ICICI Lombard Complaints & Reviews

1. I am having car insurance policy with ICICI Lombard and policy no is 3001/51063036/01/000.

2. My car met an accident and I logded a request for claim and the claim no MOT00815849 was allotted to me on
14-JUN-2008.

3. After the survey I was told that cheque will be send on address which was given to surveyor in next 10 days.

4. After 10 days when I contacted the customer service I was told the cheque is being delivered and I should wait for seven working days.

5. After seven days again I called and i was told that cheque has been delivered to me. When I told them that I have not got the cheque they gave me shippment number of "BLUE DART COURIER" and told to check with them. Blue dart told they have delivered on the address which was given by ICICI.

6. I again called ICICI Lombard cutomer service and told them to cancel the cheque and issue a fresh cheque on my name. I was given complaint no. 3101149 and was assured cheque will be delived in next 7 days.

7. Again i called customer service after 7 days, they responded by saying that cheque has been delivered long back to me. I had to again tell the whole story and i was given a fresh complaint no. 3138780 and told to wait for 7 days.

8. It has become a total nuisance for me and already two months have passed. It is a displayof total unprofession attitude and is not acceptable from a company of such repute.

9. I strongly recommend all users NOT I repeat NOT to insure through ICICI Lomard for your own good

Hi,
I got a call from ICICI Lombard people saying that if i take their policy they will the increase the limit of my credit card to two lakh rupees and by putting a condition that if and only if i paid the first EMI of the policy.
Then after one month i paid the firstEMI of the policy but the credit limit hasn't been increased till now and after that I called the ICICI customer people and what they said is surprising that there will be no offers like that and the credit limit will be enhanced only if by providing the latest salary slip and called for the cancelleation of the policy and they said i have to pay 1600 Rs towards ICICI Lombard if I cancelled the policy

Plese help me in this case

Ploicy No: 4034/FPP/03582423/00/000
Name : Ashok Podugu
Mobile No: [protected]

Simply want to say not to buy lombard policy as these people are specialised frauds. They will tell you lucarative things when they will try to sell their policy but i suggest you that if you are under the age of 35 then never think to buy thier health policy as they simply will not hear you when you claiming your bills at the time u need money.

REFERENCE NO. [protected] DATED 12TH JUNE, 2008.

I, GAJENDER SHARMA RENUE MY ICICI LOMBARD INSURANCE ON 7TH MAY, 2008 OF RS. 9381/- AND ICICI LOMBARD MISUSE MY CREDIT CARD OF HDFC BANK. I NOW BANK NOT TO REASY TO PAY THE AMOUNT AND BANK CHARGE AND I FOLLOWS LAST TWO MONTHS MY EXPENSES ALSO ALONG WITH COMPASSION AMOUNTS.

MY HDFC CREDIT CARDS DIVISION DEBIT IN MY ACCCOUNT FINANCE CHARGES ALSO.

THE DISCUSSION WITH ICICI ON CHAT BE ATTACH WITH THIS MAIL.

