ICICI Lombard Complaints & Reviews

I had taken out a health insurance policy with ICICI Lombard last year, policy no. 4063i/HAP/W[protected]/00/000. The sum assured is Rs 3 lakhs and the premium paid was Rs 15000. I am surprised and shocked to receive a renewal notice for the above policy asking for double the premium, i.e. Rs 30,000, without any note of explanation or apology. This goes against all insurance practices. Nor was I informed at the time of taking the policy that the premium would be doubled every year. I made a call to their call centre and their agent spent a lot of time with irrelevant information and waffling about getting the details, he made me hold for 15:21 minutes he disconnected my call. It appears that the company is managed by nincompoops. IRDA should check the qualifications of the management of ICICI Lombard, as the company appears to be ill-managed at every level.

CAR REGISTRATION NO. GJ 6 DQ 1807 VXI D'SIRE

I would like to draw your kind attention towards the harrassment done to the customer by M/S ICICI Lombard, in which my claim was not passed for the damage of engine on the grounds "CONSECUTIVE LOSS". The engine was damaged due to accident which occurred as a result of running down of the vehicle in a farmer's land after breaking RCC Poles and Steel wire fencing. The RCC poles had damaged the engine, and the car had come down almost three feet below road level, from where there was no scope to take it out except by toeing. Inspite of several statements the surveyor was not satisfied and the service provider demanded a bill of Rs. 27, 000/- (approx.). On my denial for the said payment M/S Kiran Motors approached M/S ICICI Lombard, and the later had aggreed to pay 50% of the charges which should have been around Rs. 14, 000/-, but sorry to say that the discount I actually recieved and the liability borne by M/S ICICI Lombard, is Rs. 7, 000/- & Rs. 20, 000/- respectively.


I agree to pay the charges for consumable items, but it is difficult to understand what was the liability borne by M/S ICICI Lombard. Customers purchase / renew their policies through M/S Kiran Motors and hence the Good Will of M/S Kiran Motors and ultimately Maruti is damaged.


I urge upon you to look in to the matter on TOP PRIORITY and settle the issue failing which we shall be force take recourse to your Higher Authority.

VARSHA JOSHI
BARODA
GUJARAT

i have purchased a new car and taken online policy of insurance from icici lombard but their executive on phone issued a renewal policy of a new car and then i have taken a new policy and done the payment twice so i have requested many times to return back my money and they r not responding and not returning money cover note of cancelled policy (issued intentionally by them) W[protected] and new active policy 3001/w-1987048/00/000 *how can be there r two policies one of new and secnd of renewal of a brand new car and same engine and chasis number contact [protected]@yahoo.com [protected]

I have insured myself and my wife in the year 2010 based on their telephonic information. After completion of 2 years, being no claim bonus, Insurance company offered me and we were insured for Rs. 3 lacs. Now in the 3 rd year, we required to file a claim on health grounds, same was rejected by the Insurance Company stating that pre insurance disease was not disclosed. They have even cancelled my policy and refunded the money. When I checked with the treating Doctor, he told us that both things are nothing to do with each other and he is willing to give me a letter in writing as a medical opinion. Hence, I feel that ICICI Lombard has cheated us and I wish to file a complaint against them. Ravindra Chaubal [protected]

Don't renewal ICICI LOMBARD Motor insurance policy. There are deducting premium amount from unknown person account and after that making the renewal policy to cancel status and not informing about the policy status. Only you will know about the canceled policy once you raise a claim. It happened with my policy (Number-3001/67847553/01/000). So be careful with ICICI LOMBARD Insurance. Please find more details below. I took a car insurance policy with ICICI Lombard Insurance Company in 2011. After one year the ICICI Lombard online agent called me and asked for renewal of existing policy. I agreed for renewal of the policy and ask to deduct the renewal premium amount of Rs. 8444/- from my Citi Bank Credit Card. But the ICICI Lombard made a wrong transaction from unknown person credit card. I gave a complaint about it and with respect to the request number ([protected]). When I inquired about the status of the request then one of their agent told to settle the amount to that unknown person, which I paid that amount (8444/- ) to that unknown person and using my car insurance policy(3001/67847553/01/000) as usual as it is valid till 23rd December 2013. On July 21st 2013, I met with an accident and I raised a claim for the car damages against my policy (3001/67847553/01/000). Now they are telling the policy is in cancel state and further telling that the claim cannot be processed. I don't know why I should suffer for the mistake made by the ICICI Lombard, since they made a mistake by deducting the premium amount from unknown person account. Secondly when I raised a complaint against the wrong transaction, their agent asked to settle the amount to that unknown person which I made and using the policy. Thirdly ICICI Lombard did not inform me that the policy is cancelled, which is a minimum courtesy to tell the customer about it. I request to take this complaint against the ICICI Lombard Motor Insurance and do the required justice to me. Many Thanks in advance. Lakshmana Rao Simma. Plot 524, 1st Floor, Bhagath Singh Nagar colony Kukatpally, Hyderabad-500072. Mobile[protected]

