ICICI Lombard Complaints & Reviews

Dear Sir,
I am a holder of ICICI lombard health Insurance Policy No. 4016/0003641/01/000. I was suffering from some breathing problems for last five-six months. Finally, doctors told me that this problem is happening due to 'Deviated Nasal Septum' and the only treatment for this is septoplasty. Then I apply for cashless facility but the company denied saying that Septoplasty is not covered under this policy.

Although, I seen in many ICICI policy itself "Deviated Nasal Septum" is under pre-existing diseases category, which is well covered after completion of two years of policy. ICICI is treating Septoplasty as a separate disease, as it is not a disease but a treatment for DNS.

Now I have done the surgery on my own expenses.

Therefore, let me advice for further steps.

Anticipating your necessary action in this regards at the earliest.

Thanks and regards.

TARA DATT

Dear Sir,
I just agai forward this complain that my pf amount yat not transfer in my account. and before two day ago i have writeen complain regarding pf and same day i receive on message of teamleae that pf amount2247transfer in my acoount but dont receive me.
so plz immdeatily contact me regarding my pf and mount also less

company name-ICICI LOMBARD GIC LTD
KRISHNA SHARMA D/O SANTOSH SHARMA
ID-409613
PF NO-kn/35224/330294
[protected]

There are three medi claim of Rs85920/-(Accidental:25506 Pregnancy:42813 Child:17601) which are pending since May’08 & July’08 respectively with ICICI Lombard general insurance. There was a corporate health policy being taken by my company Virgin Mobile India from ICICI Lombard under that I had submitted my claim to my company which were given to Raksha TPA for reimbursement & till date the reimbursement has not been made.



Earlier the same was being followed with Mr Dhiraj Sharma of ICICI Lombard N.Delhi & as per his requirement had furnished the below additional required documents needed by him :



Date: 24th June’08

Ankit Tiwari - LV0251VIRM

Query: treating doctors certificate mentioning the date, mechanism of injury, MLC/FIR copy, h/o alchol intake at the time of injury., original discharge summary, original hosp. bill with break-up, all original investigation reports with x-ray films.



Late on follow-up with my company came to know that Mr Dheeraj has resigned & same has gone into pending since then.


In addition to that on 27th June’09 got the mail from my company to submit below docs which were required by ICICI Lombard for clearing my claim, had provided the required docs on 30th July’09 & the same was submitted at ICICI lombard end also but still the claim is not settled.


Ankit Tiwari
Wife
LV0251VIRM
Original main hospital bill with break up. as per our data patient name is shraoh tiwari, while as per claim papers are sharda tiwari, kindly clarify by treating doctor certificate.

Ankit Tiwari
Self
LV0251VIRM
Copy of mlc. medicine used during hospitalisation.


Aside to this the claim of child Rs17601/- which was submitted on 16th July was processed after an year on 20th Jul’09 but neither my company nor I have received the cheque.



Was provided Email of ID of below ICICI Lombard employees by my company but they are not replying to my mail sent to them :



Sachin.[protected]@icicilombard.com, 'utkarsh.[protected]@icicilombard.com', 'kunal.[protected]@icicilombard.com'



Kindly help in getting my mediclaim amount reimbursed as it’s been 2years & I am in dire need of the same.



Also the accident has led to partial disability in my left leg & back bone, have been spending spending huge amount of money on the treatment of the same.



Aside to this do not issue any notice/mail to my employer Virgin Mobile as this can come down to my Job.



Details Of Policy:

Policy No : 4016/0002591

ID Number: LV0251VIRM

Company: Virgin Mobile India

Insurance: ICICI General Insurance

TPA: Raksha TPA



Details Of Pending Medicalim:



1> Ankit Tiwari

Claim No.
[protected]

Memberid
LV0251VIRM

Unique Policy Number
4016/0002591

Insured Name
Ankit Tiwari

Patient Name
Ankit Tiwari

Relation
Self

Admission Date/ Discharge Date
30-mar-2008 / 03-apr-2008

For the Treatment of
RTA

Hospital Name
Bombay Hospital - null

Claim Received Date
09-MAY-2008

Claim Amount
Rs. 25506/-


2> Shradha Tiwari

Claim No.
[protected]

