Rani,

I would like to clarify on your posting.

What they are saying is correct. The exclusion is for PRE-EXISTING conditions, not for PRE-DIAGNOSED or PRE-TREATED conditions. That is how all the visitors insurance plans from all the companies work.

Even though she was diagnosed here, it is true that she manifested this a long before the effective date of the policy and there would not be covered. Therefore, their determination is correct and that is how any company would have handled it.

In short, they are right and there is no fraud. No short term travel plans are meant to cover pre-existing problems like cancer.

I hope that clarifies. If you have any further questions, please feel free to contact us at any time.

Shocked with International Medical Group / First health network's dealing wit my mom's situation.
Unfortunately diagonosed with lung cancer 4 months after she landed here in US, no prior medical problems, not even on any meds in past. Had to undergo 2 emergency surgeries.
Now IMG says prior existing condition, even though she was diagnosed here ( 4 mths into her stay ) with a biopsy, they state : LUNG CANCER DOESNT APPEAR OVERNIGHT, STARTS ATLEAST FEW YRS AHEAD, EVEN THOUGH DIAGNOSED NOW, EVEN THOUGH SHE MIGHT HAVE NOT KNOWN IT IN PAST, SHE DEVELPOED IT SLOWLY SINCE YRS, SO IT IS 'PREEXISTING' AND we wont pay anything ( bill upto $40000) !!!. How stupid and idiotic can that be to name it "preesisting" !! . At a time when our family is dealing with such a grave diagnosis, its been absolute disaster dealing with this insurance. STAY CLEAR OF THIS FRAUD COMPANY.

Mr. Dev,

I am sorry to hear that you could not extend your insurance from your previous provider.

However, even if you are currently outside India, you can purchase the insurance from us. Please visit http://www.insubuy.com/visitorshealthinsurance.jsp and you will be able to purchase the insurance instantly. You will be able to get instant quotes from multiple companies, compare them side by side and make an instant purchase online.

Most of the plans listed there are renewable. You can just visit http://www.insubuy.com/clients/ and renew it online.

If you need any further help, please feel free to contact us at any time.

I buy Overseas travel insurance from ICICI Lombard. As all knows it can not provide for year you have to issue for six months and then you can extend. When I try to extend website fail. They have some software error. Input string invalid. I am software developer and Know on what situation such error come.

Now I am policy less in foreign land. I believe on ICICI product now nothing for me. By rules I can not issue new policty because I am not in india. I did complaints but no one respond me yet just autogenerated mail.

Be aware of such product while they advertise show you flexibility fo renewal..

Thank you

This is just to WARN people how Reliance General Insurance acts in case of Claims. I bought a Travel Insurance for self and wife. Our baggage was delayed by Airlines and was delivered after more than 36 hours. The Policy document stated $100 in case Baggage is delayed for more 12 hours. Now some points which People should be made aware of:
1.Reliance has outsourced Claims to Third Party like the Medical Insurance which provides excuse to both to make you shuttle between the two. The two make you go between them.
2.Reliance reply to any complaint is the stereo-typed automated reply irrespective of what you write.
3.There is no information on tel no/email of any official on their website(at least I could not find it).There is a Customer Care # but it will ask you to contact TPA.
4.The Policy was purchased directly from Reliance and they send just the one page Policy Document. In small print it says that it is governed by Terms, Conditions and Exclusions .These are NOT SENT along with Policy Document but Claims are subject to those Terms and Conditions which have different meaning than what someone will understand from the Policy Document. This is the SHOCKER that you will get.
5.In this case the TPA linked the Claim to Emergency Purchases which is not stated on the Policy Document but only as part of Terms, Conditions and Exclusions. HERE LIES THE CATCH. Supposing you do not make any Emergency Purchase then you ARE NOT ENTITLED to any Claim as the Company defends itself by saying that you are INDEMNIFIED AGAINST ANY EXPENSES SUBJECT TO LIMIT BUT NOT ENTITLED TO ANY AMOUNT PER SE AS STATED ON THE DOCUMENT EVEN IF THAT IS NOT MENTIONED ON THE POLICY DOCUMENT.
6.The TPA excuse is that because you CHECKED A BOX stating that you have read the Terms and Conditions you cannot claim ignorance of those Terms, Conditions and Exclusions even if they are NOT SENT to you. Just for information of all it was sent to me after the dispute started and it is a 11 Page Document.

I write all this in detail so that Purchaser’s of any Policy know how they can be deprived of any Claim legitimately and can scratch your head. One last thing-when you buy Family Policy which covers all Family Member’s mentioned on the Policy the amount mentioned under each Head is TOTAL AND DOES NOT APPLY INDIVIDUALLY AS ONE WOULD BE LEAD TO BELIEVE. For individual coverage buy separate Policy and PAY ACCORDINGLY. So there is NO BENEFIT in buying Family Plan.

My parents were visting from India and took ICICI Lombard as their travelling health insurance. They upfront disclosed their existing condition of High Blood Pressure and Diabetes, with a history of previous stroke.

Within a week of their visit, my father had a another stroke and had to be taken to emergency. He was in emergency for 3 days and the hospital staff took great care of him. We were thankful that we had the insrance that covers visits to ER as it can be quiet expensive if you do not have insurance. Little did we know that 8 months since we will still be chasing ICICI for payment fo the hospital bills.

Claim # ICICI Lombard/4030/2900098/00/000/M004394.16

8 months have passed since and despite repeated correspondence from the hostpital, us and our family, ICICI Lombard has not responded to any of our emails or invoices. We have US $28,000.00 bill that we cannot pay from our pocket waiting to be cleared.

ICICI is affiliated with United healthcare in US. When you call ICICI helpline, they ask you to contact United and United # that is proivded is only for providers and not members.

United healthcare has sent various emails to ICICI Mumbai office and they have not received any response so far.

If anyone is even remotely thinking of getting ICICI policy for any reason, my strongest advice is please do not take it. You might as well flush your money down the toilet.

I am surprised that companies such as ICICI get away in US with these fradulent activities and no action is taken to make sure that they are totally banned from doing business in US market.

I took a travel insurance policy number FE861869 on for my trip to Canada which was for 13 days.
This was taken through Birla Insurance Advisory & Broking Services Lts, New Delhi

Due to unavoidable circumstances my journey was cancelled and the same was informed to the agency.
Thereafter I was told to send the copies of my passport. I sent copies of the first two and last two pages of my passport as well as the one on which the Canada Visa had been stamped.

I have not yet received the refund and am now being told to submit copies of all the pages of my passport including the blank ones.

This is highly objectionable as it breaches my privacy. The said policy has no relevance with my other travels nor with the blank pages. I have been travelling frequently and taking policies from various companies. This is the first time that such a thing is being asked for.

It is not expected from a company of Tata's stature to resort to such tricks to delay refund.

When once the claim for 'checked in baggage delay' is accepted, whether the Insurance Company can refuse to send the 'reimbursement money' by means of a cheque direct to the Bankers of the Insured upon specific request from the Insured. The Insurer refuse to send the cheque direct to the Banker of the insured.The Insurer insist that the 'reimbursement money' can only be sent to the insured's account by means of online transfer. Insurer ask for IFSC Code of the Banker, whereas Banker says that the IFSC Code is not operational just now. In what clause of the terms and conditions governing the insurance, is there a provision based on which online transfer alone is relied upon by the Insurer.

As an American I bought this health insurance for 4 months stay in France. When I had a car crash, the French hospital immediately took the insurance and admitted me without any fuss or request for payment.
Brilliant!

I am happy that we did not have to use it.