Icici Lombard — Did not offer promised benefit

ICICI LOMBARD is a company that is designed to cheat customers. I am the proposer for a policy for my mother. I have been renewing it every year since 2008. In 2010 my mother got hospitalized in an emergency. She was taken to a in-network hospital. ICICI-LOMBARD denied the CASHLESS benefit saying that her policy is not valid. I confronted them with the documents but they put all sorts of bureaucratic hurdles in the way. Six months went on, I had to complain to IRDA when they finally acknowledged that they made a mistake. Then they asked me to produce all the documents to get a reimbursement. Obviously, I did not have all those documents six months later and they conveniently did not pay us anything.

I am convinced that this is their modus operandi. They do not intend to provide any benefit to any insured. They are plain and simple CHEATS! Stay away from them.

BTW - IRDA did not take any action against ICICI-LOMBARD either. The only way to fight back is by spreading the message.