[Resolved]  Icici Lombard — Rejection of my travel insurance claim by ICICI Lombard for shuttle charges at USA

Address:

Pune, Maharashtra

REF: My policy details: 1. Policy number: 4129/W[protected] by ICICI Lombard 2. Geographical scope: worldwide 3. Plan name: Gold W250 4. Premium paid : Rs 8474.00 Correspondence happened with Mr. Saviraj Shetty, Asst, Manager Claims Dept. ICICI Lombard and all this is present in attached document. His email: [protected]@europ-assistance.in Address: Europ Assistance India 301, C Wing, Business Square, Chakala, Andher Kurla Road, Andheri ( East ), Mumbai 400093 Dear Sir/Madam, I had gone to USA to meet my daughter staying at New Jersey, USA on 26th May 2014. My return journey was on 03 July 2014 by AIR INDIA flight number AI144 from Newark airport to Mumbai airport. I had taken the ICICI Lombard travel insurance for above period. As per the return date 03 July, I had come to Newark airport from New Jersey to catch the flight. However, the flight was cancelled by AIR INDIA due to some technical reasons and re-scheduled on next day. But again on the next day, it was cancelled and re-scheduled on next day. Due to my old age (68 years) and being pure vegetarian, it was not feasible for me to stay on airport for so long time and I had traveled back to my daughter’s place by cab and returned back on next day by cab for which the charges incurred were $450.00. Hence under the TRIP DELAY clause covered under policy, I submitted the claim to ICICI Lombard. I claimed only the Taxi charges for to & fro journey which was rejected by ICICI Lombard by giving reason that taxi charges are not covered. I read the complete policy document that was received to me when I bought the policy. But since it did not contain the detail clauses, I requested them to send the complete policy details. Very first, when I buy the policy, all the necessary documents covering the policy details must be given which was not provided to me. After receiving the details from ICICI Lombard, I went through all the details but it is NOT AT ALL MENTION ANYTHING ABOUT cab charges. All communication with claims dept, is present in attached document. ICICI Lombard has done complete cheating with me. As per Mr. Saviraj from claims dept in his email said that the reimbursement for food is covered though there was no mention about food in the policy. Then why cab charges are not covered? How one can travel with so heavy luggage in foreign country?? Since I didn’t submit the food bills, he altered his policy swiftly to cover the food charges. Is it a correct practice? I feel that this is a deliberate rejection of my claim and hence I am seeking your help and support in this regards and do the justice. Thanking you, Yours sincerely, H. N. Baldota