Memberid
LV0251VIRM

Unique Policy Number
4016/0002591

Insured Name
Ankit Tiwari

Patient Name
Shraoh Tiwari

Relation
Wife

Admission Date/ Discharge Date
27-mar-2008 / 02-apr-2008

For the Treatment of
FTP

Hospital Name
Bombay Hospital - null

Claim Received Date
09-MAY-2008

Claim Amount
Rs. 42813/-




Cheque Not Received Case:



Claim No.
[protected]

Memberid
LV0251VIRM

Unique Policy Number
4016/0002591

Insured Name
Ankit Tiwari

Patient Name
Arush Tiwari

Relation
Son

Admission Date/ Discharge Date
14-jun-2008 / 18-jun-2008

For the Treatment of
BRONCHOPNEUMONIA

Hospital Name
Bombay Hospital - null

Claim Received Date
16-JUL-2008

Claim Amount
Rs. 17601/-

Document Check List

Claim Processing Date

Cheque No./ Amount
326574 / 14609

Deduction:
RS.1077/- BILL NOT RECEIVED.,RS.1090/- NAPPI PAD, MASK, INFUSION PUMP, DIETICIANS, TRANSPORTATION, REGISTRATION,RS.825/- BACTEC ANTIBIOTIC REPORT NOT ATTACHED,

Despatch Date/Courier Name (Latest Despatch Details)
20-JUL-2009 First Flight Couriers(Cheque)


Regards..

Aankit Tiwari

Call-[protected]

SIR,
I HAVE TAKEN A HOME LOAN OF 41 LAKH FORM INDIABULLS . INDIABULLS GIVE DIRECTLY GIVE 1 LAKH TO ICICILOMBARD BY CH NO008291 DATED 14-07-10.

BUT TILL DATE I HAVE NOT RECD POLICY DOCUMENT AND KIT.I HAVE CALLED SO MANY TIMES ON CUSTOMER SUPPORT OF ICICI LOMBARD , BUT THEY ARE NOT RESPONDING ME.

YOU ARE REQUESTED TO CANCEL MY POLICY AND REFUND MY MONEY.

I AM ATTACHING THE COPY FOR SANCTION AND DISBURSEMENT LETTER ISSUED BY INDIABULLS.

Date: 15/07/2010
FILE No.: HLDCP1007134

To,

RAVI KUMAR GOYAL
PLOT NUMBER B2/161, 2ND FLOOR BLOCK B, PACHIM VIHAR,
NEW DELHI 110063 DELHI INDIA
Phone:[protected]

Dear Customer,

Welcome to Indiabulls Housing Finance Limited and thank you for choosing us for your HOME LOAN.

We are pleased to inform you that your loan has been disbursed and your Loan Account No. is HHLDCP00067292. Your total loan amount is INR 41,00,000.00 (Rupees Forty-One Lac Only)

Your installment amount is INR 34,295.00 for next 08 months, INR 37,476.00 for next 12 months & INR 37,476.00 thereafter. Your repayment mode PDC/ECS will start from 10/08/2010 and your first installment will be banked on 10/09/2010 on 10th of every Month and total installments are 240. The ROI of the captioned loan is as under:

Type of Rate ROI Till date EMI Amount
Fixed 8.00% 10/04/2011 34,295.00
Fixed 9.25% 10/04/2012 37,476.00
Type of Rate IHFL FRR (as on date) Adjustable rate of Interest (-/+) Applicable from EMI
Floating 14.00% -4.75% 10/05/2012 37,476.00


Disbursal cheques being issued to you vide:

Instrument Type Instrument No Instrument Date Amount (INR) In favour of
Cheque/DD 008291 14/07/2010 1,00,000.00 ICICI LOMBARD GIC LTD
Cheque/DD 008292 14/07/2010 26,77,182.00 SATISH CHANDER ICICI BANK LTD A/C NO[protected]
Cheque/DD 008293 14/07/2010 12,99,453.00 SATISH CHANDER ICICI BANK LTD A/C NO[protected]

The deductions are on account of:

Description Amount (INR)
Processing Fees (Inclusive of tax amount 1,920.39 @% of Loan Amount.) 20,565.00
Insurance Charges 0.00
Advance PEMI adjusted (If any) : 23,365.00
Other Charges 1,500.00








Upfront Receipt received vide (If any):

Instrument Type Instrument No. Instrument Date Amount (INR) Towards
Cheque/DD 438651 25/05/2010 16,550.00 PROCESSING FEES
Cheque/DD 789179 25/05/2010 5,515.00 PROCESSING FEES





You are requested to please en-cash/bank the disbursement cheque within 15 days from the date of this letter otherwise Indiabulls would reserve the right to cancel the disbursement cheques and loan if not cleared/en-cashed within 15days.

