ICICI Lombard Complaints & Reviews

Hello,

I would like to mention you that I have been cheated by ICICI Lombard Insurance Sales and Customer representative.

Here are my policy information :

Policy no :4034i/fpp/02609255/02/000
Start Date : 8th Sep 2007
Policy Holder Name : Jyoti Yagnik

AL Number :[protected] for the claim which got rejected on July 7th 2012.

I am a payee for my mother's mediclaim policy since last 5 years.Ever since I bought a policy,It was clear statement made to me that after 4 years, all the pre-existing diseases will be covered.

I made a claim on April 8th 2009 for my mother and claim got rejected saying it is a pre-existing diseases such as diabetics(pre-existing disease) will be covered only after 4 years.When I spoke to ICICI Lombard customer representative,they are not able to find any information on this claim.This is shameful where company don't even make a history of patient records.

I renewed this policy every year and also paid 5th year policy payment from[protected].

Couple of days back,My mother admitted to hospital and her claim got rejected with same reason which you mentioned in April 2009.When I spoke to your customer representative,they said that since you did not inform any thing about pre existing diseases when you bought this policy,this policy will not cover any pre-existing diseases.

It looks like I am clearly betrayed by ICICI Lombard.Every time, I make a claim on this and claim rejection happened for same reason.

I am looking for further guidance

Thanks,
Rishi

Dear Friends, I want to share my experience on mediclaim policy purchased through telephonically from ICICI Lombard Genl. Insu.Co.Ltd. When I was purchased mediclaim policy six years before they have not CLEARLY mentioned any where about cancellation charges OR the sales executives not explaining about cancellation PERCENTAGE whenever they are calling the customer for renewal purpose. If you are going to CANCEL the mediclaim policy even after paying Rupees sixty thousand in six years, they will levy huge amount of penalties and showing by-laws which they have not advised to the policy holder in past (in detail). I am having mediclaim policy of ICICI Lombard for the last six years and I have paid near about Sixty thousand rupees to the Company as premium and also I have not used the policy till date and I have not claimed single rupee from the Company. Now I want to cancel the policy. The Company says that on cancellation of policy they will refund 75% of premium amount if the policy cancelled within a month, 01 to 02 month 50% amount will be refunded 02 to 03 month 25% amount will be refunded. I cant understand how they are calculating cancellation charges ? I dont know that they are giving services within a month amounting to 25% of premium amount ? It means they are giving services 50% equal amount within 2 month. It is my request that in future whenever you purchase mediclaim policy from ICICI Lombard you may please ask them first about cancellation charges. They are also passing time in cancellation so that they are enable to deduct amount for more than one month period in the name of procedures. I have applied one month before for cancellation and they are passing time and informing me about percentage of refund only which is heavy penalty to me. I think ICICI will consider my case humanitarian ground and will not levy heavy amount as penalty and should refund full amount. Awaiting early favourable action please.

Myself Shashikant Rehapade and working with MSCI services Pvt. Ltd Mumbai.
have customer id-ICICI/MCI/00/000000/141/S
I am about to admit my spouse for her maternity on 22nd Sept 20111 and suddenly today I came to know that I am just eligible for another 1000/- as my claim amount.
The reason I have been told is that I have already claimed remaining amount of Maternity limit of 50000/-.
But in month of May/June when I have tried to confirm this your customer care executive provided me very wrong information as given below.
1. Total maternity limit is 50000/ for normal and 65000/- for operation cases. Today I asked executive told me that it is just 50000/- for both the cases.
2. She said my earlier claim of 49000/- will be considered as normal medical claim and maternity claim will be is separate. So I can use 50000/- limit.
3. After her confirmation only I have selected Network hospital CARE Hospital though it is far away from my house(Nagpur) assuming that I can claim this amount.
BUT now,
Before only 2 days I came to know how wrong information given by your Executive is going to cost me around 30000 to 40000 more?
I am not silly to approach the Network Hospital which is 10 Km away from my home, when small but good hospital are available near to my home.
So first of all I just request you to check the recorded conversation I had with your customer care executive. Please don’t ask me her name ..i guess there are various ways to find that conversation( if you are really wanted to search it). If she is still with ICICI then ask her the reason and then get the amount from her if you want.
Once again I want to say here please stop giving wrong info to people at least your corporate client.
And start recruiting some smart and eligible people who can give customer, correct and detailed information and stop misleading the people.


