone who got scammed by an eCommerce company then read this article: How to resolve e-commerce complaints.

If you don’t want to get into any hassle and want experts to handle your issue then you should definitely check Voxya.

Voxya is an online consumer complaint forum. It enables the user to file consumer complaints against brands quickly. It helps the user in fighting against fraud and unresponsive customer service. Voxya is known for its quality services at reasonable pricing.

Voxya has handled more than 75,000 consumer complaints till now and consumers have claimed damages of around 2200 crores. This shows that when it comes to consumer complaints Voxya leads the game.

The Final Conclusion:

Internet fraud is becoming very common and it’s your duty to be aware and not get scammed by random fraudsters.

Half of the scams can be stopped just by awareness. Keep the 5 tips mentioned above and never get scammed again!

Edit: As per recent update, it appears that Consumer Sathi website is no more in business.

Are you someone who is tired of searching the web for the best consumer complaint website? Don’t worry your wait is over. Consumer complaints can be hectic and it’s the role of the company to give you a smooth ride.

While there are, a plethora of options available at your side, not everyone gives out the best experience. So who is the best when it comes to consumer complaints?

Voxya and Consumer sathi to see, who wins the Game?

So In this article let’s compare Voxya and Consumer Sathi to see, who wins the game?

Here’s what we will talk about:

1. Expertise
2. Transparency
3. Affordability
4. Big Legal Network
5. 360 Degree Resolution Framework
6. Brand Participation

Expertise

Voxya has resolved 63,201 consumer complaints till now and has damages filed of Rs. 22,702,696,538. Voxya has received more than 76,069 complaints till now.

But Consumer sathi is new in the game, They have resolved 36,961 complaints and have received 57,649 complaints to date.

The numbers say that all, Voxya leads the game!

Transparency

Both Voxya and Consumer sathi have listed their testimonials on their website to showcase their client satisfaction.

While Consumer sathi has listed their resolved complaints Voxya has listed almost all of their complaints hiding confidential information.

In this part Voxya has shown the next level of transparency, they are not only showing their best works but are also sharing all of their works.

They have a section where they compare by a company how many cases have been filed yet and how many cases have they resolved yet. In this world, such a level of transparency barely exists.

There are hundreds of testimonials and reviews available on Voxya’s website that Consumer sathi somewhere lacks.

So when it comes to customer satisfaction Voxya clearly wins the game. But something this good must be expensive right? NO!

Affordability:

Affordability is one of the most important factors for a lot of people. So let’s compare these 2 companies, on how affordable they are:

Consumer sathi is not directly disclosing their pricing. You have to complete all of the procedures on their website to know how much will you have to pay.

Voxya:

The best part about Voxya is their fixed pricing. Voxya charges according to the kind of services that you need. There are 4 levels of services that you can choose from. Let’s have a look at the 4 levels of services provided by Voxya:

Start social media campaign: Voxya will start a social media campaign for you and voxya claims to have a success rate of 21% in their social media campaigns. The best part is this is FREE!

Send complaint by E-mail: Voxya will email your complaint to the company you are filing a complaint against. Voxya claims to have a success rate of 28% for such campaigns. The best part is this is also FREE!

Send Notice via registered post: Voxya will send a legal notice to the company you are filing a complaint against. For such campaigns, Voxya has a 67% of success rate. For sending a legal notice, Voxya charges a fixed fee of Rs. 899

Prepare cases for approaching consumer forum: Voxya prepares a case for you for approaching the consumer forum. For preparing cases for approaching consumer forum Voxya charges a fixed fee of Rs. 1499. If you choose this option, Voxya will also send a notice to the company that means that option 3 is already included in this option without any additional charges.

Big Legal Network:

Voxya has a strong network of professional lawyers across the country which helps them provide the quality service they are known for. Having such a huge network of professional lawyers is a big advantage which no one else provides.

Voxya also provides this strong network of lawyers for consulting services. People can have one-on-one consultations with the lawyers on a fixed fee. Having lawyers available anytime you need can be a super advantage.

If you are a lawyer then this can be an amazing opportunity. Lawyers can apply and create an account on Voxya to be a part of that strong professional network.

360 Degree Resolution Framework:

Voxya also has an amazing social and business network which helps them to resolve consumer complaints faster.

You may have heard the famous saying that “your network is your net worth” and this is exactly the case with Voxya. The presence of such strong networks works like a charm.

And this brings me to one of the most important factors.

Brand Participation:

Companies trust Voxya! Many companies have their accounts on Voxya to keep track of the complaints against them and to make sure they regularly resolve them.

This ensures that when you file a consumer complaint against a company using Voxya, your complaint is being seen by the company itself.

Are you someone who was getting trouble finding someone in the company to complain about the product or service?

Well, you have found the way now!

The Final Conclusion:

Now as we have compared both of them on all the important parameters, It’s time to declare a winner!

Who do you think should win the battle? Yeah, it’s not a hard guess!

Because of a strong portfolio of work, high transparency, and customer satisfaction, cheap and fixed pricing, good social and business network, and a strong network of lawyers in India we declare Voxya the winner of today’s battle!