If you require any further details on your Home Loan Account, please contact us at any of the telephone numbers given below. Our customer service representatives will be glad to assist you.

We value your relationship with us and assure you of our best service always.

Best Regards

For Indiabulls Housing Finance Limited


Authorized Signatory

This is computer generated letter & requires no signature.
Please refer the extracts of the agreement overleaf.








Indiabulls Housing Finance Limited - Home Loan

Help Line :[protected]Toll free) Fax:[protected]
Monday - Friday: 10:00 AM to 06:00 PM
Mailto: [protected]@indiabulls.com
Web Site: www.indiabulls.com

I have a health policy From ICICI Lombard. I have undergone a Cardiac Angioplasty Recently for which i had put a claim reimbursement on the policy. But it has been rejected twice on the grounds of pre existing illness as mentioned in their policy clause. However there are two unanswered questions?
1. How is the policy rejected when the patient is not suffering from any pre existing illness certified by the treating doctor( proof present)?
2. At the time of issuing the policy no previous health checkup of the patient was done , so no information was provided by the company regarding the conditon of the patient under which the policy would be rejected.
I request you to help me in this case of cheating by a reputed company like ICICI Lombard
Thanking You

Hi,
My name is Chetan Kaushal. I had icicilombard health care policy for
my mother 4034/FPP/03830452/00/000 which I renewed with policy
4034i/FPP/03830452/01/000.

When I took the policy i was told that during the hospitalization my
mother would get Rs 2000 as daily allowance. Even I inquired that
whatever might be the tenure of her hospitalization she would get Rs
2000 per day and the guy selling me the policy said “Yes”.

Last month I made a claim of Rs 5866 for my mother`s hospitalization
(From 23 july 2010 to 27 july 2010) on 22 July. As ICICI Lombard has
outsourced the verification process so
I was asked to courier the
originals to TTK healthcare people on 21 Aug through DTDC courier
service and they receive it on 25 Aug.TTK health care people approve
the amount of Rs 5866 but not ready to pay the daily allowance of Rs
2000 per day. According to them they have policy that hospitalization
should be more than 5 days n less than 7 days i.e. exactly 6 days
which is nearly impossible for any patient to be hospitalized for
exactly 6 days. So they are not ready to pay. They ask me to contact to
icicilombard for that.i spoke to ur customer care executive but none
is ready to take my proper feedback to it. They again ask me to talk to
TTK healthcare people. Kindly look into the matter as I think these people
are trying to save that amount of Rs 10000 which I should get as daily
allowance.


Regards,
Chetan Kaushal

Hi,

I ve delievered my courrier to Mr Kalpesh Maheshwari at below mentioned address on 15/09/2010 via POD no[protected],this has delievered on 22/09/2010.I had to suffer due to this delay,may I know what was the reason behind this blunder mistake.Your TAT for this delievery is 48 hrs but could not deliever the same in time.

Finance & Accounts Department

ICICI LOMBARD GIC LTD

Zenith House,Keshav Rao Khade Marg

Mahalaxmi,

MUMBAI-400034

# [protected] / [protected]



Please explain me on anurag.[protected]@icicilombard.com([protected])

Hi,

I am old customer of ICICI Bank having salary account for last 3 yrs.
Taken ICICI Lombard health care for my father in June 2009.
Policy No. 4034i/FPP/04788788/00/000
Card No. IHPN[protected]/01
Valid From: 23-June-2009 Valid Upto: 22-June2011.

