[Resolved] ICICI Lombard Insurance — Refusal for reimbursement

[Resolved] ICICI Lombard Insurance — Refusal for reimbursement

Y Y.M. JOSEPH MATHEW from Bengaluru, Karnataka

Sir/Madam, I am writing this to complain about my frustrating experience with “ICICI LOMBARD”. Reference is made to my "ICICI LOMBARD" health insurance policy bearing No. 4034/FPS/02375300/00/000. This policy described above was sold to me (by the virtue of holding ICICI credit card) on 07/07/2007 through a tele sales executive and was briefed about the yearly premium, extent of claims and the only exclusions (dental & cosmetic surgery) for which the expenses would not be reimbursed. Going by the reputation of ICICI, I had decided to purchase myself an insurance cover and the payment for the same was promptly collected by ICICI from my credit card. At no point of time had ICICI provided me with the terms and conditions/ contract/ exclusions list and neither did I ever happen to sign any document acknowledging the understanding of the terms and conditions. After more than 20 months of purchasing the insurance cover, unfortunately I was diagonised for kidney stones by “Chinmaya Mission Hospital” Bangalore and was suggested by Dr. Ninan Thomas for a surgery as it was inevitable and most needed. Reacting to the Doctor's advice, I had contacted ICICI on xx/xx/2009 to accord their approval for the surgery on cashless basis. TTK (ICICI) promptly responded to my request based on the reports by Doctor and faxed me a copy saying : "The particular hospital is not a part of the panel and hence I may pay the hospital bills and apply for reimbursement." Going by the instructions thus received, I applied for the reimbursement after completion of surgery by providing necessary reports and bills. On applying for reimbursement I was shell shocked to hear rejection of my claims from ICICI/TTK based on the reason that my ailment is not covered under insurance as per clause 3.3 which was neither provided to me in any form nor was I ever briefed. Now, I strongly feel this has been a deliberate attempt to cheat and victimise me by ICICI LOMBARD. ICICI LOMBARD has not disclosed/misrepresented and mislead me with the information and clauses with affirmative implicit & malicious intentions. I strongly insist ICICI to provide me with a copy of my acknowledgement towards acceptance of the terms and conditions/clauses or an audio file of my verbal acceptance of the same. In the event of ICICI LOMBARD being unable to provide either of the above, I demand for a quick reimbursement of my claims with no further harassments. I would highly appreciate your intervention in reimbursing my claims. I look forward to your reply and resolution to my problem. Best Regards Y.M. Joseph Mathew. Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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Sandip Gholap

from Pune, Maharashtra

ICICI Lombard — ICICI LOMBARD

hi,

My Name is Sandip B Gholap i have taken ICICI lombard health policy in november 2007 they have dedect 10, 000 from my ICICI credit card unfortunatly in Mach 2008 i have close that policy they have give me Refanc 5200/- only the other amount ICICI lombard people is not ready to given or not ready to continue my policy .Many time i talk to ICICI customer care send a mail also but not given proper answer .
Please hel me in this matter.
Waiting your positive responce

Thanks

Sandip Gholap

rekha gupta

from Delhi, Delhi

ICICI LOMBARD POLICY — without my confirmations issued the 3 (Three) LOMBARD Policy

Dear Sir/Madam,

My Name is REKHA GUPTA I PUT ON GHAZIABAD CITY (UP)
I HAVE 2 NOS OF ICICI CREDIT CARD NO.IS :-
1- [protected] (2) [protected]

ICICI LOMBARD General Insurance Co. without my confirmations issued the 3 (Three) LOMBARD Policy one policy issued in card No. [protected] premium Rs.485/- & 2 (Two) Poilcy issued my second Credit No. [protected] Premium Rs.385/- & 317/-, But till date I have not any received any calls, lombard policy document or any correspondence letter from ICICI Lombard.

Every month debited The Premium ICICI LOMBARD in my ICICI credit Card No.[protected] Rs.485/- & [protected] Rs.385 & 317/-
I am talk to lot of time customer care executive, why are you debited the premium amount & I requested the kindly credit in my account.

Lot of time I visit the (noida & Kashumbi ) Branch & requested customer care executive
Kindly cancel and credit the debited amount.

Thanking you & Regards
Rekha Gupta
[protected]
Pratap Vihar Ghaziababd (UP)

rekha gupta

from Delhi, Delhi

ICICI Lombard — ICICI Lombard without my confirmation issued the 3 policy

Vignesh Prakash

I had applied for a ICICI credit card unaware of the consequences and trauma that I would have to face in the coming days.
After nearly a month of applying for a credit card I got a call(From chennai) for verification.
After another month I got confirmed that I would be getting one but with a ICICI lombard policy along with it.
So I spoke through to cancel the policy else I would not want to have the card.The customer care executive assured me that I had to apply for the policy after which it would be cancelled to the immediate effect.
I reasoned that if I had to cancel it why would I need to apply?The customer care executive replied that the credit card was coupled with the policy so I had no other option but to apply and then cancel it.I fell for it.
I am trying my best to cancel it from 6 months but to no avail.I currently have a bill of Rs 9115 courtesy of the policy which I did not want.I have even deactivated my credit card.