On claiming the insurance for my Maruti Zen Accident, ICICI Lombard surveyor approved the car for Total loss. However, the amount of compensations offered to me is either 55% of IDV (insured declared value) of the vehicle in case of accepting total loss (in which case, the car would be taken away by company) or 30% of IDV in case of Net loss (car would remain with me). In either case, its wrong as per the existing laws of motor insurance. But, I was forced to choose one of the options by the company. Additionally, the cheque arrived to me after a long wait of 3 1/2 months, with at least 100 phone calls to the company, many personal visits to the local centre, additional 1000 rs. on the name of 'legal and processing fees'...WORST EVER MOTOR INSURANCE BY ICICI LOMBARD... PLEASE NEVER EVER GO FOR ICICI LOMBARD....

Claim No:- MOT[protected]/ LORRY NO:- HR55 J 6561

This is to above reference, you have made the cheque Rs 89308/- instead of submit of our bill
Rs. 213763/-. We have not satisfy with your claim cheque Rs. 89308/-.


We request you that re-exmine our bill, & make the new one and intimate immediately.

Thaking you,

Rajesh jawa
[protected]

Hi,
I had purchased ICICI Lombard Complete Health Insurance policy going by their advertising claim that they cover pre-existing diseases after 2 years of inusrance term. So seeing this advertise I called them and discussed in detail about the policy terms and conditions. I was planning for one policy to cover myself, wife and son, and my wife has pre-exisitng disease. But instead, the sales person, by name Arun Kamble, suggested to split the policy into 2, one for myself and son and the other just for my wife so that you can get same coverage for less premium. I did not realize the trick then when he explained this. Then he said, my policy will be immediately approved as we do not have any ailments, but my wife's will go for a review to the medical team. He said, they will call us and get more details on the existing conditions and then will decide for approval. We waited for 2 days and there was no call from the ICICI medical team on this and we get a message after 3 days that my wife's policy is cancelled. I was shocked to see this, on how one can decide the conditions even without talking or discussing. So then I realized that this was all planned, that they split the policy for the same reason that I can get my policy and they get one customer and at the same time they never bothered about my wife's policy. So the whole marketing line of covering the exisitng disease after 2 years is bogus and this is only to attract people, take the policy and money from the other people in the family and then reject the one's which really requires insurance coverage.
Finally I called their customer care today and cancelled the policy which is not even 5 days old, for which I was penalized for 25% of the amount.

ICICI Lombard management - Hats Off for this marketing strategy to make money from people who really need insurance.

Regards,
Sandeep.

I have one medical policy with icici lambord since 2010 in name of Pawan kumar Bhoot.first time I have to use this . and company approved Rs. 80000 for my treatment. with faith on company I admitted in max saket hospital.on 19 July. for my surgery. just before surgery this fraud company make this approval to only 8000. and I am in danger. I left the hospital without treatment with help of police.

now what to do.......

Location/place: MUMBAI

Name of company/service: ICICI LOMBARD

I AM NILESH JAISWAL HOLDING ICICI LOMBARD CAR INSURANCE FOR LAST 5 YEARS, ITS FIRST TIME MY CAR GOT DENT DUE TO ACCIDENT 15 DAYS BACK, WHEN I TRIED TO CLAIM TO INSURANCE COMPANY THEY SAID THAT THE CLAIM NEEDS TO BE REPORT WITHIN SEVEN DAYS OF THE ACCIDENT, SO NO CLAIM CAN BE MADE FROM MY SIDE.