My father was hospitalised for CANCER treatment in TATA Memorial Hospital from[protected] to[protected] and Bill amount Rs.85868 /-
I have submitted all original hospital bill receipt in June 2010 thru DTDC Courier.
After 15-20 days I talk with ICICI lombard callcenter person said wait for 10 days they will update your claim ticket.
Few days later email and letter send to me that some document required for futher process.
Again i send all TATA hospital Lab and Diagonise Report thru Professional Courier in July 2010.
In Aug 2010, i have called 5-7 times for my Claim status but every time call center person plz call after 3 days it will be approved and clear and you will received your claim amount within 15 working days.
But now it is almost more than month still no respond from ICICI Lombard.

This is an frustating process of ICICI lombard health care.
As my family is still recovering from cancer name and this company makin[censored]s fool every day.
Need to call for 20-30 minutes and no result at the end.
Now as day by day ICICI whole company is making fool to all o[censored]s.
Standard of ICICI name is going down.

Hi,

We have insured for my father for travelling Overseas, However My father was expired in US and we have requested the ICICI Lombard to Process our claim but they have rejected our claim with a baseless reason and did not even respond to our mails further.

Is there any way I can seek justice.

Please find the mail chain below


Hi

Mr Rajanna (My Father) was suffering from common flu
for 3 days before he collapsed. Due to flu, he was
vomiting and could not take any solid foods. It is
natural and medically advised for any diabetic patient
to reduce insulin if they do not take enough
carbohydrates. In fact on Mar 6th, he did take regular
insulin before taking his lunch ( which is his routine
schedule that he has been following for years ).
Doctors at Santa Clara Valley Medical diagnosed the
cause of death as Renal Failure. There are enough
records to show that he ( Mr. Rajanna ) did not do
anything intentionally that could have caused his
death. Terming "intentionally" can itself lead to a
legal battle with ICICI LOMBARD . It embeds a
different meaning and makes us feel emotionally sad to
make a remark on a person of high stature. I would
suggest that we settle this issue within the
boundaries of human dignity and with high regard to
business ethics. Lets not complicate the issue
beyond gentlemen discussions.

I appreciate your business and look forward to a clean
closure ASAP.

Thanks
SITA RAM

--- SHIVASHANKER B /RETAIL/ICICILOMBARD/HYD
<shivashanker.[protected]@icicilombard.com> wrote:

> Dear Sir,
>
> We are very sorry to tell you that your claim is
> rejected
> for the below mentioned reason...........
>
> Regards,
> Shiva Shanker.
>
>
>
> Subject: RE: FW: Regarding the Claim for the Policy
> 4030/2122128/00/000
>
> Dear Shivashanker,
>
> As per the case no 40141 of Mr CHOPPAKATLA,
> RAJANNA,holding
> policy no. 4030/2122128/00/000 ,Patient with history
> of
> insulin
>
> dependent diabetes, discontinued taking insulin as
> per own
> decision .
>
> In this case patient has refuse to take insulin
> without any
> physician advice..
>
> In this case patient died because of diabetic
> ketoacidosis
> which occur because of high blood suger level.
>
> As per our policy general exclusion no 3 any claim
> is
> arising out of illness that insured has caused
> intensionally
> will not be payable.
>
> regards
>
> Ravi Soni
>
> -----Original Message-----
> From: SHIVASHANKER B /RETAIL/ICICILOMBARD/HYD
> Subject: FW: FW: Regarding the Claim for the Policy
> 4030/2122128/00/000
> Importance: High
>
>
> Dear Ravi,
>
> We appreciate if you can help us in this regard....
> customer
> is sending mails and we are forwarding you the same
> but no
> response from your end....
>
> Regards,
> Shiva Shanker
>
> -----Original Message-----
> From: SITA RAM [mailto: ]
> Sent: Saturday, October 08, 2005 12:09 AM
> To: SITA RAM; HARIPRASAD RAO
> /RETAIL/ICICILOMBARD/HYD; RAVI
> SONI /OPS/ICICILOMBARD/MLX
> Cc: SHIVASHANKER B /RETAIL/ICICILOMBARD/HYD;
> [protected]@yahoo.com
> Subject: Re: FW: Regarding the Claim for the Policy
> 4030/2122128/00/000
>
> Hi All,
>
> I was waiting for your responce since long time and
> there was no responce form any one, and sincerely
> request for the update and action from you at the
> earliest.
>
> C.Sitaram
>
> --- SITA RAM <[protected]@yahoo.com> wrote:
>
> > Hi All,
> >
> > May I know the ststus please?
> >
> > Regards
> > C.Sitaram
> >
> > --- HARIPRASAD RAO /RETAIL/ICICILOMBARD/HYD
> > <hariprasad.[protected]@icicilombard.com> wrote:
> >
> > > Dear Ravi,
> > > This is the same case where as per our previous
> > > communication we have settled him Rs. 1,49,000/-
> > > towards the
> > > funeral expenses of the insured who was expired
> in
> > > US.Till
> > > date he did not get the cheque it seems
> > > Kindly revert to the customer with all the
> details
> > > of the
> > > payment...
> > > Rgds
> > >
> > >
> > > -----Original Message-----
> > > From: SITA RAM [mailto:[protected]@yahoo.com]
> > > Sent: Friday, September 23, 2005 11:09 PM
> > > To: HARIPRASAD RAO /RETAIL/ICICILOMBARD/HYD
> > > Subject: Regarding the Claim for the Policy
> > > 4030/2122128/00/000
> > >
> > > Hi,
> > >
> > > This is to bring to your notice that my parents
> > have
> > > insured through ICICI Lombard for Overseas
> travel
> > in
> > > Feb-2005 the policy number is
> 4030/2122128/00/000,
> > > My
> > > father passed away on 7-Mar-2005 in USA. I have
> > > already submitted the documents of the funeral
> > > expenses incurred as the funeral was performed
> in
> > > USA,
> > > to Heritage Health Services Mumbai two months
> ago.
> > > Till date I have not received any information.
> > >
> > >
> > > The following documents had mailed to Health
> > > Services
> > > Mumbai as per the Instructions given to me by
> the
> > > Agent (NEO AEROJET TRAVELS PVT LTD).
> > >
> > > 1) Original Policy
> > > 2) Original Claim Form
> > > 3) Photo Copy of Death Certificate
> > > 4) Original Invoice
> > > 5) Photo Copy of Passport.
> > >
> > > Can you please let me know the status on the
> same?
> > >
> > >
> > > Thanks & Regards
> > > C.Sitaram

