Office forcing to buy insurance

1) A company can not force you to buy particular policy without ur consent.

2) U first read terms of ur appointment i.e. TOR for ur appointment. Whether they have specified that u must purchase the policy as per company explain to u. If u have agreed to the same then u have no solution.

3) iF NO SUCH CONDITION THEN U CAN GET THAT AMOUNT BACK FROM COMPANY..

Thanks

The bone of contention is:

"

 In case you do not provide your re-confirmation to include your parents in reply to this email, we will consider them as to be included in the plan.

"

Your only defence is:

" "As of now i do not have any documents,plz discuss in person to clarify your doubts".

Apply your skills to resolve while in employment.

In future try to send clear messages on acceptance/declinature and in time.

@ Bharat,

Thanks for you reply. I have checked the terms of appointment, and there is no such clause.
They are refusing to refund because they automatically enrolled me when idid not reply back in 24 hours.

Is it legal to say to a person that we will enroll you if you dont reply in 24 hours ?

@Kumar Doab,

You are right, that is point of contention.

I think they are going to tell me that they have already paid the full amount of this year to the insurance company on my behalf and now they are simply taking it in instalment from my salary.

Is that a valid excuse ? Is it the case that if company has paid full amount of insurance for the next one year then it cannot be refunded ?

Additionally, if the insurance company will not refund the amount of my employer, then i think that should be company's liability. They should have checked all these things while entering into an agreement with this insurance company. Even if the insurer is not refunding my company, i should still be refunded by my employer.

What are your thoughts ?

Apply your skills to resolve while in employment.

Build  a favorable written record.

Yes, you;re right. I'll have to use subtle skills in resolving this. But if you can help me understand the legal nature of such a situation, I'll be better equipped.

Harp on deemed acceptance in 24 hrs..................and that NO insurance document (implying T&C) was supplied to you.

Write that in future don't send any communication on deemed acceptance.

Avoid quoting legalities for the time being.

In future try to send clear messages on acceptance/declinature and in time.

Apply your skills to resolve while in employment.

Build  a favorable written record.

Update: I met the HR today and she said the following:

"Our company was able to negotiate a Corporate plan for insurance of employees based on a commitment of buying insurance for a minimum number of employees. If employees starting opting out, we will not be able to provide this facility to the other employees.

The only way to refund your money is if I cancel the current contract with the insurer. This will cause a cancellation for all other employees also. Therefore i cannot do this. The only way out of this is when an employee leaves the company, then a pro rata refund is given."


What should i do now ?
It is true that initially when they had asked who all are interested, i had given my name. But i NEVER confirmed. In fact, they never provided documents on the basis of which i could make my decision.

In myopinion, if my company did not negotiate a clause of opting out in between, this is not my problem. They should pay me back from their own pocket.

But first of all, enrolling me itself was forceful and without giving documents and on the basis on "deemed" acceptance.

It seems to me to be cheating and fraud.

But i dont know the legal status of this situation. Can anybody guide me here in detail ?

You have posted that;

"But i NEVER confirmed. In fact, they never provided documents on the basis of which i could make my decision.'

You may minute the meeting and conclude as above and build your further deliberations on it, under proper acknowledgment.

Remain gentle and amiable, while in employment.