Reference to Policy number - 4030/W-369655/00/000 - I have taken an overseas travel policy in Chennai for a travel to US for 6 months. Based on the policy’s refund procedure, I am eligible for a refund of the unused portion (3+ months) because of my returning back to India.

I am a senior citizen, and I had to talk more than 6 times, and Email more than 8 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query.

I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide.

I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I am getting same responses on different dates from a customer service professional - Pankaj Chettri, that I have claimed an amount of Rs.300USD! (same as in his mail) If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed.

If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy.

Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)

I read India Abroad newpaper few months back. This gentleman from NJ bought ICICI LOmbard and came to US. He had a minor heartattack and the bill is around 110k. Now, he is still trying to get in touch with ICICI Lombard to get it reimbursed. As I said, no one is good but American insurance is better than Indian ones. In my parents case, in 2008 my dad had some severe health problems and had to be trated here and we had that from Patriot America. It was decent and enough coverage.

Just buy what works for you.

I have had a bad experience working with ICICI Lombard insurance. Issues i had with ICICI

1) They do not have any rates negotiated with US hospitals. I have seen when your insurance does not have a negotiated rate, an emergency room can cost upto $5000 vs a negotiated rate of $1000 (based on real experience). But there is a cap on how much ICICI will pay for each kind of service which means my out of pocket would have been quite a bit.

2) ICICI will not pay directly to the hospital. You will have to pay the bills directly to hospitals in the US. Take the bills to India where it will be further evaluated. You could potetially sit with thousands of dollars paid and in limbo. I do not have that kind of money to shell and wait

So my experience with indian insurance has been bad. I have not bought any insurance yet from US for my parents. But i am more inclined towards buying insurance in US even if i have to pay a little bit more.

I purchased ICICI overseas student medical insurance 2 years back when I was traveling to the USA for my higher education. My brother works for ICICI and that's what made me take the policy in the first place. He renewed it the first time. I renewed it the second time recently 1 month back. So here is the problem. Though I have paid for the policy I do not have a copy since their system shows an error. I have paid the money, shown proof of payment as amount debited from bank account, shown transaction record, printed receipts, customer interaction numbers and service/complaint requests, all to no avail. My brother, an emplyee has been unable to do anything fruitful either. Everybody blames it on everybody else. I was guaranteed results within 5 business days and it's been a month since I have paid and I am still uninsured. By the way I am bloody sure and have it confirmed that if something happens during this period, I can sue the company since I paid them but they didnt give me a copy of insurance policy. Well, their system apparently cannot generate it and produces an error. Bravo !!!

Bottomline - Stay away from ICICI Lombard student medical insurance, pay nearly same amount for local insurance policies in university.

SR,

We offer another IMG plan that has 100/0 coinsurance. It is called Patriot Platinum America, available on http://www.insubuy.com

Please let me know if you have any other questions.

For further information and discussion, please call us at (866) INSU-BUY.

Hello SR,

Thank you for your interest in purchasing visitors medical for your relative.

Both Atlas America and Patriot America are excellent visitors insurance plans. They are quite similar and from two different companies.

The waiver of coinsurance feature is not there in Patriot America.

Atlas America - If you go in the network and they bill directly, it is 100% up to policy max. Otherwise, it is 80/20 for first $5,000 and then 100% up to policy max.

Patriot America - If you go in the network, it is 90/10 up to first $5,000 and then 100% up to policy max. Otherwise, it is 80/20 for first $5,000 and then 100% up to policy max.

Of course, all of the coverage above is after you pay the deductible.

Other than that, there are very minor differences in those two plans and some of them not even worth mentioning. I suggest you visit http://www.insubuy.com enter the details and compare them side by side. You will see how little the differences are.

I hope that answers all your questions.

If you have any furhter questions, please feel to contact us at any time.

Dear Mr. Khatri,

We need to get medical insurance for our 72 year old relative who will be visiting us for 5 months. There are no major pre-existing conditions.

The Atlas plan seems to WAIVE COINSURANCE within their PPO network. Does Patriot have anything similar ?

Are there any other advantages of one over the other ?

I appreciate the information you have on your site as well as the support that you provide your customers, and intend to buy from InsuBuy.

Thanks,
- SR.

That person's age now is 29 years.

Hi! Narendra,

As per ur earlier advise I m in process of buying atlas america for my fiancee. Her dob is 15 dec 1980. I assume I need to select her age in 20-29 range. Kindly confirm so that i can finish the process of buying.

~ Apurv

Hello,

Hereby I would like to convey my hearty "THANKS" to Narendra and Jagruti for their help, advice in resolving an issue with the insurance company, who denied the coverages on the basis of pre-existing, though it is not true in reality. The team helped me (above and beyond) in asking for the 3rd party appraisal, which eventually came in our favour.

They were easily accessible for any kind of help and I sincerely appreciate them.

I will always go with them again in future.

Thanks,
Babu