I was working with ICICI LOMBARD GIC LTD from 15/11/2005 to 25/08/2007 . I was getting the salary from Delta Services (india) Pvt Ltd .Now I want to withdraw my PF. My Employee ID is IL1323
Kindly Guide & provide PF form for the same.

Name: Swapna P.K
My Emp No: IL1323
my mail ID:swapna.[protected]@gmail.com
Contact no:[protected]

Dear Sir,

I Mrs.Prema Prakash , aged 56 yrs, purchased a ICICI Lombard General Insurance policy no. is 4034i/FPP/04957196/00/000 for my sister-in-law , who was aged 50 yrs on 23rd September 2009 . The premium was paid from my ICICI credit card and I received a soft copy of the Insurance policy through email.
My sister-in-law for whom I purchased this health insurance policy was not used during any of her hospitalisation, as ICICI Lomabard told that the Insurance can be used only after 1 year of purchase.

My sister-in-law expired on 8th February 2010 , we informed the ICICI Lombard customer care of her death, but we are constantly put to mental tortue asking us to pay the premium even after her death. The insurance was of no use when my sister-in-law was hospitalised, everyday I get around 10-20 calls from ICICI Lombard asking us to pay the premium , they even give missed calls . We are going through a harassment which we are unable to bear. We are old couple and feeling helpless with these threatning calls.

Thanks and Regards
Prema Prakash
Phone: +91-[protected]
Email:[protected]@gmail.com

Dear Sir/Madam,

I was offered an ICICI Lombard accidental death cover policy (no. 4005/00010717/5533) in feb'07. Under the agreement, the premium was to be auto debited from my credit card no. [protected].

Over a period of time, even after the expiry of the said policy, the premiums continued to be deducted from the same credit card even after my negative replies to the tele-callers about extending the tenure of the policy.