24/6/08
afrin: Good Afternoon
afrin: you have reached ICICI Lombard 24x7, how can i help you?
gajender sharma: If you charge two time payment of my credit card what we do.
afrin: regarding what charges are charged to you
gajender sharma: My Health policy.
afrin: Please help me with your policy number.
gajender sharma: 4034/HIR/03560505/00/000
afrin: you want to say for renewal you are charged two times
gajender sharma: ref. no. [protected] dt 12/6/08
gajender sharma: yes
gajender sharma: 1st time on 7th May, 08
gajender sharma: 2nd time 9th May, 08
afrin: you have placed request for same issur before this
afrin: For verification of your identity, kindly verify the following details:
afrin: • Name,
afrin: • Date of Birth,
afrin: • Contact No (Landline and Mobile),
afrin: • Email id,
afrin: • Address with Pin Code
gajender sharma: Gajender Sharma
gajender sharma: 27/9/74
gajender sharma: [protected]
gajender sharma: [protected]@yahoo.co.in
gajender sharma: Flat No. 203, 2nd floor UTC Millinnium Building, Shalimar Garden-II,
Please wait for a site operator to respond.
You are now chatting with 'afrin'
afrin: Good Afternoon
afrin: you have reached ICICI Lombard 24x7, how can i help you?
gajender sharma: If you charge two time payment of my credit card what we do.
afrin: regarding what charges are charged to you
gajender sharma: My Health policy.
afrin: Please help me with your policy number.
gajender sharma: 4034/HIR/03560505/00/000
afrin: you want to say for renewal you are charged two times
gajender sharma: ref. no. [protected] dt 12/6/08
gajender sharma: yes
gajender sharma: 1st time on 7th May, 08
gajender sharma: 2nd time 9th May, 08
afrin: you have placed request for same issur before this
afrin: For verification of your identity, kindly verify the following details:
afrin: • Name,
afrin: • Date of Birth,
afrin: • Contact No (Landline and Mobile),
afrin: • Email id,
afrin: • Address with Pin Code
gajender sharma: Gajender Sharma
gajender sharma: 27/9/74
gajender sharma: [protected]
gajender sharma: [protected]@yahoo.co.in
gajender sharma: Flat No. 203, 2nd floor UTC Millinnium Building, Shalimar Garden-II, Shahibabad-GZB-201005
afrin: ok
afrin: I Apologize for the inconvenience caused to you
afrin: sir right now our system is under up gradation so i am not able to check further details
afrin: kindly chat after 1 hour
afrin: we will surely assist you
gajender sharma: Ok, I under stand our problem, but I don't other option go to Consumer court, becose you have misuse my credit card.
afrin: sir as your request is already placed as you gave me request number
afrin: accordingly it if it is charged twice one amount will be reverted to you
afrin: i am not telli
gajender sharma: what about bank interst.
afrin: i am not able to provide you right now confirm status of request
afrin: because o[censored]p gradation
afrin: i am not able to provide you right now confirm status of request
afrin: because o[censored]p gradation
afrin: so kindly chat after
afrin: some time so that we will be able to tell you that what is the current status
gajender sharma: I don't have time to chat with. I want ask you, you will pay interst of not.
gajender sharma: I don't belive you, becouse afer + month +17 day ?????????????.
gajender sharma: I want close this issue today at any how.
gajender sharma: ///////////// ?????????
gajender sharma: jkll;jl;
gajender sharma: Helloooooooooooooooooo
afrin: you can kindly be on line as soon as system will be up dated we will chek the status and let you know
gajender sharma: I am may time try to solve, but no body help to me.
gajender sharma: Today I am call to costomer care he ask me proof iof payment.
afrin: because o[censored]p gradation i can not check the status so i will request you to contact after some time
gajender sharma: OK, If you charge two time, what you do as per bank policy.
afrin: as per insaurance policy wardings we revert the one time amount
gajender sharma: and what about bank charge
gajender sharma: hi,
afrin: we will be rteverting only the money
afrin: which we have received to our end by mistake
gajender sharma: Or bank interst.
afrin: no sir amount which is debited twice from that onetime amount we will be reverted to you apart from that any of amount will not be reverted
afrin: from our end
afrin: Good Afternoon
afrin: you have reached ICICI Lombard 24x7, how can i help you?
afrin: sorry for typo
gajender sharma: I am putting ths case to Consumer court.
gajender sharma: Hellooooooooooooooooooooo
afrin: Your patience is appreciated. I will be with you shortly
afrin: as our system will be up dated i will let you know the exact status
afrin: be on line
gajender sharma: thanks.
afrin: ok
gajender sharma: hi,
afrin: Your patience is appreciated. I will be with you shortly
gajender sharma: Please do your job.
afrin: be on line
gajender sharma: .
gajender sharma: hhhhhhhhhhh
gajender sharma: any body in your team handle this case. please call and discussed with me on my cell [protected] or contined.
gajender sharma: kya hua...
gajender sharma: ant body????????????
gajender sharma: any body??????????????
gajender sharma: please reply.
gajender sharma: ...
afrin: kindly be on line
gajender sharma: I think no body in your team so please close this business it is not nacessary to pay salary with any work please.
gajender sharma: I don't under stant what you want.
afrin: sir as system under up gradation so i am not able to tell you the status now
gajender sharma: I want want to speak your senior person.
gajender sharma: Now I am finaly case file to Consumer court.
afrin: as your request is registered for same issue the amount which is charged to you twice it will be reverted to youy
gajender sharma: any Qus.
afrin: first contact with your bank about the refund
afrin: as request is placed
afrin: check from them any amount is been reverted in your account or not
afrin: confirm with them you will come to know
gajender sharma: how it is possible to debit the amont without any request by ICICI Lombard.
gajender sharma: Till time -NO
afrin: when your request get registered in lombard for double debit we refund the money to your credit card department only
gajender sharma: WHEN
afrin: as i am checking in system with your request number same response we have got from our concern department
afrin: kindly contact with respective bank for the refund amount
afrin: first please check with your credit card department
afrin: if any amount is not reflecting as an credit you can let us know so that we can assist you
gajender sharma: just tell me if I closed my policy, how many amount refund today.
afrin: for the same
gajender sharma: Not any refund.
afrin: i will request you check your credit balance first so you will come to know
afrin: about thre refund of extra amount
gajender sharma: sorry
afrin: sir have you checked with credit card department
gajender sharma: What about intrest.
afrin: we will not pay any of interest we will only pay the amount which is double time charged to you
afrin: for interest you will have to contact with the bank
gajender sharma: which bank.
afrin: your credit card belongs to which bank same one
gajender sharma: HDFC
afrin: yes
gajender sharma: Please give the reference no.
gajender sharma: ..
afrin: you will have to only confirm with them that amount has been credited in your account or not reference number will be the same which you provided me as request number [protected]
gajender sharma: bank asking the refence number
gajender sharma: Bank trans ID no.
afrin: [protected] from our reference number they will not be able to check any details in their system
afrin: you only confirm the account status with them and let us know
afrin: we will do the needful asap
gajender sharma: you confirm you have debit in my credit card.
gajender sharma: just tell me if I closed my policy, how many amount refund today
gajender sharma: just tell me if I closed my policy, how many amount refund today
gajender sharma: just tell me if I closed my policy, how many amount refund today
gajender sharma: total amount.
gajender sharma: same
gajender sharma: same
afrin: when we will take the request at that time you receive a call in that call you will come to know about charges
gajender sharma: before discontine the policy I want the amount.
gajender sharma: same
gajender sharma: .
afrin: The refund grid is as below mentioned.
gajender sharma: ?????????????
afrin: 1 year Refund
afrin: Durations Refund amount
afrin: 0 to 3 months
afrin: Full Refund of 1st year 60% & Full Refund of 2nd year 40%
afrin: 3 to 6 months Refund should pay 1st year 25% of 60 % & Full Refund of 2nd year 40%
afrin: 6 to above months Refund should pay 1st year Zero % of 60% & Full Refund of 2nd year 40%
afrin: 2 year Refund
afrin: Durations Refund amount
afrin: 0 to 3 months
afrin: Full Refund 2nd year 40% & not 1st year 60%
afrin: 3 to 6 months Refund should pay 2nd
afrin: year 25% of 40 % & not 1st year 60%
afrin: 6 to above months Zero % Refund of both years


