ICICI Lombard Complaints & Reviews

Denial of cashless request claim & access

Claim of sunil kumar digambar bhasale
Uhid[protected]
Policy number 4113i/xol/83165750/01/000
Policy period 24-sep-2015 to
Al number[protected]

Icici lombard has denied cashless request of rs 31912 & further access for my claim on treatment on gallstone infection, by claiming nondisclosure of hypertension at the time of policy commencement. the two are unrelated. the policy has been terminated.

There is no connection between gallstone infection & hypertension.

My policy is in force since 5 jan 2007 and all pre-existing diseases are said to be covered after 4 years.
Hypertension is a recent development.

The gallstone treatment is yet incomplete and i have been advised for laproscopy for removal of the gall bladder itself. icici lombard is trying to avoid this treatment cost too by terminating the policy which is valid upto 6 jan 2019.

Icici lombard is behaving unethically resorting to unfair trade practices when it comes to claim settlement.

Pl look into the matter and advice icici lombard to honour its commitments.

Sunilkumar bhasale

Please see below my claim details:
Claim ref number: mot06355256
Policy number: 3001/[protected]/00/000
Name of insured: dharamjeet r prasad
Date of survey: 15-feb-2017
Date of accident: 10-feb-2017
The surveyor was kamal goyal. He did not come for the survey and asked for photographs from rahul motors. He rejected 2 out of 3 claims saying that they are 15 days old. He refused to physically verify the same on my request and told me to complain to anyone i want. He told me only he is the authority who will decide my claim ammount and he will not allow me to get justice.

My Motor claim no. : MOT05850628
My Bike was ready in the month of September and I was told that the amount of reimbursement will be received in the month of October. Its been over 5 months now. I have yet not received my reimbursement amount. I did not receive any positive sign or a date by when I will be getting my reimbursed amount by the person who is looking after my claim from ICICI LOMBARD. All documents were submitted by me through the service channel (S.M Auto - Goregaon - A Mahindra Authorized Service Centre). I could not understand the reason of such a delay.

I want my issue to be expedited.

Nilotpal Singh.
Bike : Mahindra Mojo

Dear Sir,

my name is SHANI SOLANKI i want the purchase second hand 2 wheeler before 2 month i am sending of request owner change declaration, & RC COPY, RTO RECEIPT dtd: 04-JAN-2017 but right now no body action for change of owner policy name attached photograph i always sending of chq- but not transfer the policy holder name.
POLICY No. 3005/[protected]/00/B00
Vehicle Reg No. GJ-01-EU-9866
.
.
.
.
I AM WAITING...
HOW MUCH TIME...?

SHANI SOLANKI
Mob: [protected]

I have sent the following email on 28.01.2017, till now the problem is not resolved / there was no positive reply from icici lombard and gem motors, hyderabad - service provider. I have very bad experience with your service, on 19.01.2017, I have raised a claim and it was registered on 20.01.2017, no. is MOT06280482. There were several damages to vehicle during single incident on 16.01.2017. However could not do proper survey, hence could not justify my issue. Mr. Uddin had informed me that only mirror can be covered and other damages are old, I did not agree, he said he will provide old photographs, I have shared my email id to Mr. Uddin, Several times I have called him, he is not responding properly. He did not send me old photographs,

Request you to cover all my damages as it is happened during single incident.

DS Krishna
[protected]

Sir by mistake i accepet there policy only on call. and they deduct money from my icici credit card. after cancellation of my policy they just give back only 45 % cash back.. who will pay of reaming balance of credit card?
only by call i accept this policy without any signature on it..
icici credit card alredy gives 16000 to icici lombart via credit card.. after cancellation they just refund 8000. now i have to pay remaining feess..plz solve this problem..
my cancellation no. of icici lombart is[protected]
[protected].. thanks

I am Amir Azam and having a swift car. I am regular customer of ICICI Lombard having policy for many years for all 2-wheelers and 4-wheelers in my family without any laps. This time I am in trouble due to ICICI Lombard. My car got accident and I gave it to Radha Govind Automobiles (muzaffarnagar). Front Bumper, back bumper and left hand side mirror damaged in this accident but surveyor is not approving the back bumper and side mirror. He is only approving front bumper and tail light.
I am not sure of the reason why he is not approving the other things. Now my car is pending with showroom for the past 10 days and i am facing a lot of issues because of this.
If this sort of service you provide, i really have to look for other options while buying insurance.Please look into this higher priority.