On This the GREAT response from ICICI lombard----
We are sorry for replying late to your e mail.

However kindly note that as confirmed by our team,a call from our end has already been made to you accepting that the error was made from our call center executives end however we shall not be able to go against our policy terms & conditions.

We are really sorry for the inconvenience caused to you.
Where should i take this SORRY word and who will give me my loss of 30000/- to 40000/- caused due to this wrong info????

Regards,
Shashikant R.
[protected]
[protected]@yahoo.com

i pramode kumar, bearing icici lombard policy no 3005/68070672/00/B00. claim amount not yet passed. it was nearly a week ago. 3 days back (19/6/2012) i visited the mangalore office. but kiran ([protected]) said, the amount will be deposited on 19 or very next day 20th. but still today (22/6/2012) money not deposited. today i contacted him over telephone , he is saying, it will be deposited on monday. actually, they don't have work on saturday and sunday. if monday going to deposit means, i have to wait 3 more days. mangalore branch people unnecessarily creating nuisance.

Hi,

I had made a payment of Rs.9529 towards renewal of my 4 wheeler insurance with ICICI Lomabard. Since then till now my policy has not been issued inspite of repeated complaints with their customer care. They giver an assurance that insurance policy will be delivered in a day or two however they have been sending only the old policy and not the renewed one. This makes me feel that they are cheating and looting my money without providing the insurance. Is their anyway that i can get money back from them and raise a consumer cheating case against them?

Regards,
Tamilselvan

Dear Sir
I bought a bike(Karizma) in April 2010 from Khanna Automobiles Tilak Nagar and from there only I took the insurance i.e from ICICI Lombard. They gave us papers which included the insurance of bike as well as the accidental/death insurance. There were no papers regarding any terms and conditions and neither they informed me about any terms and condition and neither I signed any. i had an accident and asked for claim for the damages in the bike. And they gave unnecessary excuses like the dames are 10 days old or that I used glue so they want give claim for that object. And that was annoying as there were no terms and condition for the same. So I took my bike from there and repaired from a local shop. But still I need a resolution that why these Insurance Companies are working in a fraudulent way. Because I lost my money for those Insurance policy that I took and in the end which was no use to me. I hope you would be able to help me in a better way.

Thanks & Regards
Chirag Arora
[protected]

REFERENCE:

Policy:4034i/hir/w-1708697/01/000
ID-[protected]

Since I am away from India I requested to renew my policy on online so that I can pay by my debit card of HDFC Bank. My policy expires by 21 May 2012. I tried my best by contacting customersuport They merely gave me the above mentioned ID. Also informed me that the policy will be online.But till date it never appeared on line. I have already paid claimfree more than a lakh rupee to the ICICI now if they dont renew I will lost the privelege. I am a senior sitizen and have mentle upset due to the behavior of ICICI. I am coming back to India by 1st week of September and definately after coming I will approach the courts specially consumer court. When I Approach the ICICLambard before leaving India to renew my Policy.Cleverly the lady told me that You can renew your policy after April2012 from anywhere in the world.
SHIVENDRA MOHAN SHRIVASTAVA
PUNAM SHRIVASTAVA

ICICI LOMBARD is a company that is designed to cheat customers. I am the proposer for a policy for my mother. I have been renewing it every year since 2008. In 2010 my mother got hospitalized in an emergency. She was taken to a in-network hospital. ICICI-LOMBARD denied the CASHLESS benefit saying that her policy is not valid. I confronted them with the documents but they put all sorts of bureaucratic hurdles in the way. Six months went on, I had to complain to IRDA when they finally acknowledged that they made a mistake. Then they asked me to produce all the documents to get a reimbursement. Obviously, I did not have all those documents six months later and they conveniently did not pay us anything.