gajender sharma: I want to know total amount.
afrin: if you will place request concern team will give you a call in that call you can confirm details
gajender sharma: wait, Just I am confirm form HDFC abnk.
gajender sharma: same
afrin: Is there anything else I can help you with ?
Chat session has ended.

The insurance has been claimed without my knowledge against my credit card no. [protected]

I haven't received confirmation call or any documents regarding the insurance. I have been complaining through telephone since I came to know the insurance has been claimed. Everytime I call, I'm told that it'll get cancel. Once it got cancelled, but again, the amount has been charged again. Why this tardy and untidy response? I'm frustrated. Cancel it immediately.

Regards,
Ramya

I have taken up an ICICI Lombard policy in the name of Bharti Sharma and Saurabh Sharma in May 2008.
We made the payment via ICICI bank Credit Card.
When I received the credit card statement for this month i was surprised to see that two amounts i.e Rs. 8972 & Rs. 5860 have charged to my account. And when I spoke to your customer care department, I was more surprised to know that instead of one policy two policies have issued in my name.
In view of the fact that I have cancelled by both policies, I was suppose to receive whole amount back to my account but ai have come to know that some cancellation fees have been charged to me which I am absolutely not suppose to pay because you i.e. ICICI LOMBARD has done mischief and FRAUD with me by misusing my Credit Card Details and by issuing two policies instead of one without my information.

Dear Sir,
Two month back i got Postal documents reported of icic lombord health policy for one year worth 300000/=, even i have not submitted any request for this policy & later i got SMS from barclaycard Statement due in which they claiming me the account balance of 3822.94 Rs. due amount Rs. 681.27 Rs need deposit on 28 jun 08 .when i had not used my barclay card since i got the card.
I asked about this statement to barcly customer care they updated me about that this amount has been transferred to Icici lombord because we have your signed documents even i have not signed any form & also Barclay have not confirmed the approval from me about this transaction.
I told them it is fake because i have not summit any form or i have not signed any document then how this transaction has been made & request them to stop any further transaction.
now i request you to inquiry about the issue & i want a compensation for this illegal policy & fake signicture
hope i will get revert back from you as soon as possible
thanks & regard
Noor Mohammad
Fake policy No. 4034/bpp/03490630/00/000
Card no ihpn[protected]/01

I have been victim to kind of a fraud comitted by lombard
My Policy number: 4034/HIR/03466522/00/000 - Shantanu C Rao

I had renewed my policy over the phone in April 08 and had instructed to charge my ICICI Credit card [protected] for the monthly premium. It was told to me that the premium would be around approximately 400 per month.

Despite of these clear instructions ICICI Lombard has charged my EMI Card which I have not used ever since I received it. I don’t even carry it along with me. I have not used the card or given the number to any one in last 1.5 years. Who authorized ICICI Lombard to debit the monthly premium from my EMI card? I had even forgotten that I own such a card. How did this happen.

I am charged with late fees and never the less as being an EMI card I am expected to pay 4000/- minimum amount where as if it was my credit card it would have been 400/- per month for 2 years. This is total fraud, trying to extract the 2 years premium in 3 months in a bulk amount.

This is shear nonsense and I have requested to cancel my policy. And the customer service person could not even do this.
I will not pay any amount to my EMI card nor will I pay any late fees. The Lombard people should sort this out with the credit card department. You have lost your customer due to ignorance and deception of your customer. I will make sure that I will prevent as much as people that I can from coming to you.

I want this matter sorted out and I will not follow up with the credit card department because I have spent 4 hours – of a week day following up with Lombard and credit card department. And your customer service sucks. I was tossed f om department to department, and from person to person ending with more frustration and no solution.