On the 16th feb’10, I happened to visit their Gomti Nagar, Lucknow office to submit a formal letter for the closure of the said policy (Interaction id[protected] and was surprised by certain findings :

The insurance policies for which I have been paying the premiums also bears the name of some Ashok Bhutada and beneficiaries as Ashok Bhutada and Anjali Bhutada, residents of Room no 11, Tukaram Niwas, Opp Central Jail Road, Nasik Maharashtra. My date of birth as figured in the policies was 09.05.1968 (My actual date of birth, as in official records, is 07.07.1956)

The policy bears my name as proposer in the said policies (the policies in question):

a. No. 4018/IPA-108162/00/000 (28.01.09 to 27.01.10) Rs. 5323

b. No. 4018/IPA-115234/00/000 (28.01.10 to 27.01.11) Rs. 5323



Please find this also as an undertaking from me that I am a permanent resident of 2/195, Vikas Nagar, Lucknow, am a U.P.state government employee working with the C.B.,C.I.D.,U.P. posted in the headquarters in Lucknow for the last 28 years ; that I have no idea who the said individuals are ; that I have never consented to continuing of the said policies – verbally or in writing (I request ICICI Lombard to produce the proof of any such communication if your office thinks otherwise).



I would like to highlight here that, as the said policies were continued without my consent and I did not receive any policy certificate/documents by courier or by post, I never came to know about the case until I visited your Gomti Nagar, Lucknow office on 16th feb’10 and the front desk executive gave me the printouts of the same policies, after which it was established that it’s a fraud at the cost of my money.



Today, after so many days of not receiving any official communication from ICICI Lombard, I had to visit their Gomti Nagar, Lucknow office again. I met the front desk executive, Mr. Kamakhya who showed lack of concern for the case. He was quick to declare that the very office cannot help me in any ways and advised me to go to ANY branch of ICICI bank and meet any credit card executive for the reversal because according to him, the policy has been cancelled. I found his behavior unprofessional, shallow and rude. It was only after my repeated requests for meeting a senior executive, Mr. Ravi Dhawan was called and a series of phone calls were made. (interaction id :[protected]

I even wrote a mail to [protected]@icicilombard.com on 19 Aug '10 but there has been no response from their side, as of now.


My point is, that, my money was used to pay for the insurance of some people who I don’t know and without my official or unofficial consent. Even if the bank says that I was one of the policy holders, my date of birth was wrong in the papers, by virtue of which, I would never have got any benefit of my money, had there been any eventuality.




Therefore, this case amounts to a fraud and me a victim to it. Kindly take appropriate action against the offence/offenders and instruct ICICI Lombard to do a reversal of my money.



Thanking you in anticipation,



Yours truly,



Mrs. Neelima Vishwakarma

Ph no. [protected]

Respected Sir / Madam,

I am Dilip Laxman Modak, having ICICI Lombard Health Insurance Policy (No. 4034i/HIR/04677999/00/000). My wife was hospitalized on 18-19th May 2010 for that i claimed for the refund.

Since then i am in touch with ICICI Lombard Customer Service Dept. as per their information my settlement cheque (chq no. 023833 amounting Rs.1850/-) was issued on 29th June 2010, but the cheque didn't reach to me because of insufficient address (thats what courier people informed to icici lombard - Shipment No. ZB2263507). Then again on 23rd July 2010, the same cheque was despatched from icici lombard (Shipment No.ZB2809375) but again it didn't come to me because of same insufficient address problem.

In between on 8th July 2010, ICICI Lombard Customer Service Dept. registered a complaint for cheque being not despatched to me. (Interaction ID[protected]. and also keep giving them my residence address again and again.

Today on 24th August 2010, i got a call from Lomabrds Hyderabad branch, saying my cheque is returned to them because of insufficient address.

I 100 times request them to deposit the amount in my ICICI Bank Saving Account or send the cheque to ANY of the ICICI Bank branch in Andheri, Mumbai or give me details of courier and POD number, so that i personally go and collect the cheque, neither i get the pod details on time nor the chque come to me. If I am that helpful to them why not they?

This is my 3rd year i am renewing the Lomabrd Health Insurance Policy, If ICICI Lombards documents can reach to my home in time. WHY NOT THE CHEQUE?????

Requesting you to please look into the matter and do the needful to get me my cheque asap.


Thanks & Regards,

Dilip Laxman Modak

i had appled for renewal of my car insurance policy on 21 Jun 2010 (which had lapsed on 6th June 2010). The policy status was shwon as pending with surveyor for almost two months. In between i got calls from the survryor located at Agartala that he will come for survey of the car, But after two months almost the status was shown as "policy rejected as condition of car unsatisfactory is survey" while on ground the survey was never carried out.