I am convinced that this is their modus operandi. They do not intend to provide any benefit to any insured. They are plain and simple CHEATS! Stay away from them.

BTW - IRDA did not take any action against ICICI-LOMBARD either. The only way to fight back is by spreading the message.

Dear Sir,
I am Pravin R Shah, from Ahmedabad. In Dec 2009 i purchased Maruti Swift VDi, from kataria Automobiles, Ahmedabad with ICICI Lombard Car Insurance. "My car was running fine, but on date[protected] while driving the car my driver and my nephew were going to home at prahladnagar, suddenly some smell started coming from the car and immediately on the way they stop and leave the car at usmanpura under bridge and saved their life's. After leaving the car due to some technical fault the car started burning and within 5 five it had taken the hug front portion of the car ( including the engine ). My nephew call the 101 and inform the Ahmedabad fire brigade about the situation. They came after approximate 15 minutes and controlled the fire. " We simultaneously inform the Kataria Automobiles about this situation. Next day the insurance company surveyed the car and took for the total loss as whole engine was burned. With the help of kataria automobile who make us feel good and helped in the frustrating process of claims. But all in vain Insurance company is not resolving the problem and keeps on delaying the process . Kindly help us in receiving the insurance money.

Thanks
Regards
Pravin R Shah
[protected]

I paid Rs.18,100/- by cash through M/s Wings Travels, Pune- 411006 on 16/08/2010 for Insurance policy of my new Tata Indica Car, ICICI Lombard gen. ins. co. Ltd. Policy cover note no. GG 2035979 Dtd 16/08/2010 and Wings Travels Cash receipt no.RC-AUG-064 Dtd. 16/08/2010 . Policy premium is Rs. 13,400/-, I asking for policy to ICICI Lombard, Sorabh hall Building, Pune and Wings travels, Pune- 411006; these people are not able to give me my policy document and also remaining amount Rs. 4700/- . I am following regarding this matter since last 1 Year. Nobody replying me. Please suggest me how to solve this matter.

Thanks And Regards,
Narendra Kalyankar
Morya Enterprises,
S.No.146, 3/4/5, Garmal, Dhayari,
Pune-411041
Mob. [protected], [protected]

Respected Sir/Mam,
I am D.Deshakumar who have an mahindra xylo car,my car insurance renewal is on 10th April 2012 i already have an insurance with TATA AIG.But recently a marketing person from ICICI LOMBARD name SASIKALA called me an gave me wrong information that they have a tie up with INDIA GARAGE and she offered me discount and took a cheque for Rs.15,612 for my car insurance renewal.I also gave the cheque thinking that they have tie up with india garage.But few days later i got a call from india garage and the asked me for renewal of TATA AIG insurance.I said i gave to ICICI LOMBARD but INDIA GARAGE has told me they don't have a tie up with icici lombard and the main thing is THE CLAIM PROCESS WILL BE HECTIC WITH ICICI LOMBARD AND I AM THEY ONE WHO WILL SUFFER ALOT TO GET THE CLAIM.Once i gone for a claim with TATA AIG and the claim process was very easy and i was cool and TATA AIG was veery fast in rectifying my claim.But because of hearing wrong information from icici person i gone wrong and want to do STOP payment to it..

Contact Details of ICICI LOMBARD who gave wrong information is
SASIKALA
Ph.No.:[protected]

My Details:
D.Deshakumar
[protected]
Mahindra xylo car
policy expiry date[protected]

As per interaction ID [protected] raised with ICICI LOMBARD till now money not refunded in my account already multiple times informed on help desk & also mail to customersupport
on 3rd march 2012 from my alternate email-id --amol.[protected]@relianceada.com still no response from ICICI lombard for twice transaction for single medical policy (4034i/FPP/05119215/01/000) .