Details are following here:-
Name:- Amir Azam
Email: [protected]@gmail.com
Vehicle No. UP 12 AF 3362
Policy No. :- 3001/MI[protected]/00/000
Complaint number[protected]

It seems its a common practice in ICICI Lombard to issue policy with wrong details and then give endorsements correcting the policy and that too if customer requests. I don't know what they gain by doing this but it seems they can reject claims on this basis.

Its simple common sense that Shraddha is a female name and Jagdish a male name. Still, they reversed the genders on the policy. When asked to correct, they issue an endorsement as if it's we who are making the correction.

They are not even ready to acknowledgement that this correction is because of the mistake of their issuing team who purposely does this. How else can anyone make such a mistake? I say its common practice because even my husband had to make endorsements on his car insurance with ICICI Lombard when they mentioned address completely different than what was specified. And then they give endorsements when we point out the mistake.

Why should a mistake that was made by insurer in first place have an endorsement? An endorsement is for something that needs to be corrected, modified in the policy from customer's side. When we specified everything correctly, the policy should be issued with the exact same details, and not an endorsement.

This is a fraud because they don't even acknowledge that this endorsement is because of their mistake. If they're so genuine and honest, why not give a written acknowledgement?

Oh, and they don't provide audio recordings. They say only in case of claim they will be provided. (I think even that will not happen looking at the cheating that this company does)

I am Sharad Kumar Sharma and having a swift VXI car DL 8C AJ 2124. I am regular customer of ICICI Lombard having policy since December 2014 without any laps. This time I am in trouble due to ICICI Lombard. My car got accident in Ahmedabad on 22-Jan-2017 late evening and I gave it to Kiran Motors (Ahmedabad). Front Bumper and left hand side mirror damaged in this accident but surveyor is pproving only bumper. He is not approving left hand side mirror and said it is not matching with accident cause. I don’t know how the person can decide who was not on the spot, even I explained him the case. From 23 January 2017 I am suffering a lot just because of ICICI Lombard’s behavior. Initially surveyor was not tacking my call, finally he met me today (06-Feb-2017), and I got disapproval after 15 days long wait. I have registered also a complained in customer care on 29 Jan 2017. On my first call they updated me that you will get solution with in three days but I didn’t receive any response than I made a call again after 2 days and after that day they are continually increasing resolution time. “Request no.is [protected]”. Please look into this higher priority. If this time I do not receive any positive response then I have the only option to go in Consumer Court and also make sure to surrender all the 17 ICICI Lombard polices and will make sure no business to ICICI Lombard from my near and dears.
The overall experience is quite dissatisfied/pathetic.
Details are following here:-
Name:- Sharad Kumar Sharma
Vehicle No. DL 8C AJ 2124
Policy No. :- 3001/m[protected]/00/000
Customer Care Complaint No. :- [protected]

Had taken a accidental policy in mid 2016, today they called me stating some additions on the same plan. I was not interested in plan and communicated same to the caller. Even after clearly explaining that i am not interested they kept on trying persistently. I received a total 20 - 30 calls back to back.

Calls seemed to never end even if i rejected or answered the call and thereafter saying not interested.

Had a terrible experience, had to accept some policy only to remain in peace ( free from calls ) and focus on my work.

My wife has Missed abortion in April 2016 after that she was suffering from missed periods for which She was under medication for 3 monthS. Then doctor suggested Hystroscopy for further treatment in October /November. She got her periods after this treatment but the claim of 27000 was rejected by ICICI saying that this is under infertility treatment And we don't cover that. But she was pregnant In April and how they are saying this is infertility.