Subject: Denial of claim of Mrs.Bharti Sharma vide letter Dated 17/8/2010 by ICICI Lombard.

Dear Sir,

This is with ref. to the above we want to mention the following facts.

1.I am having my self, wife, and sons Mediclaim policy of 05 lakh coverage for the family and further extended no claim limits to Rs 5.50 lakh since last 5 years. on insistance of company officers i changed this from National Insurance Company to ICICI LOMBARD with an assurance that they will provide faster cashless facilities.

2.As we all are physically fit including wife. we never needed any hospitalisation & claim from any of the insurance company.

3.It is the first time that a doctor has advised for the hospitalisation for her knees and both the wrist for joints Sinovial Fluid Aspiration & the papers faxed to you intially was having her history from birth to till date this has been confirmed by the letter dated 19/8/2010 that is was not a pre existing disease.(Scan copy attached)

We sumitted the claim of Mrs.Bharti Sharma -UHID-IHPN-0507 having policy no-40341/CHI/03907604/01/000 after diagnosis of the disease named Joint Sinovial Fluid Aspiration for cashless benefits & to our utter surprise ICICI Lombard has sent us a denial stating it is an Pre Existing disease even after 4-5 Years of coverage with them.

It looks there is some malign interest to reject genuine case submitted for a claim mentioning unacceptable reasons to reject/deny.

You are therefore requested to accept the claim & oblige at the earliest.
Thanking you


L.K.Sharma
CEO
[protected]
Palam-Gurgaon Road, Gurgaon-122001(Hr.) INDIA
Tel.[protected], Mobile: [protected],
FAX :[protected]
----- Original Message -----

Dear Sir,
Its about the mediclaim policy the no is 4111/pla56528471/00/000.I have been subbmitted all the documents to the concerned department but they have not comunicated with me ,and whenever i call the belgaum office they only give me dates ,saying that in 15 days ul get the check they are just harashing me without giving me right information,,and if i call customer service they say in 7 working days i l b getting the money . 6 months have passed the concerned department has not called me even a single time so please take strict action on the procedinngs


Thank you
Suraj Desai

To,
The President,
ICICI LOMBARD GENERAL INSURANCE

Ref: Claim no: MOTO1525142

Dear Sir,
As a true well-wisher for of your company, I sincerely request you kindly to look into the functioning of your Guwahati office in Assam.

My vehicle (Ford Endeavour bearing registration No. AS 01 AM 3121) met with a major accident. It took them four months to reciprocate to my plea to settle my claim. I was asked to repair the vehicle and submit the bills.

Why there was no response, when both the authorised dealers had submitted the estimate to repair the said vehicle.

Himatsingka Ford had clearly certified that the vehicle is totally uneconomical for repair and TI Ford had given a repair estimate of Rs.15,77,993/-. This estimate was given four months ago. The vehicle is still lying unattended, uncovered outside under the open sky. (Both are the authorised dealer of this Vehicle in Assam).

For four months I had hired vehicles for my personal use, please do let me know who is going to foot all these bills?

I would also like to mention here that some Mr. Sharma from the moto claim deptt had the cheek to ask me to seek legal help to recover my claim.

Are we treated in this fashion because we belong to the Northeast part of India, here we people are know for our simplicity and honesty, hence we are gullible and can be easily taken for a royal ride.

If this is the intention of your esteem company than please relook into your policy matter and set things straight.

Your kind indulgence in this matter will be highly appreciated.

Warm regards,
Mustaque Ahmed Khan
[protected]

Policy Number: 3001/W-1442695/00/000
Policy Start Date: 25/12/2009
Policy End Date: 24/12/2010


Finally I am paid for my wrong choice in opting for an insurance for my car. Although my colleque already had an bad experience, but I thought to give it a chance as I think big brands do stand by there reputation.

All through 9 years since I purchased the car,I was taking the insurance from New India Insurance Company, and I never ever got any problems of any sort with the company. But due to my change in posting from Chandigarh to Gurgaon, I didnt find any insurance agent near my place and I opted ICICI Lombard.