I NEVER HAD CLAIM IN LAST 5 YEARS ITS FIRST TIME I AM CLAIMING AND IN REVERT I AM GETTING THIS REPONSE.

PLEASE GUIDE ME FOR THE SAME.

THNAKS AIN ADVANCE.

REGARDS,
NILESH JAISWAL

Dear Team,
I have submitted my claim on 19 April 2013,My claim request number is[protected]. But till date I couldn't receive any positive status.its almost 40 days spent but they didn't resolve my claim.Team plz help me and resolve my problem.and they are asking another 13 working days





regards
rangareddy,
[protected]
[protected]@gmail.com

I have been following up Manikandan (manikandan.[protected]@icicilombard.com) and Jaikumar (r.[protected]@icicilombard.com) for simple endorsement ( addition & deletion of employees) of our company’s GPA. I have called them atleast for 50 times in this regard. These guys either do not pick up or when they pick up blindly give a commitment without any intention of honouring it.

They do not understand the seriousness of the issue. I have never experienced such a pathetic service. Who will take the responsibility if anything happens to our employees who are not covered due to your lethargy. Even after warning that we would take the issue to ombudsman, these guys do not seem to care.

Policy No : 4005/72816645/00/000

The whole purpose of insurance is getting defeated with ICICI Lombard. My advice to HR fraternity is never to go with ICICI Lombard for GMC or GPA under any circumstance.

Regards,
Dhivya

Dear Sir,

Myself Shyam Sundar Sharma, Employee of Dharampal Premchand Ltd. Noida, Since 1988. on 6th April 2013, My Son admitted into Fortis Hospital Noida For Septoplasty, on 10th April 2013 Hospital starts the treatment, icici lombard, hospital staff & my company personal department said to me a limit of 75000 rs./- treatment for my mediclaim policy, but they don't clear to me before start my son operation that septoplasty not covered into this policy on 8th april 2013 leeter & Mail details & done the operation on 10th april 2013, but till date 11th april 2013 the discharge date they not clear to me.
Finally the hospital charged me 28000 rs./- without any information of disease.
while in prev step they finalized 20000 rs./- amount for treatment, i have an proof attached with this complaint.

Do Needful Action & revert my money back into my salaried account.

Shyam Sunder Sharma
Mob-[protected]
ECode - 17599
Policy No. - ILGIC/HRL/01/[protected]/SO1

Hi,
This is sujit mishra . I had a ICICI Lombard Health insurance policy no Policy No.: 4034i/FPPA/70911072/00/000- for which I had paid a premium of Rs 12,593 last year by cheque . This year I wanted to discontinue but they debited my a/c using ECS without informing me .
I have raised a coplaint no: [protected] - asking to cancel my policy and refund . The ECS debit happened 10 days before my policy was to expire . Now everytime i called the call center , they have lied . Initialy - i got an explanation that 1. Your a/c has been credited with the money debited .Now when i looked at my a/c statement- it was not not there .Then they told me a cheque was sent to my address - which as actally a letter - which said your request cannot be processesd . It is more than 10 days and yet no solutions in sight as to when do i get my money back .
Pls. help


Sujit Mishra
[protected] .

I bought bike insurance from icici lombard worth 1431rs on 11th march. but in policy document bike CC is wrongly mentioned as 125 cc instead of 150 cc. I am following them through calls & mails since last 10 days but they are not giving any satisfactory reply and my problem is not solved yet.
At the time of payment they didn't asked for any document but now when i am facing problem they are asking for documents bike rc copy.

i have sent them scanned copy of bike's RS but problem is not solved. also they are saying that in case of any claim they will not provide claim as details are wrong on policy

So neither they are making corrections in policy nor agree to pay claims with wrong details. Also the details is wrongly mentioned by them.

My complaint no is: [protected]
Policy number - 3005/78218626/00/b00

please help me regarding this.