Claim Number [protected]
Claim of Shruti P Patil
UHID ILGIC/A67/00/[protected]/W
Policy Number 4016/[protected]/00/000
Coverage Period 01-FEB-16 to 31-JAN-17
Date of Admission 17-SEP-16
Date of Discharge 18-SEP-16

Dear sir,
This is in regarding my motor claim no- MOT05851135 for my vehicle . I want to make to your notice my case so that you can give me positive response.
I have purchased a second hand car from Mr. Khushwant Singh on 24/04/2016. I gave my car papers to the RTO agent for Transfer on the next day. The agent said me as my car was mh04 THANE passing it will take time for transfer to Mumbai. He meant that he will have to get the NOC from thane RTO and then pay the OCTRIA on the car and then will be give to the Mumbai RTO. I felt the reason was very genuine so I gave him the job for the transfer as i was not able to do this whole process on my own, as everyone dose. but I requested him to do it as soon as possible. I was in touch all the time for the papers . On 1 st of July my car was given NOC from the THANE RTO for Mumbai RTO . Now the other process of OCTORIA was to be done . In that time I was out of station. I came to Mumbai on 20/08/16. I was about to go to him for the octoria but my car was robbed on 23/08/16 in early morning.I immediately got the FIR done and informed to icici Lombard co. for this.I asked them that if i have to transfer my car by paying the octoria . the concerned person said that it is not required. He assured me that it will not make any obstruction on claim disbursement, I will get my claim after the final report within 15 days if i not got my car back. I submitted my all the papers with the final report after 4 months of stolen car date. After this i got a call with the mail on 27/01/2017 that my claim is been canceled due to non insurable interest. Please help me as I had purchased my car with hard earned money . I said him that to give the claim money in the first party's name ( Mr. Khuswant Singh) . I also mailed the icici Lombard co whose reference no is[protected].

For policy 3001/[protected]/00/000 - payment has been deducted twice. See attached photo. It was told to me that I will get money back in 4-5 working days but its been a more than a 2 months, I have not got my money back. I am following up with person who processed policy, I have raised ticket #[protected] and [protected], American Express is following with ICICI lambord but issue has not resolved yet. Its a shame that they are sitting on my money and could not return in 2 months.

I purchased tata tiago at time of loan they sell a policy of icici lombard without any explanation of product's benefits. When i received the policy kit i was surprised there is few diseases including in this policy.I want my total amount refund back without any delayed & without deduction.
Regards
kumari seena devi
policy no 4080/icicial/[protected]/00/000
[protected]

Dear Team,

I got policies initiated for health and group cover with loan coverage for which I have registered myself and wife for 4.5Lakhs insurance in total associated with my home loan account

Since i had to relocate to Germany i cancelled all the policies with immediate effect from 16th of December(date of receipt of policies - 7th and 10th Dec) .I requested to cancel all the Policies associated with this loan account and mobile number of me and my wife ([protected] and [protected]) however the policy associated with my wife's name listed below wasn't cancelled when i checked today which was due for cancellation on the 16th of december when i requested the customer support team told the effective date has to be 16th and only the grievance team can help and cancel all the policies effective 16th December

Home insurance policy
4013/[protected]/00/000

and for the second policy though cancellation was initiated within 8 days of me receiving the policy i had been processed a partial refund for which i had requested to reopen this ticket the below policy has to be correctly refunded ([protected])

Group Securement policy
4080/ibhspll/[protected]/00/000

As per the cancellation policy we need to cancel the policy within 15 days of receipt of the same. I had received the policy on Dec 7th and had done the cancellation on 16th December and i still checked from the customer service that the refund has been only partially given, as per cancellation clause i got the policy in hand only on 7th and within 8 days had initiated cancellation and Since this involves huge sum of money early response is appreciated. Also i am not sure the 3 policies sum upto 3, 50, 000 however i was charged 450000 towards insurance as a part of home loan, I am not sure where the other 1 lakh is invested

I had copied the bankers from whom the loan was processed and i am really not sure what is the break up of 4.50 laks as the customer service team said they can process this only 3 policies resulting in 3.5 Lakhs

I will appreciate any early response in this regard and since i am in Germany kindly respond with email so that i can follow up and my wife can go to the branch to close this out

Let me know if there is any other information is required

Regards
Karthik Jegannathan

We had intimated via mail 0n 10/12/2016 to icicilombard on ihealthcare and they had provided me no[protected] .We had submitted my claim with all fully furnished documents in original and they had rejected stating that we had not intimated them within 7 days. Whereas admission is on the same day on which mail was sent on registered id as [protected]@icicilombard.com

My id is shriom.[protected]@gmail.Com
[protected]

To,
ICICI Lombard Health Care

Sub : Second Complain Letter

After a long waiting period and unprofessional behavior, i am forced to write this email and Expecting a result now!!

