[Resolved]  ICICI Lombard Insurance — refusal to honour claim, loss of original papers

Address:Delhi

Me and my wife traveled to Sweden to meet my son living there. We had travel insurance policies from ICICI Lombard vide following policy nos. 4030/2835707/00/000, 4030/2835712/00/000. Suddenly we had to rush to USA due an emergency, my daughter living in USA met with a car accident and had abroken hand. We had to rush to attend to her. A seperate ticket was booked from Stockholm-USA-Stockholm.
We had to come back to stockholm and then spend 2 days at stockholm before going back to Delhi.

On our way back from USA, the flight got cancelled and thn rerouted. Due to which we were forced to stay at New York for a night. We loded this incident with ICICI lombard and were told to shop and eat for bare necissities. We did an expense for around $300, which was refused once we reached home.

The flight got further delayed and we barely managed to catch out flight from Stockholm to Delhi. We could not meet or spend 2 days at Stokholm which was initially planned.

Our luggage was booked from USA to Stockholm, Sweden but we never got our luggage at stockholm due to various delays. Airlines had no clue where the luggage was.

When we reached New Delhi, we filed a PIR with the airline ( do not forget here that the 2 airlines were different Delhi-stockholm - delhi & stockholm-USA-stockholm ). We got our suitcases after 3 weeks of repeated followup and requests. All our important doctor reports for continued medecine were in the baggage. Since we were travelling for 2 months, all our essential clothes were also in the suitcases.

We made a detailed report to ICICI Lombard and sent it to the address mentioned on the ICICI claim form.

When we spoke to them after a few days they said tht no papers were received.
They then told us we had to send the papers to a different address.
They told to re send the papers. We made a claim again.

Then when i called, they said they want originals, whcih i had already sent to them, which they had now lost. I visitied them personally at Delhi office and the person told me he will look at it.

After repeated follow up also i did not get anywhere with them.

They did not pay me anything. Lost all my original bills/ and papers. No one ever called me to ask anything or help.

I am a retired senior defence officer and i would like to seek justice and compensation on the mental torture, stress, cheating, misbehaviour, loss of money and unprofessional approach of ICICI lombard.

I still have some photocopies to support my claim which i am attaching for your reference.

pls advise way forward.
rgds,
Sudhir
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Aug 14, 2020
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