I will go to the consumer court or even the police for a fact if I am troubled with this matter. I will really get the media pouncing on this issue.

Sort this out ASAP

Dear Sir/Madam

I have applied for my pan card in April through internet. I have paid through credit card my Acknowledgement no is [protected]. I have posted my identity proof along with my stamp size photo and the acknowledgement letter to the mumbai address. Its been two month now i have not yet received my pan card no. and nor the pan card. Even when i check the status of my pan card in the NSDL site it shows that it is under process. I dont understand what is the problem and even i dnt have the source to know if anything had gone wrong. I have send a mail to NSDL site also regarding this but i have not received any clarification regerding this. I am totally disatisfied with this and at the same time i am also facing problem in my official purpose.
I strongly condemn such act.

Sashank Bhuyan

From Date: June 9, 2008
Arvind Waze
Nerul, Navi Mumbai


To ICICI Bank,
Credit card Division,
Mumbai
Dear Sir,
Reg: Rs. 24261/- charged to my Credit Card

This refers to SMS message sent by you on 04/06/2008 at 19.05 PM (on my mobile no. [protected]) regarding above transaction on account of my Credit Card no. [protected]. In this respect I wish to inform you that no such transaction is authorized by me. I demand immediate reversal of the amount wrongfully charged to my Credit Card account. I further wish to inform you that I received a call from your representative on my mobile phone who told me on phone that he was calling from Chennai. Your representative started talking about my Credit card transactions. He informed that I was using Credit card in a decent manner & paying the dues regularly. Due to my prompt repayment record I am selected for a particular health insurance plan from ICICI Lombard Insurance. This being gift for Tamil New Year. The policy will help me in case o[censored]nforeseen medical expenses. I told him that I am Bank employee & I do get reimbursement of medical expenses from my bank as per rules, therefore I do not need this plan. He insisted that I must understand the benefits of scheme to which I agreed only as matter of courtesy . He explained the plan to me as under:
1. The policy is for Rs. 4.00 Lac for a period of two years. Rs two Lac for each year. Then he revised the statement saying that policy is for Rs. Six Lac& three Lac will be covered each year.

2. The premium amount will be Rs. 24261/-in single installment or else Rs. 1142/- as EMI for twenty four months.

3. I can claim expenses in respect of treatment @ Rs.1000/- per day for outdoor medical expenses if it is for five days or more with maximum of Rs. 17000/- The insurance amount of Rs. 3.00 Lac will remain intact for hospitalization claim during the year. This facility can be availed only once during the policy period.

4. He further informed me that if do not claim any thing during two years of policy then I will get Rs. 30000/- as unclaimed bonus (@5% of policy amount.

5. The expenditure limit on my credit card which is presently Rs.47600/- & cash limit is Rs.23800/- will be increased to Rs.150000/- for both. Out of this increased limit premium amount Rs. 24261/- will be earmarked and will be released gradually on receiving EMI amount monthly.

The premium amount will be charged only if I agree to terms & conditions of the policy for which I will be receiving information brochure shortly. He then told me that officials from Lombard insurance will call me shortly as verification call. After this I got call from Lombard insurance company who confirmed my personal details on phone & my telephonic conversation with your representative. I told them that I have agreed to see the brochure & if found satisfactory I will subscribe to the plan. I was surprised on getting the SMS about charging my card account with Rs.24261/- . I immediately called 24 hour help line number for Mumbai 28307777 & enquired about the transaction. The call centre attendant transferred my call to ICICI Lombard official. The official there informed me that whatever is explained to me as above is not true however policy document will be dispatched shortly & if terms & conditions are not up to my satisfaction the policy will be cancelled. I do not see any point in going through the policy & then demand back the amount charged to my card. I hereby refuse to accept the document & demand reversal of amount charged on my account. I will not be liable to pay any amount on such unauthorized transaction. Please note it.

A.G. Waze

icici lombard gic kottayam office making fake motor policy.
kottayam office collect Rs.616 for motor insurance under the cover note no.TD2725575.
then they issued Policy No.3005/50319780/00/000 under another cover note no.TD 2821145.
in policy no vehile no. and others.
please contact [protected]@gmail.com we will sent all about this matter via e-mail.

Grievances Redressal,
Mr. Harshil Mehta, Nodal Officer, ICICI Bank Ltd., C-Serv, Phone Banking, 5th floor, Md. ILLAYAS Khan Estate, Above Music World, Road No. 1, Banjara Hills, Hyderabad-500034.

Sir,

The ICICI Lombard Health Insurance, through their telemarketing, offered to the undersigned cashless health insurance scheme. It was given to understand on telephonic conversation that the undersigned has to pay an amount of Rs.12674/- and this amount will be kept aside from the credit limit against my ICICI Bank Credit Card No. [protected]. It was agreed to deduct the amount in twelve (12) EMIs. Now from the Credit Card Statement dated 29/5/2008, it is seen that an interest of 97.23 along with service tax of Rs.12.02, in addition to 2nd EMI amount of Rs.1017.03 has been charged against the ICICI Lombard Health Cashless Insurance Policy (4034/FPP/03338177/00/000, dated 29/2/08), which is contrary to the discussions held on phone banking marketing of the policy. It was not mentioned during the discussions at the time of sale of policy that interest charges will be addition to EMI amount. This amounts to levying of hidden charges and are not acceptable. The interest plus service charges may kindly be reversed charged for the first and second installment and in future these charges may not be levied and dispensed.

