[Resolved]  Icici Lombard — Delaying & Humiliating Tactics disguised as Documentation

Address:Mumbai City, Maharashtra

Hello Team, With reference to my card number ILGIC/IZQ/00/[protected]/S issued under policy No.4016/81038448/00/000 (corporate policy by IGATE Global Solutions) issued by ICICI Lombard, I want to highlight following issues 1) Company refused to make payment by Postal Order/Demand Draft and insisted on sending a crossed Cheque for payment.AsI was at my parents place during my maternity leave and not carrying the cheque book, I requested the company to make payment through demand draft/postal order which they refused. Request you to please confirm if this is an acceptable practice as per IRDA regulations. 2) After sending crossed cheque, the company came with another document required towards processing of claim. Is this acceptable given that all the relevant documents missing were already identified by the company in the 1st query raised from them and subsequently submitted (itemised bill, full and final settlement bill, all medicines bill, all reports in original) . I strongly believe this is an unfair, unethical and wrongly intended action by the company to humiliate its policy holders. All the documents given by the hospital have already been provided to the company and under all possible reasonable scenario they are more than sufficient to identify each and every medical process undergone by the policy holder along with corresponding expense. Moreover, the hospital have not issued separate document as requested by the company in its latest request ("Kindly furnish charges incurred towards Myomectomy separately for further processing of claim"). If this was such a critical document, shouldn't the ICICI have raised this in the first query. Secondly, if this document is so critical, shouldn't the hospital have issued the same. Am I expected to get customised documents from the hospital based on the whims and fancies of Insurance companies??If the company so requires, they can directly contact the hospital for the details, why should I be wasting my time towards all this ir-relevant and deliberately wrongly intended documentation after paying the premium that the company wanted for the insurance . I request immediate penal action against ICICI Lombard for unfair practices being done in the guise of documentation. Further, I expect reasonable compensation for going through this agony and humiliation. Please respond and action on priority. Thanks & Regards,
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Aug 13, 2020
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