ICICI credit card transaction details mentioned below



Card Number : [protected] - AMOL THUMBARE Date Ref. Number
Transaction Details Transaction Amount

Domestic Transactions
17/02/2012 74678722050069320558017 ICICI Lombard GIC LTD. F Rs. 10,436.00(DR)

15/02/2012 74678722047069309307127 ICICI Lombard GIC Rs. 10,436.00(DR)


as per credit card transaction details mentioned above from ICICI lombard twice transaction done for single policy(4034i/FPP/05119215/01/000) ,already ICICI LOMBARD MEDICAL policy renewed online 15/02/2012 through internet by myself .
Then why again on 17th feb 2012 transaction done for same policy again by ICICI LOMBARD MERCHANT via my credit card account

already same mailed to ICICI LOMBARD email id [protected]@icicilombard.com for refund my payment 10436 back to my credit card account ,now compaint id pending from around 20 days no response from ICICI LOMBARD .i want to raise complaint against ICICI LOMBARD for my payment refund




From

Amol Thumbare
MOBILE-[protected]
[protected]@rediffmail.com
another email--amol.[protected]@relianceada.com

Hi,

I have bought a Online Health Policy from icicilombard.com

I have made Payment on 15th Feb 2012 and did not get any response for medical check up and submitted a complaint (No: [protected]) on 22nd Feb 2012 to fix the medical appointment.
The medical test was conducted on 24th Feb and did not get the Policy issue details hence again one more complaint (No: [protected]) was submitted on 7th March 2012
Please get involved in this issue and help me to get the health policy as early as possible. Its almost 1 moth that I have made payment and also to get one policy already 2 complaints were submitted in ICICI customer support.

Note: Policy No W-6184800
Amount: 8623 RS
Thanks,
Sandhya
[protected]
sandhya.[protected]@wipro.com

sir,
kindly find the detials of claim which was given no claim in atachment . As with thought Reputed private concern services and explaning by the Relationship Manager of iciciprudental general insurance co.ltd. siliguri branch i have done this policies of Contractor all Risk policies so that i may get relive during unpredict circumstance of loss. but at the time of claim it was found that he and his company underwriter have given policies with excess claim as: 5 % of claim amount subject to Rs.20,200,000/- , in case of" Act of God' and Normal claim 5% of claim amount subject to minimum Rs. 50,50,000/- when asked to Relationship manager after receiving the policy together in front of agent, Relationship manager stated "that much minimum ie (Rs.20,200,000/-)and (Rs. 50,50,000/-) . amount is claimable deducting 5% from it". today at the time of claim of Rs. 5793164 it is found that this whole amount will be deducted from claim amount. ie claim amount should not be less then Rs.20,200,000/-. when i call for intemating claim they have sent made servyor and all and even ask me to send report of damages as if i will get for which i have to stop all site work for 45 days which was another loss for me. servyor also did not made Perfect servey and stated send report minimum report of damages so to get claim quickly. icici prudental general insurance by takeing insurance premium of rs.88,551/-( Eighty eight thousand five hundred fifty one rupess) for 6 month and giving all false assurance and tunning it to no claim at the time of claim to the work which is made compulsary to contractor to do by Govterment Order if it lies no safe futures just to take premium then why to buy insurance. my contract work of Rs.45052000/- in which fifty percent work was already completed and for which i have no risk remiming fifty percent was left for completion for which i have taken insurance.

if iciciprudental general insurance sell such policies to contractors then it is clean chit to deframe all moral value and order of goverment of india which safe guards to contractor, development to nation and other liabilites to complete work stands chitted by such insurance policies issued by icici prudental general company and its employes making fool to people who have less knowledge in insurance. if insurance is toll to make fool to people with less knowledge in insurance then why Goverment have made compulsary to do insurance to people with less knowledge. Is iciciinsurance company heiring such knowladgeble employs ie Relationship Manager, underwriter who is paid by company for doing a wrong interprate to sell policies which left policy holder nowhere in such times for claim. Is icici general insurance company know that people will never wast there valuable time and money to by insurance which will give no claim. icici general insurance company should show me such 50% of policies they have sold in this fisal year and policies holder have excepted it.

sir look into my matter and safe me from such chitters as for no one there is always some one to help and your precious cooperation in this matter will bring light to this matter of false sealling.

kuber raj rai
mobile no [protected]

DEAR SIR / MADAM,

FOR DOING ICICI LOMBARD RENEWAL AT DELEAR AGENT POINT THEY ARE CHARGED ME ADDITIONAL RS.50/- AS ADDITIONAL CHARGES. WHICH IS NOT AT ALL CORRECT THE ACTUAL CHARGES IS RS.598/- ONLY FOR INSURANCE HENCE THEY HAVE COLLECTED RS. 648/-.