The next grievance is that ICICI Lombard has provided a free health check coupon along with the policy. I made calls at the given numbers [protected] and[protected] for appointment. But to utter my dismay, the phone went disconnecting time and again without conversation having been completed. Once connection was established and I was informed on phone that appointment will be fixed to the nearest hospital of my residence, empanelled with ICICI Lombard but till date there is no conformation.

Kindly look into the matter, reverse the hidden charges and send a suitable reply.

Thanking you,
Mohan Lal Sidana.

From,
amod bothra
203 ajanta park
atop nagar
bhatar road
surat
ph- [protected]

sir
i amod bothra holding credit card no. [protected] of icici bank, now the matter is :-from the icici lombard insurance co. ltd had called me on 14.01.08 for the health insurance but i had refused their proposal, even they had swip the amount of apprx.11000 on 18.01.08 and appx. 8000 on 19.01.08 for the same policy twice in the unauthorised way(WITHOUT TAKING MY AUTHORITY TO SWIP THE CREDIT CARD FOR THE SAME POLICY WHICHEVER THEY HAD PROPOSED ME). and when i had received the policy i had complaint to the icicilombard for cancelling the same policies more than 3 times, now they r saying that u had cancelled the policy after 2 month of receiving and i(amod bothra) hav to bear the cancellation charges of rs aprrx. 2500, and they had call me more than 10 times and threaten me to pay the cancellation charges even i had written complaint to them to take legal action against them(icici lombard)and the credit card department who is also involve in the matter.
so sir pls do your needful
thanking you

I was the employee of MNC and have health card (ICICI Lombard), payments through credit card only.
The facilities of Lombard are similar to company facilities so, I feel to cancel the card.

At the time of cancellation they are telling like:
1. cancellation u have to pay 2800/-
2. I[censored] don’t want to pay continue the policy
(Note: now I am continuing the policy, there is no other option.)

I was really shocked the reason is: every month I paid Rs. 280/- (6months means nearly 1680/-) and I didn’t use that card even though for the cancellation I’ve pay 2800/-. Totally 4480/- . Is it having any sense?
If I use the policy then I’ll pay the money with out using why should I pay?
What the management of Lombard doing? They want to take money from customers with out providing any facility? There rules are really meaning less…

At the time of starting the policy the agent told me like:
1. You can get more and more features (telling some nonsense means high lights the small good features and hides the main and important points).
2. When ever you want you can cancel the health card
(The Agent Name: Sujatha - Hyderabad)
The main point is first they join us as policy holder/member then only they send documents for that policy. They really chatting the customers.
What should I do now?

BEWARE OF HEALTH INSURANCE CLAIMS


We hold ICICI Lombard General Insurance vide policy No. 4034/FNP/01964651/00/000 and we applied for Reimbursement Claim No BLC-02-08-CN-L13497 on 4th Feb 2008.


I had the worst ever experience in dealing with ICICI Lombard General Insurance and
TTK Health Care Services (P) Ltd, Mumbai the third party who handles the reimbursement.

I am going to write to you in brief as to what had transpired between me and TTK.

On 4th Feb 2008 I sent my claim papers to TTK Mumbai. Before sending my papers I called up the customer care of TTK and informed them that I do not have the consolidated bill except for the weekly bills along with the payment receipts. They said that would suffice so then I sent my first set of papers.

I received a letter dated 12/02/08 from TTK Mumbai asking me furnish the following information which I sent on 26th Feb 08.

REQUIRED ALL ORIGINAL INVESTIGATION REPORTS

REQUIRED ALL PRIOR CONSULTATION PAPERS WITH SUBSEQUENT PAPERS OF TREATMENT FOR FEVER ON AND OFF.

In that letter there was no mention of main hospital bills and receipts requirement which clearly indicates that my papers are in order.

I followed up with TTK every week and always I had a standard answer that my claim is under process. This went on for weeks and months. Its more than 3 months I submitted my papers. The best part is the Executive at the call centre never puts me on the higher ups. With great difficulty managed to get their Asst. Manager-Claims, Mr. K. Dhananjay who promised to do something. After repeated STD calls to Mumbai I was told Mr. Dhananjay was no longer with TTK. I was asked to get in touch with Ms. Nirjara, Manager-Claims whom I never got on line after repeated calls. Sent a mail to her. Till date awaiting her reply. There was no proper response from TTK hence I was forced to contact ICICI Lombard General Insurance in this regard. We contacted their supervisor Mr. Raju 15days back who gave us request no: 70508471 and promised latest that evening would settle the issue. That evening is yet to come. Disgusted got in touch with Mr. Jayanth who also promised but his promise is still pending

We sent a mail to Mr. Praful Karkera, Customer Care Unit, ICICI Lombard General Insurance, who wrote to me that in the documents submitted are inadequate. Why was TTK sitting on my papers all these months when there was no written communication from their end?


