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Thread: Should anyone ever buy ICICI Lombard? I don't think so

  1. #1
    krishnan_g Guest

    Default Should anyone ever buy ICICI Lombard? I don't think so

    I bought ICICI Lombard Travel Medical Insurance for my visiting parents, unfortunately. I wish I had seen this web site before and all the experiences people have gone through. Based on their claims procedure and the hassles I have been going through, I would not recommend anyone to buy this policy.

    ----------------------------------------------------
    ICICI CLAIMS Procedure and my comments
    ----------------------------------------------------

    Dear Sir,

    This has reference to your call regarding your father’s medical ailment.

    Your reference number is 06DEL0***.
    ICICI Lombard shall compensate the Insured for expenses incurred for availing immediate medical assistance required on account of any illness or injury sustained or contracted whilst on a Trip abroad but not exceeding the Sum Insured for the coverage as mentioned in Part I of the Schedule hereto.

    Please find appended below the claim procedure information and claim form for your kind perusal.

    1. For outpatient consultation(s) / visit to a hospital / doctor including short stays in emergency room of hospital for a few hours, please self-pay the medical expenses and then file the claim directly with the Claims Department at the address below. Please file your claim immediately once the treatment is completed and the claim will be settled within 7 days of having received complete documents. Payment will be made in Rupees only with the exchange rate on the date of loss. The documents must be sent within 30 days of the return to India or expiry of policy, whichever is earlier. The list of
    documents required to attached with the claim for reimbursement are as follows:
    · Covering letter to specify the claim and address for sending the claim ( same as in proposal form)

    · Claim Form duly signed by the Treating Doctor and Insured.

    · Doctor’s medical report / admission / discharge card and prescriptions in original.

    · Original bills and payment receipts for payments made.

    · Copy of X-ray report, pathological and investigative reports.

    · Copy of passport, visa with entry and exit stamp.

    Send To:

    CLAIMS DEPARTMENT
    ICICI LOMBARD
    C/O International SOS
    2nd Floor, 2 B, Lotus Towers
    New Friends Colony Community Center
    New Friends Colony
    New Delhi – 110065
    INDIA


    KRISHNAN>>>>>>>>>>>>> They did not provide any health insurance card. There is no direct payment. After my parents go back to India, they have to file claims in New Delhi and they will get paid in Indian Rupees. The claims can't be filed before going back because they require the proof of entry back into India for that.

    Don't think that for outpatient emergencies, the charges will be low. I had to use several facilities (following the hospitalization as per details in point 2 below) and outpatient bills have run into several thousand dollars that has become very difficult for me to pay out of my pocket.

    I am worried how my parents are going to deal with the paperwork and bureaucracy back in India to get that money back.


    2. In case of medical hospitalization where the insured is hospitalized for 24 hours or more, please call and notify us immediately. In case of hospitalization, the Insurance medical assistance department will review the medical reports received from the hospital and / or the treating doctor as well as the report from the family / regular doctor in India. If it is confirmed that the admission to a hospital is NOT due to any pre-existing conditions or any exclusion listed in the policy, then the Insurance Company shall settle the payments directly with the hospital less the policy deductible of USD100.

    KRISHNAN >>> My father needed to be hospitalized and the hospital was not willing to file claims to India and deal with them in New Delhi, India. They said they will give the bills to me and we need to file the claims myself and we will be liable for treatment charges ourselves.

    Collection agencies are after me. It has been more than 4 months and ICICI has not yet settled the claim. In fact, they are not going settle the claim until my parents go back because they require the proof of entering back into India (See the requirement in point #3 below.) My parents are going to stay for 6 months total. And the hospital or collection agency is not going to wait that long.

    Therefore, it does not matter what insurance company claims. They claim that the payment will be directly to the hospital. But the hospital needs to be willing to accept that insurance. Otherwise, there is no meaning as hospital is demanding that money from me.



    3. In order to expedite processing of the claim for hospitalization, you must send the following documents immediately by fax to +91- 11-5189 8801 or scan and email to us at [email protected]

    · Completed Claim Form signed by the Treating Doctor and Insured.

    · Name, address and contact details of the Regular/ Family Medical Doctor in India.

    · Signed copy of the RELEASE OF MEDICAL INFORMATION FORM (ROMIF) to authorize your Treating Doctor and Medical Doctor in India to release your medical information to the Insurance Medical assistance Department.

