[Resolved]  Icici Lombard — Insurance Rejected

Address:

Hyderabad, Andhra Pradesh

Hi,

We have insured for my father for travelling Overseas, However My father was expired in US and we have requested the ICICI Lombard to Process our claim but they have rejected our claim with a baseless reason and did not even respond to our mails further.

Is there any way I can seek justice.

Please find the mail chain below


Hi

Mr Rajanna (My Father) was suffering from common flu
for 3 days before he collapsed. Due to flu, he was
vomiting and could not take any solid foods. It is
natural and medically advised for any diabetic patient
to reduce insulin if they do not take enough
carbohydrates. In fact on Mar 6th, he did take regular
insulin before taking his lunch ( which is his routine
schedule that he has been following for years ).
Doctors at Santa Clara Valley Medical diagnosed the
cause of death as Renal Failure. There are enough
records to show that he ( Mr. Rajanna ) did not do
anything intentionally that could have caused his
death. Terming "intentionally" can itself lead to a
legal battle with ICICI LOMBARD . It embeds a
different meaning and makes us feel emotionally sad to
make a remark on a person of high stature. I would
suggest that we settle this issue within the
boundaries of human dignity and with high regard to
business ethics. Lets not complicate the issue
beyond gentlemen discussions.

I appreciate your business and look forward to a clean
closure ASAP.

Thanks
SITA RAM

--- SHIVASHANKER B /RETAIL/ICICILOMBARD/HYD
<shivashanker.[protected]@icicilombard.com> wrote:

> Dear Sir,
>
> We are very sorry to tell you that your claim is
> rejected
> for the below mentioned reason...........
>
> Regards,
> Shiva Shanker.
>
>
>
> Subject: RE: FW: Regarding the Claim for the Policy
> 4030/2122128/00/000
>
> Dear Shivashanker,
>
> As per the case no 40141 of Mr CHOPPAKATLA,
> RAJANNA,holding
> policy no. 4030/2122128/00/000 ,Patient with history
> of
> insulin
>
> dependent diabetes, discontinued taking insulin as
> per own
> decision .
>
> In this case patient has refuse to take insulin
> without any
> physician advice..
>
> In this case patient died because of diabetic
> ketoacidosis
> which occur because of high blood suger level.
>
> As per our policy general exclusion no 3 any claim
> is
> arising out of illness that insured has caused
> intensionally
> will not be payable.
>
> regards
>
> Ravi Soni
>
> -----Original Message-----
> From: SHIVASHANKER B /RETAIL/ICICILOMBARD/HYD
> Subject: FW: FW: Regarding the Claim for the Policy
> 4030/2122128/00/000
> Importance: High
>
>
> Dear Ravi,
>
> We appreciate if you can help us in this regard....
> customer
> is sending mails and we are forwarding you the same
> but no
> response from your end....
>
> Regards,
> Shiva Shanker
>
> -----Original Message-----
> From: SITA RAM [mailto: ]
> Sent: Saturday, October 08, 2005 12:09 AM
> To: SITA RAM; HARIPRASAD RAO
> /RETAIL/ICICILOMBARD/HYD; RAVI
> SONI /OPS/ICICILOMBARD/MLX
> Cc: SHIVASHANKER B /RETAIL/ICICILOMBARD/HYD;
> [protected]@yahoo.com
> Subject: Re: FW: Regarding the Claim for the Policy
> 4030/2122128/00/000
>
> Hi All,
>
> I was waiting for your responce since long time and
> there was no responce form any one, and sincerely
> request for the update and action from you at the
> earliest.
>
> C.Sitaram
>
> --- SITA RAM <[protected]@yahoo.com> wrote:
>
> > Hi All,
> >
> > May I know the ststus please?
> >
> > Regards
> > C.Sitaram
> >
> > --- HARIPRASAD RAO /RETAIL/ICICILOMBARD/HYD
> > <hariprasad.[protected]@icicilombard.com> wrote:
> >
> > > Dear Ravi,
> > > This is the same case where as per our previous
> > > communication we have settled him Rs. 1,49,000/-
> > > towards the
> > > funeral expenses of the insured who was expired
> in
> > > US.Till
> > > date he did not get the cheque it seems
> > > Kindly revert to the customer with all the
> details
> > > of the
> > > payment...
> > > Rgds
> > >
> > >
> > > -----Original Message-----
> > > From: SITA RAM [mailto:[protected]@yahoo.com]
> > > Sent: Friday, September 23, 2005 11:09 PM
> > > To: HARIPRASAD RAO /RETAIL/ICICILOMBARD/HYD
> > > Subject: Regarding the Claim for the Policy
> > > 4030/2122128/00/000
> > >
> > > Hi,
> > >
> > > This is to bring to your notice that my parents
> > have
> > > insured through ICICI Lombard for Overseas
> travel
> > in
> > > Feb-2005 the policy number is
> 4030/2122128/00/000,
> > > My
> > > father passed away on 7-Mar-2005 in USA. I have
> > > already submitted the documents of the funeral
> > > expenses incurred as the funeral was performed
> in
> > > USA,
> > > to Heritage Health Services Mumbai two months
> ago.
> > > Till date I have not received any information.
> > >
> > >
> > > The following documents had mailed to Health
> > > Services
> > > Mumbai as per the Instructions given to me by
> the
> > > Agent (NEO AEROJET TRAVELS PVT LTD).
> > >
> > > 1) Original Policy
> > > 2) Original Claim Form
> > > 3) Photo Copy of Death Certificate
> > > 4) Original Invoice
> > > 5) Photo Copy of Passport.
> > >
> > > Can you please let me know the status on the
> same?
> > >
> > >
> > > Thanks & Regards
> > > C.Sitaram