I tried calling to the same number that I spoke to but the numbers have changed.

Please note this as a complaint.

Here are my details:

Vignesh Prakash

A/c number[protected]
Bangalore Kumarapark branch.

Anil Kumar Jain

from Bemetara, Chhattisgarh

ICICI Lombard Insurance — I pay for house insurance but no police non payment given to me

Dear Sir I have taken home lone from icici bank my home lone A/C no LBBSR [protected] amount seven lakh same time agent persue for house insurance.I given Rs 6200/- chek in favour of icici lombart insurance com.which cleared from my a/c but til date no police issued to me nor any responcegiven tomy requiste please inquire on same matter

s.sarathbabu

from Bengaluru, Karnataka

ICICI Lombard Insurance — Non receipt of Health Card

Sir / Madam,

I have taken ICICI lombard Insurance health card for my family in 2008. Policy no.4034/CHT/03890986/00/000. Then I opted for a renewal of insurance in 2009. The Lombard People are debiting annual premium of rs.6326 in EMI for 12 months . But till date I have not recd the renewal healthcard for my family . So far None of the executives called me regarding renewal card issue. If the issue is not solved immediately I am prepared to cancel my renewal card. kindly take necessary action immediately or you will lose a customer.

Regards
S.Sarathbabu
[protected]

tandurkar

from Mumbai, Maharashtra

ICICI Lombard Insurance — Misselling of policy and revert complete amount for first 3 days

I had a Family floater individual policy issued Period of Issuance 2 Year dated From 16-Oct-2009 to Midnight of 15-Oct-2010 So as the renewed date is near I got a call from CC person and informed about the details. The amount displayed in website was around 5400 approximately which is common for first and renewal says website and I was informed about Rs 6616 accruately for renewal of the above specified. this is renewal premium amount.

I was told that I will recieve a confirmation call where I need to confirm the policy, where I didn't recieve any calll and next day I found My credit card was holding the renewal information with 6616 rs.

Immediately I called CC [Customer Care] I asked the renewal amount for the policy, they told around 5400 approximately.

first 3 days the cancellation amount is free I was told and cancelled it immediately but do I get this Zero cancellation charges. will I get my whole amount 6616 back to my credit card?

How come a customer care guy does everything without confirmation call?

Renewed Policy No 4034i/FPP/02717115/01/000
Previous Policy No 4034/FPP/02717115/00/000
Sum Insured 3 lakhs for renewal additional 30,000 is added ie total 3 laks 30 thousand

Collection No: [protected]
Collection Date 02-Oct-2009

Request / Complaint no for misselling and cancellation of policy: 31009608

I am lodging this complaint with an hope to get my renewed amount completely back.

Sunil S. V.

from Mumbai, Maharashtra

Icicic Lombard Insurance Co. — Unnecessary Telly calls

For last more than 10 days receiving unnecessary tele calls from this co.'s Thane office. The worst part is on repeatededly informing the tele caller's, Priya, Kalpana, Rani and their Team Leader Imran, who promised to delete my name from their data base. Still getting unnecessary calls on my cell as well as getting calls on my landline. Harrasing family members by calling between 2 to 4 O' Clock, which is usually be a resting time for my aged parents.
It seems that the system (DNCR) of ICICI Lombard is faulty (Request, IRDA Authorities to check the system of this company thoroughly) or harrassing the people intentionally.
The concern Manager /Branch Manager / Regional Mgr has No Control on their telecallers or back office in trying to generate more business with Mental Torchur and Harassment to the public.
Hope management will seriously look into the matter and Improve on the system for DNCR and will stop harassement hereafter.

Sunil Sawant

srikanth_ks

from Chennai, Tamil Nadu

ICICI Lombard Insurance — Non delivery of motor policy

Hi,
My motor policy dispatched on 6th of Dec, 2011 has not reached my address yet. AWB no. is [protected]. Please verify and re-dispatch to my proper address. My contact No. [protected]

arjuns763

I have a Icici lombard insurace from the past 4 years and i am not happy with their services. So I said i don't need but they are irritating me by calling daily 30-40 times , even i said i am not interested also , because of this i am irritating and in my work also spoiled of this continuos calls.
If need I can provide the call list to know how many times they are calling in a day.