Hi,

I checked all the policies online and ICICI Lombard emerged to be the best for travel insurance out of it. After 4 months with policy and no claims of any sort I tried to renew my policy like this:
1. I went online to your chat department to renew my policy for just 2 days, no help, less knowledge - (15mins wasted)
2. Went online next day again, he asked me to go online and do it, I tried and website was giving error, no help - (20 mins wasted)
3. Went online again in evening, the person asked me try again, I was able to get thru after long wait and on payment page it gave error again and then I tried making payment 2 times more. He then gave customer support number - (45 mins wasted)
4. I was like okay it will be done in few minutes, so I called form Australia to there local number, I was forwarded to customer care , where I waited 38 mins and no answer was given. I had to disconnect my call because I was paying heavily for it - (45 min and $105 worth of calls wasted)
5. I called again, asked this lady to please transfer to a guy who can help and not hang with customer support, she said better call in work timings of Australia. R you serious? what does 24x7 means? (15 mins and $22 worth of calls wasted)
6. So I called again in evening and after passing thru 3 people , this guy told me that even if its is done then u cannot make use of it cuz it takes 48 hours to get active. what??...I needed extension for 2 days and he said to renew it they need it 2 days. Worst experience ever(40 mins and $86 worth of calls wasted)
7. I called again hoping someone will be able to help me this time, after few people and few calls it went to this guy who told me that it is not online policy so you need to come to centre directly. I told him I m in Australia and there is no1 in India. On that he said he cant help me and the policy can not be extended. He tried to do something but it was not of any help. (1 hour 5 mins, $150 worth of call)

I asked him to forward me to complain department, he did not. I asked him to talk to his senior and I was waiting online for 15 mins just to talk to his senior.
This is the worst experience I have ever had with any company.
I was so frustrated after end of this that I said I don’t need extension or renewal of policy.
The bad thing is when you are taking to them they all put you mute/hold or something because thy don’t listen to you or even reply.
And then they put you on hold for "one minute" and dont reply for next 15 mins, it happened to me twice and they come and say sorry.
This is worst customer support I have ever faced, normally everywhere they are so quick and responsive but ICICI LOmbard changed the definition in s bad way.
I wasted 4 hours and around $350 worth of call and time just to renew my policy for 2 days(premium is Rs 389) which can not be refunded back.
Can they give me 1 good reason why I should come back to them?
I told them that I will complain against them in consumer’s forum and on FB which I am doing now.
Hope this helps and ICICI Lombard changes their attitude towards customer support.

Cheerz
Mridul
Policyno(4030/21142127/00/000)

Dear all,

My mother's eye operation took place in Vardan Hospital Ghaziabad, a renowned trust hospital and they provided the Receipt of amount received against operation and all other document which they provide to every patient to calim the medical insurance as told by Hospital.
But after submission of original document to icici lombard, they denied clear the claim on the the ground that submitted bills are not in proper format descriving all the expenditure separatley.The bill is only of Rs. 6500-/ includes one night stay in hospital and all other operation charges.

Feb 12: Policy exp
Feb 11: I have proactively renewed the policy @ 2PM INR 11445/-. Since then I've not received any confirmation or cover note. I've called customer support they told they had a problem within 24 hours it will resolved.
Feb 12: I've called again @ 2PM since my policy will exp midnight today I was worried spoke to the floor sup Ashok he said there was no complaint raised till now he will create a new complaint and it will be resolved within 24 hours. I was shocked as my policy will exp, I have called ICICI customer care multiple times no manager responded to my query till date.
Feb13: I've stopped using my car started using auto/cab today I called n times still there is no response from a manager and Ashok has only one word for me he will get back after update from concern department.

[protected] - ICICI Complaint Number.

060621 - Citi Bank Approval ID

This is my sad story with ICICI if govt is really serious about consumer complaints take some action.

I had made a payment for travel insurance of my Daughter Riddhi Atri
for INR 700 on 11th January through my American Express credit card. While the payment
got deducted (at Amex) the payment failure message was received at the ICICI
lombard site.

I raised this to the call center who asked me to make payment through
my ICICI debit card to get the policy and the earlier failed payment amount
will be refunded to me. The call center people also assured me that all the communication between us is being recorded and the same can be referred back to on a later date as well. I did that and the policy was issued to me using my ICICI debit card. To be on the safer side I also raised the message to ipartnersupporticicilombard.com which was the ID that had popped up during the failed transaction on 11th of January itself and then boarded the plane to Singapore.

When I returned back to India I found that the payment was not refunded back to me and they had issued two policies in the name of my daughter Riddhi Atri.