I don't have any documents to be submitted. Even if I am to submit the main hospital bill I need to return all the original weekly bills back to the hospital pay them the requisite fee and wait for 3 weeks for them to dispatch. They do not hand deliver. All my weekly bills are with TTK, Mumbai.

Because of this inordinate delay I am deprived of my claim from my other Insurance Agency. Every body needs the originals.

” I want to know only one thing”. WHY DID IT TAKE MORE THAN THREE MONTHS TO PROCESS MY CLAIM.

This is what Health Insurances are it appears. This is the saga of grieving parent over the insurance policy system. A normal expectation is insurance amount would come handy for treatment purpose. Far from that we are running pillar to post to get back the amount. Let readers decide and Beware of tall promises of certain Insurance Companies and not fall pray to false advertisements and claims by the company

To,
Shri K V Kamath
Chairman
ICICI Bank

Subject; Fraudulent practices by ICICI-Lombard General Insurances

Dear Sir,

I am a Customer of ICICI bank since year 2003 and is very happy to say that I am more than satisfied with the services provided to me and other customers by ICICI Bank.

This particular note is just to inform, what is happening in ICICI-Lombard General Insurances Company. This could be an isolated case with me which would be explained in following paragraphs, but I feel that this must be brought to the notice of the highest officer of the company and other related with the Insurance business.