    · Treating Doctor's medical report

    · Copy of passport, visa with entry and exit stamp.

    KRISHNAN>>> They require Medical doctor in India to give all the medical records. Is there any such system of maintaining the records in India? I am having hard time regarding this.

    And I have faxed several documents many times. They claim they never received it. Fax again to India. Fax again to India.


    4. Policy Excess. For medical sickness/accident there is a policy excess of USD 100 (deductible) which the Insured will have to bear and this amount cannot be claimed. This implies for any claim the first USD100.00 are to be borne by the insured. This applies for both outpatient and inpatient treatment and is applicable on per diagnosis basis.

    5. Sub Limits: If the Insured is treated and / or hospitalized due to medical sickness, disease or accident on the trip abroad and are aged above 56 years, then medical expense will be subjected to sub limits for the benefit of Medical sickness. The following maximum eligible expenses per sickness or Disease are applicable to Insured person aged above 56 years. (Coverage limits are applicable only once the liability is confirmed under the terms and conditions of the policy)

    Hospital Room and board, and hospital misc. expenses - maximum US$ 1,600 per day up to 30 days
    Intensive care unit - maximum US$ 3,000 per day up to 7 days
    Surgical treatment - maximum up to US$ 12,000
    Anaesthetist services - up to 25% of surgical treatment
    Physician's visit - maximum US$ 75 per day up to 10 visits
    Diagnostic and pre-admission testing - maximum US$ 750
    Ambulance services - maximum US$ 500

    KRISHNAN>>>> This is a big drawback. Even if my claims get settled, it will only be a small portion of the actual expenses. How good is $50,000 or $100,000 that they claim? No body ever explained this to me before. And they don't mention this anywhere in the brochure either, how clever!

    Now, after doing lot of research on this topic, I found that there are 2 types of plans. Fixed and comprehensive. And this ICICI plan is only fixed for ages over 55. And just like most people's parents, my parents are above 55. (They are 67 and 63 actually.) I wish I had read http://www.insubuy.com


    6. As per policy terms and conditions “Pre-Existing Condition means the chronic illnesses or ailments and consequences of such illnesses or ailments existing or known to exist at the commencement of the Period of Insurance, even if the same had not been treated, including illnesses treated or for which medical advice has been sought in the last six months before commencement of the Period of Insurance including their consequences.” However, in case of an emergency the policy covers emergency treatment and hospitalization up to the stage of initial stabilization. Thereafter, if the condition is not pre-existing the full treatment will be covered.

    KRISHNAN>>> This is another joke. They claim this but they come up so many excuses and reasons claiming that this is not included in that and that is not included in that, it is becomes practically worthless.

    7. Your prompt submission of the above documents will enable the medical assistance department to make a medical assessment and recommendation of coverage thereby expediting the claims process.

    8. I have attached the Claim Form / ROMIF for your necessary action. Please confirm once you have received this claims advise either on the 24 hr help line or by e-mail.

    9. Should you require any further assistance or clarification on this claims procedure matter, please do not

    hesitate to contact us at Telephone number +91 11 5189-8868, fax number +91 11 5189-8801 or email to us at [email protected]

    KRISHNAN>>>> This may not get attention of many. I have spent lot of money and countless time during the nights calling them, as when I call them during the day time in US, many of the supervisor staff is not available as it is night there.

    Teneichong Telien
    Claims Department
    For ICICI LOMBARD
    Tel: 91 11 5189-8868
    Fax: +91 11 5189-8801
    Email: [email protected].

  2. #2

    Default

    I am sorry to read your painful story.

    I not Indian and therefore, I don't know what kind of protection you have or where you can complain in India, how efficient or practical that complaint procedure may be.

    However, if you had purchased insurance from US based company, you could complain to the Department of Insurance and they would be able to help you. You could also file a complaint to the Better Business Bureau. They may have been able to help you.

    But in your case, it looks like everything is handled from New Delhi, India. Looks like you are on your own in figuring this out.

    When you get your claims settled, if at all, I would appreciate if you could kindly write more about experience for the benefit of everyone on these forums.

  3. #3

    Default

    I think that as long as there are customers who are looking for lot of coverage at very low price, there will be companies who promise to offer that and take their money.

    In my opinion, insurance is a promise for future that needs to be delievered in case of unexpected. It is easy to make promises, but difficult to fulfill.