Problems started from the first day (25/12/2009), I taken up the policy. I requested for hard copy of policy, but till date I didn't get the same. Anyways I never paid much attention to this.

At the time of raising the policy, I asked the telemarketers do you need any documentation to support this new policy they said NO. I again asked them, how could you give me No Claim Bonus without any document, telemarketer said, "Sir, We trust you". I didn't know, what he means to say by this. Now after 7 months, when my car met with an minor accident I got to know, what a insurance policy with ICICI Lonmbard means. It means 'ADDING MORE WOES TO ALREADY HURT PPL'. Really ICICI provides UNMATECHED INSURANCE. Now when I raised a claim for repair of my accidental car, I am asked for No Claim Bonus from previous Insurer, previous Insurance Policy.

After 7 months from do I get these documents . I asked the surveyor, he said he cant help as he has to follow process. He gave me number of local manager who handles claim Mr Harinder([protected]). I am calling him since morning, but they dont bother to take up the call. Why they bother to pick the call.
Then I tried calling customer care. He said you need submit the docs. He cant assist us other than he provided number of Mr Rajiv Dhawan ([protected]) the area manager for Gurgaon. But the result remained the same. I called him up number of times, but who cares to pick the phone,when ICICI Lombards solo objective is to make fool of the people and I think they trainee there manageres accordingly.

I know putting this mail, wont serve any purpose, other than I got a call and they say, we cant do any thing, we need these documents as this process. May I know Where is process while raising the policy ? Process is for fooling the people and to make money only.


Amit Goyal
[protected]

I have been calling toll free no.[protected] since more than 15 days and spoke to different persons every time.I have been giving the details as requested each and every time and I am assured to get a call back which never happens. Last I happened to speak to one of the officers named Karan who is not able to give me the feedback despite assurances to call back. It is very surprising and rather strange that ICICI is not competant to accept my request for renewal of health insurance police which is their business.
For your reference I am referring to Policy no.4050/W-1058673/00/001-Gold. W 500 plus plan
Can you help me to renew this policy for further period of 1 year.
Hope to hear from you.

This is to inform you about the awful experience that I had to face with ICICI Lombard Insurance Co.

As stated in my email below, the total estimation of the surgery for my father Mr. Bhimrao Sidnaik in ADITYA BIRLA MEMORIAL HOSPITAL, chinch wad was Rs. 1, 16,000 and a pre authorization amount was approved for Rs. 51,000. I took an approval for the balance amount and was under the impression that everything will be taken care of. Here is the situation that I had to face at the time of approval process and claim settlement.


I provided the copy of the email below to the hospital staff in order to take further approval of the balance amount. The TPE desk staff at the hospital tried to fax the details to ICICI at 3.15 pm (24th July 2010) but the fax machine at ICICI had problems and the fax didn’t get through. The system made 30 unsuccessful attempts to fax details. Finally, the details were sent via email at 4.45 pm requesting the claim approval. I called up the toll free number and got the interaction ID and was told that we would receive the response within 2 hrs of time. I kept following up on the toll free numbers as I was aware this would not be done on time based on my prior experience. I was asked to spare another 2hrs of time every time I called up; I was not allowed to talk to any person at a higher level to escalate the issue. My father was supposed to be discharged from hospital on the same day and I informed the same at the toll free call centre. No communication was received from ICICI regarding the claim amount. The discharge desk at the hospital closes at 8.00 pm and the next day was Sunday when no discharges are done for insurance cases. I called up again (4th time) at 7.45 pm and asked if the approval was done and I was again asked to wait for another half an hour while the discharge desk closed. I had to make a payment of the difference amount of the bill (Rs. 17,445.00) out of my pocket despite o[censored]s having the approval.

I would also want to mention that this is not the first instance wherein I had to go through such pain but it also happened a couple of times before recently, first when I was admitted in the same hospital when the approval process took 4-5 hours of time as against their TAT of 2 hrs and the second instance was when the pre authorization claim was submitted for my father when no processing was done at all for 4 days and finally was done when I spoke to some manager at ICICI Lombard call centre again taking 4-5 hours of time.

This is really frustrating when we are charged premium and have to go through such pain while being in the hospital. I don’t at all regret to say that it has been really a very bad and frustrating experience with the insurance company.

Gautam