1. I got a call from Mumbai office of ICICI or ICICI-Lombard office asking if I am Vijay Kumar Taylor. I said yes.
2. The person on the line said that you are our privileged customer and we would like to gift you an Insurance policy. I said, I already have one from my company and I don’t need other policy.
3. The person on the line repeatedly requested and called me over my mobile saying that the Insurance policy would without any cost so there is no harm in having two policies.
4. I said that I don’t need. The person on line from ICICI again and again called and said that we have new tie up with Lombard and we need to show some business from our (ICICI) side that is why we are planning to gift few policies to our privileged customers. He continued to request me till I had to say ok lets hear about the policy.
5. The person on line explained that myself and my wife would be covered under the policy and the policy would be sent to my address directly.
6. I asked how it is possible to issue Insurance policies with out any charges (or gifted).
7. The person replied that sir, as we have JV with Lombard and we have to show some business from our (ICICI) side, the policy would be issued at some EMI which would be reflected in your Credit card. I said I don’t need to see any thing on my Credit as the same is kept under my Locker because I would never use the same. The person asked why?. I said I have bitter experience o[censored]sing the Credit cards and the present ICICI Credit card has been sent to while I shifted my account from Valsad to Indore.
8. The person said that sir there is no need to worry. The Charges in the Credit card statement would be reflected, but no need to pay the same.
9. I was not convinced with his argument but due to his repeated calls I said ok let me feel he experience of ICICI doing so. The person said that some body from Lombard would call you to confirm and record the acceptance of the policy on my credit card and I have to just say ok in respect of deduction of policy charges from my ICICI Credit number [protected]. He repeatedly said that no charges would actually be demanded from you by ICICI. I was smelling something wrong.. A call came immediately after some time saying that they are calling from ICICI Lombard to confirm some details. I tried to avoid and did not respond to the first call still fearing that probably something wrong what has been stated by your person from Mumbai. The came once again and requested once again regarding confirmation of some information’s. All this was happening to me in my office continuously on the same day. I got fed up and said ok please ask what you want. The person on the line was asking about the general information regarding address, my Credit number etc and finally asked do you accept the purchase of policy, which I replied as briefed by previous your person.
10. A policy bearing number 4034/FNP/02199966/00/000 wit cards was received by me just based on the telephonic conversation with your person from Mumbai in May 2007. I just kept the policy in the cupboard of my office.
11. Nothing of any sort about the Credit card and demand of money came to me till 1st week of December 2007. The Credit card statement for the month of November was received at my address showing a Total amount of Rs. 14974=34 due to be paid by me. I just did not bother as per the words of the person who initially called me from Mumbai.
12. I was not comfortable with the Credit card statement demanding me to pay the above mentioned amount. I felt some thing fishy about all this. I immediately called your person at Mumbai and asked to cancel all this privileged Insurance issue.
13. I got the policy cancellation letter from Mumbai office in 2nd week of December 2007. I felt relaxed.
14. But the Credit card statement sent to my address for the month of December 2007 showed a recovery of Rs. 4347=00 and still the amount due to be paid by me was shown as Rs. 11499=47. I thought that some process in installment is taking place of reversion of the amount shown in my Credit card.
15. But the Credit statement for the month of January 08, February 08 and March 08 kept on increasing. I just kept them all Credit card statement together to see what going to happen with the fish which was smelling since beginning.
16. One fine morning a call came on my mobile, asking me to deposit the dues of Rs. 14048=96 reflected in the statement of March 2008. I said what for I should pay the amount as I was told that it would just an statement to show Lombard (JV Partner with ICICI) that some EMI are being deducted. But the lady on the line started saying that nothing of this sort happen in ICICI . I really got a shock as well curious to know what’s all this about.
17. I said to the lady I am not going to pay the dues mentioned in the Credit card statement. I was shocked to see the response of the lady who said that the amount has to be paid by you otherwise their people would come to my place and recover the money.
18. I said to the lady that there is no need to come to my place and right now I am coming to your ICIC Bank. I visited the ICICC bank, AB Road Branch and desired to meet the concerned Manager of the Credit card section. I was satisfied with his response who sid that ICICI Credit card section and ICICI Lombard are separate identities and what ever is demanded as dues on Credit card is due to the purchase made by the Customer. I said that I have never used the Credit card sent by ICICI till date as the same is kept under locker.
19. The Manager Credit card section, ICICI Bank listened the whole episode and agreed that some thing of this sort is happening and he only informed me whatever you confirmed to the person calling from Mumbai, based on that your EMI has started reflecting in the statement . I said I already got the policy cancelled and reversion of amount started in December 2007. He Explained that if the three EMI are not paid as per the Credit card statement by the customer, the entire amount of the policies is charged in the Credit card by the ICICI-Lombard General Insurances Company. I was shocked to hear this as it was never told to me by any of the concerned person. Then I said that the Credit statements were not received by me till November 2007 (6 month after the issue of policy). The Manager Credit card section generated all the Credit card statement since June to October 2007.
20. I asked the Manager that when the policy is cancelled and policy charges reversed, then why are you continue to sent the statement. The Manager explained that probably the ICICI-Lombard reverted policies charges for some period and no further changes are reversed so ICICI Credit card can not do any thing about this and unable to send Zero balance statement. He advised me to visit ICICI-Lombard office at Indore and request for the reversal of entire policy charges.
21. I visited the ICICI-Lombard office and try to submit an application. The lady at the counter refused to acknowledge the receipt of my application. I said that at least listen to the content of the application which she listed but without any response. The Branch Manager ICICI-Lombard also came during the discussion but his response was not at all satisfactory except saying that they would act on the what has been written in the application and would informed me accordingly. I had mentioned my mobile number on the application.
22. Nothing happened/ no information sent to me on my application for 38 days. Then I had to visit the ICICI-Lombard office at Indore once again. The lady at counter checked and said that they have received the response. She told me to listen some recorded audio and based on that she said that I have accepted the policy. I said that its not the true what is being told to me and if she would like to know the facts, please listen to the conversation which had happened prior to the audio version made available to me. She flatly refused that only acceptance audio version is recorded and nothing committed before and after on phone is recorded so the same can not be made available to me.
23. I felt like an Englishman is cheating to a Indian villager. I was so angry from inside thinking that such type of things are still prevailing MOST PROBABLY DUE TO THE THINKING OF JV INSURANCE COMPANY PARTNER THAT INDIANS ARE STILL VILLAGERS AND .
24. I wrote one more application requesting to resolve the issue saying the cheating has been done by ICICI-Lombard by making false statement copy/audio version of which is not being made available to me. The lady at the counter once again flatly refused to receive my application leaving with no choice to loose temper. The lady at counter talked to Branch Manager and told me that Mr. Kartikesh Paliwal is coming to resolve the issue.
25. Mr. Kartikesh Paliwal came after 10 minutes during which period I was offered Cold Water and Coffee. One More lady Officer came in and started talking very sweetly. I had to explained everything from the beginning thinking that probably these officers would be able to or take interest in resolution of the issue.
26. After few minutes I understood that the Branch Manager and other lady officer are very much tuned to handle and well aware of the fraudulent practices going on in ICICI-Lombard General Insurances Company.
27. Still both the officer refused to acknowledged my application and stated that the application be sent by courier officially, however they accepted one Xerox copy stating the action would be initiated.
28. This date is[protected] and there is no response till date from ICICI-Lombard General Insurances Company, Indore or Mumbai.
29. One more strange thing, that till date since March 2008, I have not received any Credit card statement. I DON’T KNOW WHAT ALL IS GOING ON INTERNALLY BUT MY ISSUE STILL NOT RESPONDED. I AM NOT SURPRISED, IF I GET AND CREDIT CARD STATEMENT ASKING ME TO DEPOSIT Rs. 50000=00 AND A CALL ON ANY OTHER DAY OTHER WISE SOME PEOPOLE MIGHT COME TO MY PLACE TO RECOVER THE SAME FROM ME.
30. I am sending this detailed note for your review not with the interest that my problem is resolved, but with a sincere view that other are prevented from this type of fraudulent practices.
31. I do not know whether this note would reach to you or not, therefore requesting the all concerned who are in receipt of this note to please take up the issue or send this note at proper place in the interest of the common man