    Everyone must realize that after all, insurance companies are paying you from what they collect from many like you. After deducting their operating expenses, agent commissions and profits, they would be paying the claims. Insurance companies don't have unlimited amount of money to pay the claims. Money doesn't grow on trees.

    You definitely need to watch if the premiums are low and there is lots of promised coverage. Otherwise, there will be many more 'Krishnans'.

    I hope everyone understands this logic and makes appropriate decision accordingly.

  4. #4

    Default

    Very sorry to hear your story Krishnan. I was too in a dilemma to buy an insurance from india or from the US. Infact the insurance plans available from india are very cheap compared to the US plans. But i guess it will defintely make you pay the price later.
    Thanks for sharing your experience. Hope you get all your claims as soon as possible.

  5. #5
    krishnan_g Guest

    Default

    My claims are still pending. No success.

    What a mistake we made by purchasing ICICI Lombard insurance.

  6. #6

    Default ICICI Bank India is Cheating Customer

    Dear All,
    ICICI bank is no way safe to keep saving in to our account .ICICI Bank Credit Card Division with their DSA and collection agent having a great association with bank it self to impose any offer policy without customer confirmation and will charge in your statement .till you contact customer care and clarify they will impose heavy interest charges.and soon you will get life threat from their agents, you will not be able to do any thing.If you refuge to pay they will find your saving account In icici bank and with the help of icici bank network and create forged request AUTO DEBIT FACILITY for payment and on-line they will transfer your saving money amount to credit card account. i mate around 100-125 persons every month .

    So it is my request to all of the Existing ICICI Bank INDIA customer to Pl maintain bare minimum balance in your account and transfer your saving to other bank account which is safe .Like PNB,CITI Bank,UTI BANK Etc.
    Because you can not get any help from Police also as this type of fraud and cheating is not having any restriction and Law against them in India.



    VARUN SHARMA

    A Experienced Customer

  7. #7

    Default Harrasment -Cheating

    I have called many times on phone,no response for email.I am sending this again and again.I am submitting this complaint to india's leading web sites.
    ----- Original Message -----
    From: [email protected]
    To: [email protected]
    Sent: Monday, July 10, 2006 2:44 PM
    Subject: HARRASMENT Re: RE:'ICICILom=001-188-902' RE:'ICICICARE=018-851-468' i got cheated-Complaint


    I am sending on other email id.I allready called two times from patiala to bombay for about 20 minutes.I feel so much cheated.Despite Emails and phone calls no response fromyou till date.

    first time they said System has problem.Second time they said they are not able to solve the problem on phone and asked me to write email.

    i emailed so many times,and till date only one response that policy will be cancelled in 7 days.

    I want to ask why i have beed issued policy?

    the answer i get that you have given approval on phone but i never gave any such approval.

    Now i give you 7 days to look into the matter.If you prove that i have given approval on phone i will donate Rs 100000 (one lac) to the ICICI Lombard.

    Give me a phone number to talk to senior Person .
    I will make 10000 calls to your company at my own expenses.
    But i will not let you simply say "sorry".

    Vinay

    ----- Original Message -----
    From: [email protected]
    To: CustomerSupport
    Sent: Monday, July 10, 2006 2:03 PM
    Subject: HARRASMENT Re: RE:'ICICILom=001-188-902' RE:'ICICICARE=018-851-468' i got cheated-Complaint


    Sir,
    I want to know how you have given live insurance without getting approval from me.I never gave approval on phone.I feel i get cheated.

    i get two letters by post saying that "a purchase against your credit cardno ... converted to equated monthly installment" for a total sum of RS.11040.

    I called two times on customer care.

    Yes recently i get call from ICICI insurance persons,I never agreed to them for insurance.How can u do this without my approval.This is very serious.

    How can u insure a person without taking his consent.

    I feel really bad . I feel cheated.

    When i asked them to cancel it they gave me two numbers of my complaint

    1. 1186939
    2. 1186942

    Now i want to cancel my credit card. I asked them to cancel it but they said i cannot till issue resolved.I am patient of blood pressure. I am harrasad by you people for nothing wrong i have done. You cannot compell a person to take a medical family policy.How can u issue a policy automatically.I feel that who so ever has done this is bad.I Have two policies allready of Rs 3 lac with ICICI.I was thinking if this kind of harrasment you will give to people,you should remove your logo"we value your relationship with icici bank".