This is Regarding Reimbursement of the Health Care Claim which is Pending which is pending past 2 Months

The Documents were received by ICICI Lombard Head Office Hyderabad
On 19/10/2016
Claim Inward No.CL[protected]

Claim Registered
on 22/10/2016
Claim No[protected]

Mail from ICICI Lombard Regarding Additional Information
on 16/11/2016

Mailed Additional Information Documents to ICICI Lombard
On 24/11/2016
Interaction ID[protected]

Also
Dr.Zaheer Abbas from ICICI Lombard visited our House regarding same
On 29/11/2016
and gave a word that with 10-15 working day the claim would be clear

Request for Claim Request on[protected]
on Date 20/12/2016
Reply Received "Claim is Under Process within 15 working days it will be settled"

NO Response after more than 15 working days

First Complain Mail Sent to ICICI Lombard
([protected]@icicilombard.com,
[protected]@icicilombard.com, [protected]@icicilombard.com)
on 2/1/2017
Interaction ID[protected]

Reply received on Email from ICICI Lombard for First Complain

from Naveena Gajarla (Customer Relationship Manager)
Customer Service Desk
ICICI Lombard GIC Ltd.
"your query is under investigation, kindly allow us 6-7 working days we are in the follow up with the verification team to process the claim on top priority."

On the Same Thread mail was again sent since more than 7 working days were over and no response was obtain
on 16/1/2017

Request for Claim Request on[protected]
Call Center and also Priority Desk
(Sneha Pardesi replied saying claim is under investigation and she'll we respone in 48 hours)
on Date 16/1/2017

According to the Telephonic Conversation i was informed that "within 15 days of receiving the documents the claim shall be processed and cleared" by the employee of ICICI Lombard

I have also requested claim status on Phone Line No[protected] but there was to no positive responses.
In all 4 calls made to ICICI Lombard the only replied i got is till
16th January 2017 "Sir your Claim is Under Process"

This is very discouraging behavior expected from such a renounced HEALTH INSURANCE COMPANY.

I believe within 48 Hours there will some clarity toward this endless delay to clearing the claim.

Information to expected in write beside just replying "Your Claim is under process"


_________________________________________________________________

Details of Patient
Claim Number [protected]
Claim of Dhanvanti Zaverchand Savla
UHID ILGIC/2HN/00/[protected]/M
Policy Number 4015/[protected]/00/000
Coverage Period 31-OCT-15 to 30-OCT-16
Date of Admission 20-SEP-16
Date of Discharge 23-SEP-16
Diagnosis Fracture of femur
Hospital Name Bhatia Hospital.

I Have credit card of ICICI Bank Coral Credit Card, fraudently they charged Rs. 11880/- in respect of health insuance and started EMI of 519.43 (incl. Sevice Tax charged against this card, POLICY NO. 4065/SM/[protected]/00/000 dated 28.11.2016 . i have submitted a lot of time to request for cancellation of my policy but no response, till after 45 days they reverse a small amount of Rs. 4650/-.

This is fraud, the employees of the ICICI lomabard are totally fraud. from starting i.e. 30.11.2016 to 09.01.2017 i.e. 45 days they replied again and again we are trying but no one respond. i am very frustrated to these types of insurance policies. fraudently they are selling their policies and charge unnecessary charges from customers.

RAMAN BANSAL
POLICY NO. 4065/SM/[protected]/00/000 dated 28.11.2016

My car is with Hyundai service centre for accidental claim with claim no - mot06213901.
At the time of inspection for zero depreciation insurance no one informed me that you will not get approval or no inspection report was given, they told me your inspection is clear no problem in it. . They made wrong inspection report. My left side tail light was without any damage or scar clearly visible in preinspection photo they marked it broken. My back bumper was slightly loose only they adjust bumper like tat marked broken, my front bumper is ok they marked it scratched, tottaly fraud . I will never suggest ICICI Lombard to any one . They even did not told us their inspection report, they did it smartly and fraud by giving wrong inspection report.

When i am claiming the insurence the officer is refusing to give the claim because by mistake i gave the wrong surname of the driver(my cousine ) as he generally use 'Kumar' as the second name but in the driving license his second name was Pegwal, due to this reason your area service manager Mr.Aashish shrivastava refused to give the claim and also was misbehaving with me and said do whatever you can do I am not giving the claim.