ICICI Lombard — International travel insurance: Shreya Gangwar

Address: Falck Global Assistance, Claims Department , C/O Falck India Pvt Ltd, Upper Floor, the Peach Tree, Block - C, Sushant Lok -I, Sector 43, Gurgaon,

To Whom It May Concern,

I am writing to formally lodge a complaint regarding an unresolved issue with my travel insurance claim, which has been pending for over four months. Despite numerous attempts to resolve the matter, I have faced continuous delays and lack of resolution. Below are the details of the complaint:

1. Incident Details:

Date of Incident: March 17th to March 24th, 2024
Location: Munich, Germany
Nature of Incident: Damage to mattress in the hotel room
Amount Paid: 1053 Euros (Invoice attached)
2. Insurance Claim Details:

Insurance Company: ICICI Lombard
Claim Reference Number: IN[protected]
Consumer Helpline Reference Number: ICICILom:[protected]
Complaint Reference Number: National Consumer Helpline Ref. no. 5792926
3. Description of the Issue:
I was required to pay 1053 Euros for the repair or replacement of a damaged mattress during my stay at a Munich hotel. Despite providing all required documentation, including an invoice and confirmation from the hotel that no police report was filed, my claim was unjustly declined by ICICI Lombard.

4. Actions Taken:

Escalated the Issue: Contacted the National Consumer Helpline for assistance.
Insurance Company Response: Claim declined without a satisfactory explanation.
Communication with Insurance Company: Multiple follow-ups have been made with no resolution.
5. Request for Assistance:
I request the following actions to be taken:

Re-evaluation of My Insurance Claim: Considering the complete documentation provided, I urge the authorities to review and rectify the unjust denial of my claim.
Reimbursement of 1053 Euros: The amount paid for the incident needs to be reimbursed as per the terms of the insurance policy.
Compensation for Stress and Delay: Given the prolonged and stressful process, appropriate compensation should be considered.
I have faced significant mental and financial stress due to this unresolved issue and seek immediate intervention to resolve the matter. I request the Government of India to assist in addressing this grievance and ensure that justice is served.

Attached are copies of the invoice, insurance claim documents, and communications related to this issue.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.

Sincerely,

Shreya Gangwar