MY SELF PUNAM KATARIYA WANT TO SHARE SOME UNFORTUNATE EXPERIENCE WITH THIS COMPANY.
I HAVE TOOK ICICI LOMBARD HEALTH INSURANCE POLICY THROUGH PHONE ON MY CREDIT CARD ACCOUNT IN FEB, 08 AND THEY SAY YES YOUR DOCUMENT WILL BE FORWARDED TO U WITHIN 21 WORKING DAYS, IN MARCH WHEN NO DOCUMENT ARRIVE AT MY HOME I REQUEST TO CANCEL MY POLICY AND REQUEST NO IS 23030882 AFTER SOME DAYS I RECEIVE ONE PHONE CALL FROM ICICI MUMBAI BRANCH THE GIRL WAS TELLING ME THAT WHY U R CANCELING YOUR POLICY I[censored] CANCELed POLICY THIS TIME U HAVE TO PAY 1700/- RUPEE AS CANCELLATION CHARGES!!! FOR THIS REASON I TOLD HER TO CONTINUE MY POLICY AND send DOCUMENT OF POLICY AS SOON AS POSSIBLE! SHE AGREES!!

IN APRIL I GOT FIRST EMI BILL OF POLICY WITHOUT ANY DOCUMENT!! AND DUE DATE WAS 20TH APR!! THEN I AGAIN ARRIVE BANK TO CONFORM THAT MY DOCUMENTS ARE NOT ARRIVED THOUGH I HAVE TO PAY BILL?? THEY TAKE REQUEST OF CANCEL MY POLICY BUT NOT TOLD ME TO SEND REQUEST OF CLOSE EMI !!! AND I REQUEST AGAIN TO CLOSE MY EMI AND REQUEST NO IS[protected].

I HAVE PAY MY FIRST BILL!! BUT DUE DATE WAS GONE SO THEY GENERATE ONE BILL OF 1062/- SOMETHING!!

I WONT PAY THIS BILL!!

COULD SOMEONE LOOK INTO THESE MATTER OR I AM TAKING THESE TO CASE TO CONSUMER COURT NO MATTER WHAT.

AS I DON’T HAVE ANY PROOF OF WHETHER I TOOK IT OR CANCEL IT !!

I received a call on April 19th from an agent of ICICI Lombard, and furnished the details of insurance plan, in which i was not interested. I was asked to say "YES" to an atomated call,
i was not clear enough in doing that so i said yes.I am yet to receive my credit card, even before that a sum of 18000 is dedected for this insurance plan, also i received the documents required for joing the plan on 2nd of this month.Its is really frustrating that even before i get my card its been activated and used without my concern.

I request you to cancel the insurance plan and credit card which i am yet to receive.kindly do the needfull..

Sir,
I H.pruthviraj jain took helth insurance from icici lombard general insurance bearing the no:4034/CHT/03022126/00/000. so many requests from credit card call center one of my youngest son studying sixth standard say yes to their request.The call center people said to me you and your wife will get 3 lakhs coverage each plus Rs1500 worth gift voucher and cash less card accepted by major hospitals in my town.I enquired 9 out of 11 hospitals, they said you had to pay first and you will get reimbuersment later.I didn't get gift voucher promissed by the call center people.I get 3 lakhs coverage only.With in 24 hours cancell the policy but i didn't get the full reimbursement.They charged me Rs1592 as cancellation charges.The policy amount is debited from my icici credit card.This not refunded amount credit card people charging me service charge plus intrest and penalty charges from januvary 2008 onwords.Approch local lombard branch and registred complaints so many times but every time they giving a new requist number but no response.call the callcenter people somany times but the responce is same "you didn't get back your ammount".Please do the justice.
Through some body help i am complinting through internet because every time lombard people are asking my e-mail ID.But i dont have that much knowledge.,
With Regards,
H.Pruthvirajjain,
Nellore, Mobile no:+91-[protected]

Dear Sir,

I had applied for icici bank credit card, after 3 months i.e.
In the month of January -2008 i got a call from icici bank,
telling that "We are sorry to delay in dispatching credit card,
you will get a call from my supervisor, please tell him your credit
card number and valid from and valid up to dates as i tell you, and say 'yes', If he ask did you receive the credit card".
after 5 minutes i got a call from icici bank describing the
icici lombard heath insurance policy, it will pay in-patient expenses up to Rs300000
for u on paying 2000Rs. per year.
i feel its looking good but i did not tell him to deduct amount
from credit card.

Now the icici bank deducting amount from credit card with
fixed EMI for this policy.

I called customer care center icici lombard insurance telling
that " I don't want to use credit card for this transaction"
but he replying "if you don't want to use credit card, you have to
pay the full amount Rs6500/- and there is no installments"
and i asked him to cancel the policy, he replied that
"you have to pay Rs2500/- to cancel the policy"

1) Now i am not sure i will get benefits from this health insurance.
even If i pay full amount to avoid the interest.

2) If i want to cancel the policy I have to pay Rs2500/-

Please tell me what is the solution for it ?

Thanks,
Mujahed.
Bangalore.
[protected]@yahoo.co.in
mobile: [protected]