Zopper and HDFC Ergo’s “India Gets Moving” Campaign Faces Backlash Over Cashback Denials
The “India Gets Moving” campaign, launched by Zopper in collaboration with HDFC Ergo, has come under scrutiny following multiple reports from participants claiming their cashback requests were unfairly denied. The initiative, which aimed to promote an active lifestyle by offering 100% cashback on an Apple Watch purchase for users who met specific fitness targets, has now become a source of frustration for many customers.
Campaign Overview
Launched in November 2024, the campaign encouraged participants to maintain an active lifestyle by walking 15,000 steps daily, tracking activity using an Apple Watch, accumulating points, and submitting a claim upon successful completion. The program was positioned as a health-focused incentive aimed at motivating users to stay committed to their fitness goals.
Controversy and Consumer Complaints
Despite fulfilling the required step count, numerous users reported that their claims were rejected without clear justification. HDFC Ergo responded by citing the detection of “unusual and suspicious data,” alleging that some participants had manipulated their step counts through methods such as:
Handing over their Apple Watch to another individual.
Using external tools to artificially inflate step counts.
Affected users, however, maintain that they accurately tracked their steps, used GPS monitoring, and even provided supplementary health data to validate their claims. The lack of clear communication and justification from HDFC Ergo has raised concerns about the transparency and credibility of the program.
Escalation and Policy Cancellations
Further intensifying consumer grievances, some participants also reported that their insurance policies with HDFC Ergo were canceled following claim denials. In a statement to Moneycontrol, HDFC Ergo clarified:
“In the case of certain individuals, we came across unusual and suspicious data. Upon conducting a thorough investigation, it was found that there had been manipulation of data by certain participants, which violates the terms and conditions of the program. As a result, we have been constrained to terminate the policies of certain participants. Similarly, claims of participants where no manipulation was found have been honored.”
This response, however, has not alleviated concerns among affected participants, with many calling for greater transparency and an independent review of the claims process.
Key Takeaways for Consumers
To avoid similar issues in future promotional campaigns, consumers should take the following precautions:
✅ Review Terms and Conditions: Thoroughly read the fine print before participating in cashback or reward programs.
✅ Assess Company Credibility: Research past promotions and customer reviews to gauge the reliability of a company’s offers.
✅ Document Progress: Maintain detailed records of activity, including screenshots, GPS logs, and step count history, to provide supporting evidence in case of disputes.
✅ Exercise Caution with Large Purchases: Avoid making high-value purchases solely based on cashback offers, as terms may be subject to change or stringent enforcement.
As dissatisfaction grows, affected consumers are calling for a fair and transparent resolution to their claims. The incident serves as a cautionary tale about the importance of clear policies, fair enforcement, and consumer awareness in promotional campaigns.
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