THIS IS COLLECTED BY THE INSURANCE AGENT TO ALL THE CUSTOMERS, HENCE THIS IS TO BE AVOIDED IN FUTURE. AND PLEASE LET ME KNOW HOW TO GET THE RETURN AMOUNT FROM THE AGENT.
MY CASH RECEIPT NUMBER 23576 PAID AT NAGAPPA AUTO MOBILES AT KELLYS CHENNAI

REGARDS,
PRAKASH

I have been purchasing travel insurance regularly from Icici lombard for myself and for my entire family for the past 4 years. last year dec2011 I actually needed to use it. It was the worst and most embarrassing experience of my life. The company claims to tie up with UNITED HEALTHCARE in the US which is why i purchased this insurance. They even give you an ID card with your details and ID number with UH when you purchase your insurance. But this I realized is a big SCAM. When the time came to use the insurance, let alone letting me know of the benefits involved, I wasn't ON THE UH SYSTEM!!! They had no intimation of me as an insured party! I spent several days and hours with ICICI lombard from my trip abroad, i made calls to UH myself, but nothing got done. I needed a small surgery which needed a clearance. I can understand if they wanted to deny me that, but not finding me on their systems was just ridiculous. I had to come back earlier than scheduled to have the surgery done in mumbai. The only thing the claims dept was good at was to call/mail me to send them documents so that they could reimburse USD 35 out of the USD 135 that I spent at the OPD! My policy number was 4030/W-5230777/00/000 . Please do not ever buy insurance from them.

On 1st Feb. 2012 I had received a call from Mr. Salil whose Manager's Name given to me was Mr. Ashok Naikode (Emp. Code No. 96456) from ICICI Lombard & had offered to increase the health insurance cover to Rs. 8.50 lacs on my existing Health Insurance Policy No.4034i/HIR/05056154/01/000. On my acceptance of terms & condition as explained by Mr. Salil, I had give go ahead for charging Rs. 3033/- to my SBI Credit Card No. xxxx xxxx xxxx 5061 but till date no Receipt for the charged Premium amount Rs. 3033/- is provided nor any document acknowledgement for receipt of payment is received. Copy of Credit Card Statement is also attached for reference which clearly shows that the amount of Rs. 3033/- is charged to my Credit Card.


I had listened that the all ICICI Brands be it CREDIT CARD or ICICI BANK or ICICI LOMBARD is run by bunch of theives but have experienced the same for the 1st time. When I called their Toll Free No. 18002666, Their Executive named Ms. JOYCE put me on hold for more than 45 minutes & also promised to call back but not called back.


I have no doubt in saying the the services of ICICI Bank is of 3rd class quality & prompt me to approach Consumer Court to get the refund as well as compensation for mental harassment.

We had taken a mediclaim for the full family & when my husband was hospitalized, we were denied the money. I have attached the letter send to them by my husband. Now, when the claim is due for renewal, they have started calling us for the same. We have been paying them for 2 consecutive years.


