ICICI Lombard Insurance — ICICI's Internaltional Travel Insurance is a big cheating to consumer

Address:

Rohtak, Haryana

ICICI Lombard advertises their International Travel Policy as one of best as with cashless claim facilities worldwide and offers peace of mind. Well, all that's only true till someone unfortunately needs to make a claim using this policy. In this case, my dad who's is in USA currently fell trap to this policy and now we are in a big trouble because of ICICI. Like most parents visiting USA do, my dad had bought the ICICI Travel policy (and this is the 3rd or 4th time he bought this policy) for his 3 month trip to USA in June 2015. Unfortunately he developed jaundice 3 weeks ago and had to be hospitalized for the same. Had to undergo surgery as it was some infection in gallbladder that was the root cause of jaundice. He was in hospital for 5 days and then 2 weeks of post-op follow-ups. Within couple of hours hospital admission, we informed ICICI Lombard for registering claim. Since then they have done basically nothing and just trying to find to reasons such as insured is old (74 yrs) and has been taking some medications (blood pressure, thyroid, etc) because of which they can't process the cashless claim. There's no pre-existing condition that's linked to this surgery and other treatment my dad received at hospital. When we asked ICICI to give justification they pull out a line from their policy fine print that "Cashless payment is at the sole discretion of ICICI and customer can not claim it as their right just by way of having insurance policy". This is the biggest catch in their policy!. They are asking us to pay the hospital directly and then once insured comes back to India then submit bills to see of they can reimburse something. The hospital bill is close to 100K USD, how can the insured who's visiting from India be paying 100K USD to hospital - I mean who has so much disposable amount at hand. This is plain cheating and fraud on ICICI;s part to claim one thing and when customer needs to claim then they totally back out and leave insured on his own. I am sure ICICI doesn't have any intentions to pay anything. We have even written to the senior officials also in ICICI Lombard but no response. NEVER EVER BUY THIS TRAVEL INSURANCE POLICY FROM ICICI LOMBARD. ITS NOT JUST WASTE OF MONEY BUT YOU WILL LOSE YOUR SLEEP LIKE US IF YOU EVER NEED TO MAKE CLAIM USING THIS POLICY. SHAME ON ICICI.