[Resolved]  ICICI Lombard Health Insurance — Charged unlawfully

I Shobhit Saxena, s/o Mr. Alok Saxena who was having a credit card account
with ICICI bank
A/C no. - [protected].
The credit card account was opened by some unknown agent sent by bank
authorities.
In one month of opening the account we received a Health insurance policy
on the name of my father...which was never asked for. We thought it to be
some mishap...but in due time after around 25 days we received the
insurance policies for all my family including myself and my sister. The
policy details are:

1.
insured person: Alok Saxena
policy no: 4034/FPP/03464074/00/000
date: 3-apr-08
2.
insured person: Preeti Saxena
policy no: 4034/FPP/03549766/00/000
date: 2-may-08
3.
insured person: Shubhra Saxena
policy no: 4034/FPP/03549768/00/000
date: 2-may-08
4.
insured person: Shobhit Saxena
policy no: 4034/FPP/03549767/00/000
date: 2-may-08



My father is a Govt. employee and he receives all his medi-claims easily
so there was no need for these policies and my father never requested for
this.
When we went for cancellation of these policies on 1/8/08 the costumer care
executive charged an amount of around 15, 000Rs. and it was automatically
debited from my father''s credit card account after we requested for
cancellation of the policies.

But the question i want to ask is why I was charged for these policies. Is
this the benefit what a credit card account in ICICI bank gives to its
customers?
15 thousand rupees is not a small sum for a middle class person. They open
the policies without the knowledge or signature from the costumers and
then if they are stuck with it and try to cancel it...then they charge
them with such amounts.

My father is being charged for these policies without his need. And now on
cancellation he was charged 15 thousand bucks.

These policies was formulated on phone only with oral agreement from my
father. I wish to notify u that my father is an old man who is unaware of
all these phone banking and other things. And it was never mentioned while
opening these policies that if we cancel them then also we have to pay
this large amount of
money.

The policies were useless in there job as when my sister fell ill, the
hospital authorities denied these policies. I wish to make it clear that
this
was a hospital metioned in the banks list.
But we had to pay for her medical expenses.
And when we went to cancel these useless policies they charged us with
more than 15, 000 rupees.

The interaction i had with the bank about these policies was Interaction
ID[protected]

I would like to mention that these type of policies are a menace as they
are useless in nature and just formulated to drain the money o[censored]naware
individuals.



Consequences : 1: More than 15, 000 rupees taken at the time of closing the
credit card account

2: policy money what we paid earlier

3: Mental pressure faced to arrange for money during my sister''s
operation

4: time wasted in negotiation with the bank