    Still i am confused.At first i thought some one misused my credit card.The letter i get donot show its for insurance policy.You donot know how much i feel harrasad.

    I am not a big man,but a ordinary customer.If you cheat people like this ,this is very bad.

    I have allready called 2 times on customer care from patiala to chandigargh for 30 minutes.Once they said system is not working.Do you think i am free here and have no work to do.
    Secondly your company is so big and if after writing this letter you people donot look into matter only God will hear me.If you want i can donate this money to you,but donot atleast cheat.Show me approval i gave.

    Without any approval i have been issued insurance policy.Its allready 3 days and no call from your side.I am very worried I donot know how you handle so much customers complaint.Without any information how can you issue a policy to customer.

    You are harrassing me,No doubt you will cancel policies in 7 days but what about mental harrasment to me. I am a teacher ,i thought ICICI bank is a good bank now i see how good you people are.

    It was my mistake that i have taken credit card of ICICI bank and taken policies of ICICI prudential,and also i will advise all my students and teacher not to opt any policy or credit card of ICICI bank.

    I am writing all this out of harrasement i feel.I know for such a big bank loosing one customer is no harm to you.

    And i thank you so much for giving me this oppurtunity well in time,otherwise it may be late.Now for life i swear i will not take any policy of ICICI.

    Tommorow i am giving complaint in news paper and will go to consumer court also as you are not able to solve my problem.


    Vinay Garg

    ph 9815611999
    ----- Original Message -----
    From: CustomerSupport
    To: Vinay Garg
    Sent: Wednesday, July 26, 2006 12:56 AM
    Subject: RE:'ICICILom=001-188-902' RE:'ICICICARE=018-851-468' i got cheated-Complaint



    Dear Sir,

    Greetings from ICICI Lombard

    This is with reference to your mail dated July 25, 2006, we wish to appraise your request for Personal accident policy cancellation would be processed in the next 7 working days.

    If you need any further assistance, please feel free to write to us and we will be glad to assist you.

    Assuring you of best services always

    Customer Support Team

    ICICI Lombard General Insurance Limited.


    -----Original Message-----
    From: ICICI Bank Customer Care ([email protected])
    Date: Tuesday, July 25, 2006 03:39 PM
    To: [email protected] ([email protected])
    Cc: [email protected] ([email protected])
    Subject: RE:'ICICICARE=018-851-468' i got cheated-Complaint


    Dear team,

    Please assist.

    Dear Mr. Garg,

    As per our telephonic conversation, we have forwarded your request to the department concerned.

    Regards,

    Pavan Kumar


    -----Original Message-----
    From: [email protected] ([email protected])
    Date: Monday, July 24, 2006 11:09 PM
    To: [email protected] ([email protected])
    Subject: i got cheated-Complaint

    Sir,

    i get two letters by post saying that "a purchase against your credit cardno ... converted to equated monthly installment" for a total sum of RS.11040.

    I called two times on customer care.

    Yes recently i get call from ICICI insurance persons,I never agreed to them for insurance.How can u do this without my approval.This is very serious.

    How can u insure a person without taking his consent.

    I feel really bad . I feel cheated.

    When i asked them to cancel it they gave me two numbers of my complaint

    1. 1186939
    2. 1186942

    Now i want to cancel my credit card. I asked them to cancel it but they said i cannot till issue resolved.I am patient of blood pressure. I am harrasad by you people for nothing wrong i have done. You cannot compell a person to take a medical family policy.How can u issue a policy automatically.I feel that who so ever has done this is bad.I Have two policies allready of Rs 3 lac with ICICI.I was thinking if this kind of harrasment you will give to people,you should remove your logo"we value your relationship with icici bank".

    Still i am confused.At first i thought some one misused my credit card.The letter i get donot show its for insurance policy.You donot know how much i feel harrasad.

    I am not a big man,but a ordinary customer.If you cheat people like this ,this is very bad.

    I have allready called 2 times on customer care from patiala to chandigargh for 30 minutes.Once they said system is not working.Do you think i am free here and have no work to do.
    Secondly your company is so big and if after writing this letter you people donot look into matter only God will hear me.If you want i can donate this money to you,but donot atleast cheat.Show me approval i gave.

    Vinay Garg

    ph 9815611999

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