I contacted their call center and spoke to their call center executive " K M Nisha" who told me to mail my problem at "CUSTOMERSUPPORTicicilombard.com". Since then I have sent multiple mails to them and called them multiple times but they are not cancelling the other policy in the name of my daughter stating that the policy is already expired. The policy to be cancelled is - 4129/W[protected]/00/000

Requesting your help.

Actions taken by me this far:
1. Called up the call center for issue resolution (payment failure message received on ICICI site while the debit done on my Amex card) and wrote a mail on 11th January to ipartnersupporticicilombard.com
2. Wrote a mail on 20th January (when I returned to India) to ipartnersupporticicilombard.com reminding them for a refund.
3. Called up ICICI call center on 20th Jan and spoke to K M Nisha about the issue and asked for cancellation of one of the policies.
4. Wrote a mail on 20th January (when I returned to India) to CUSTOMERSUPPORTicicilombard.com as asked by K M Nisha reminding them for a refund.
5. Wrote a mail again to ICICI Lombard on 25th of January after receiving a letter from ICICI Lombard which stated that the refund would not be done as the policy had expired.
6. Wrote a mail again on 6th of february asking them for a refund. Also told them that I will take the legal route if the refund is not done till 10th Feb 2013.

06.02.2013
The Senior Manager,
ICICI Lombard General Insurance Company Ltd.,
Dear Sir,
As I am holding the ICICI Lombard health Insurance for the past four [04] years, bearing the policy number 4034i/CHI/05707170/00/000 for my father, mother and my spouse for the period from 20/12/2010 to 19/12/2012. While my father had admitted to the hospital during the period of March 2012, the claim has been rejected due to the incorrect entry of date of birth i.e., 31/12/1950 as against 16/09/1938.
While renewing the policy the ICICI Lombard executive had contacted me and asked me to renew the policy. First I did not accepted and I was explained the said above. But that executive could not leave me alone and keep on contacted of me for more than a week, by giving the assurance that updating of my father’s (R.R. GOPALACHARY) date birth from 31st December 1950 to 16th September 1938. As the policy holder had crossed more than 70 years and the premium amount had to be calculated as per the age and based on this the premium had been increased for an amount of RS.18,570/- per year. During the period of conversation (from 14th Dec 2012 to 24th Dec 2012) the executive had given the clear statement that the date of birth of my father’s had been updated in our system and it would be reflected in the renewal policy. Based on this the policy had been renewed on 24th Dec’12.
Then I had received the hard copy of the policy bearing the number 4034i/FPP/76390449/00/000 on 01st January 2013, after receiving the policy I had checked the details. The executive what had been updated has not reflected in the policy card. The uncorrected date of birth only mentioned in the policy as well in card. Then I had contacted on same date and asked to issue the updated date of birth i.e., 16th September 1938 (service requisition number.[protected]) and contacted several times regarding this issue.
On 24th January 2013 I had a call from the ICIC Lombard and elaborately discussed this issue and I request to the executive to listened the renewal period conversations with the executives (recordings) and he promised to get back to call me on 26th January 2013 after checking the all conversations. But I did not have any reply.
On 05th February 2013, the ICICI Lombard executive had contacted me and while discussing this issue directly he himself took the decision for the cancellation of this policy without getting the confirmation with me ([protected]).
Today the executive from cancellation department has contacted me and I was explained the details what was happen in the previous conversations, In the lengthy conversation I request to the executive to listen the conversation of the renewal policy from 14th Dec 12 to 24th Dec’12. But he is sticking to the confirmation calls only. In this issue I request you to listen the whole conversation (recordings) and get back to me then only; you could come with the solution.
Contd…2
- 2 -
But the executive regretted by request and stating that he will listen only the conformation call. In this my argument is the problem has been raised from your end and yourself (without consulting with me) taking the decision to cancel the policy.
In this I need full refund amount without deduction of 25% what I was paid Rs.18,570/- has to be pay back to me without delay. I hope that the lengthy letter may give the clear information regarding the renewed policy and I expecting the positive reply from your end at the earliest.
Thanking you
Yours faithfully
(R.G. RAM BABU)
[protected]/3, RACE COURSE ROAD,
OLD MALAKPET,
HYDERABAD – 500 036
([protected])