[Resolved]  ICICI Lombard Insurance Company — Pathetic service of ICICI Lombard and claim closed with wrong reasons

Address:	400064
Website:	www.icicilombard.com

Dear Sir,

I had taken a loan based policy from ICICI lombard and my loan is taken from ICICI bank. My fathers policy number is 4005/M/ICICIHL/98969342/00/000. My father passed away on 6th April 2015 . I had raised a claim request with ICICI lombard on 24th April 2015. My father died with a heart attack and was declared dead on arrival to the hospital.

The claim id is GEN[protected]. After multiple mail of over two months, on 5th June they send me the form for claim and the duly filled claim forms were delivered to ICICI lomabrd on 22nd June. The cancelled cheque was missing so i had sent the cancelled cheque on 13th July.

After that i was continuously following up with the firm. The only response i was getting from them was that the claim is under process and we will get back to you shortly. I was also following up with their helpline number . In the last week of July i was told that my claim has been accepted would get the payment details by 31st July. The agent was Mr. Kapil. But didnt receive any information from them. After that whenever i tried calling their helpline number and trying to get in touch with Mr. Kapil, i was told that Mr. Kapil is not available and sometimes i was told he is not feeling well. These were the reason always given.

After that suddenly i get a call from Mr Fahaz who was about to investigate my case and submit the report. The visit was done on around 8th August 2015. All the details were given to him and also patched him on call with my dad's consulting doctor Dr. Dhaga as my Dad was on dialysis. The agent who came to get the policy done knew this fact. We also provided him with the latest report of my Dad which was normal.

On 14th September, i get a reply ICICI Lombard that my claim has been rejected and the copy will be sent on my address. I checked the copy which was sent to my address. The reason's mentioned were that the insured family was not co-operative and did not provide the entire details. Infact in the first mail that i sent to ICICI lomabrd had mentioned the cause of the death. This is an utter lie. Also had a word the investigating office who had come to my place to investigation. He denied saying that i did not mention anything as such in the report.

How can they mention such thing when they did even try to contact with me. I was in contact with only two person from ICICI lombard. One was Mr Kapil from priority desk, who suddenly stopped taking my calls and other was Mr Fahaz who was the investigating officer. Then how can they say they are not co-operating.

This is how this entire firm is given to consumers. I dont know how much effect it would take after submitting this complaint. But if you can, please do take action on this corrupt firm.

//Naresh
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