June 7, 2010
To
ICICI Lombard i-Health Care
TGV Mansion, 5th & 6th floor,
Khairathabad,
Hyderabad 500004.
Sub. : Family Protect Premier Policy No.4034i/FPP/B[protected]/01/000.
Dear Sir,
I was hospitalized on 17th May for abscess in the scrotum and was hospitalized in Hinduja Hospital, Mumbai.
I am enclosing all the documents required by you to clear my mediclaim.
1. Letter from Dr. Avinash Katara, Hinduja Hospital addressed to you. (ICICI Lombard).
2. Inpatient Final Bill (Detail) – 3 pages
3. Service Voucher No.ORE182311/10 dt. 17/5/2010 for Rs.900/-.
4. Chemist Bill no.11391 amounting to Rs.1396.20
5. Citibank ATM receipt.
6. Outpatient Receipt/Debit Note 33510 dated 19/5/10 for Rs.360/-
7. Service Voucher No.ORE187893/10 dt. 21/5/2010 for Rs.550/-.
8. In Patient Settlement Voucher for Rs.31,788.00
9. Inpatient Final Bill (Summary) – 2 pages.
10. Information regarding Pending Reports – 2 pages.
11. Histopathology Report.
12. Micro TB Culture Report.
13. Microbiology Report.
14. Culture Anaerobic Report.
15. Hematology Report.
16. Biochemistry Report.
17. ECG Graph.
18. Discharge Summary / Card.
19. Xerox copy of ICICI Lombard Health Care Card.
20. Xerox copy of ICICI Bank Statement dated 18/3/2010.
The above mentioned policy was renewed on 15/2/2010 and the verification was done on the same date by Mr. Dinesh Gharate and Mr. Akash Kulkarni. When I received my bank statement, which I have enclosed for your reference, I called your office to enquire about the EMI deductions, etc. They informed me that the process was on and I need not worry.
When I was hospitalized on 17/3/2010 at Hinduja Hospital, my wife called your office to enquire about the claim procedure, she was shocked to hear that there was no policy taken on our names. After a lot of phone calls and correspondence through internet, they told us that there was a mistake on their part and would rectify the same. They then send us the policy no. and details through courier and internet, but the date of commencement of policy was 18/5/2010.
I have yet to receive my other renewal policy taken for my children Dhiren and Dipti.
Please process my claim and oblige.
Thanking you.
Yours truly,

(Bipin S. Talpade)

Encl. : As above. (24 pages)

My claim No.[protected] was rejected by ICICI-Lombard since they consider this policy as 3rd yr policy.”

I would like to state that this is not a 3rd year policy as considered by ICICI-Lombard and it is now 5th year policy as Ias illustrated below :

Policy Taken on end of Year Year
23-Jun-07 22-Jun-08 1st Year
23-Jun-08 22-Jun-09 2nd Year
23-Jun-09 22-Jun-10 3rd Year
23-Jun-10 22-Jun-11 4th Year
22-Jun-11 22-Jun-12 5th year

I have been renewing my policy without any break sinde June 2007. This itself is aa testimony to the fact that it is now 5th year policy and not 3rd year as considered by them.

Please note that the above cashless mediclaim policy is renewal of my policy 4034/FPA/02321927/00/000 taken on 23rd June 2007 and I have been renewing this policy without any break. In this connection, I also would like to bring the following exclusions covered under the ICICI-Lombard Family Protect Premier Policy Wording under clause 3.1 and the relevant extract is reproduced below:

"This exclusion shall cease to apply, subject to the exclusions mentioned Sub-clause 3.4, if the Insured has taken a Healthcare Policy from the Company and has been covered under the Policy, without a break, for a period of 4 consecutive years immediately preceding the Period of Insurance"

Considering the above facts, the reasons given by ICICI Lombard in rejecting my claim is baseless and they have become more skeptical in settling my claim.

Hi Sir/Madam,

This is to inform you that I had taken a policy @ ICICI Lombard Health Insurance (Nirmaya Policy) last year in respect of my daughter Ms. Surbhi Sharma bearing Policy No. 4015/0002352/03/000.

I had submitted all my original bills, proofs and presciptions at your branch situated at ICICI Lombard, Nirain Manzil, 3rd Floor, Barakhamba Road, New Delhi - 110001 on 30.12.11 with Mr. Deepak Khanna

But till date I was told that we already forward a request for funding of this policy to the concern but still the same was not received only after getting funds from the concern, we are going to process your claim.

We I tried you toll free number [protected] several times but always found busy.

Please help me in this regard and please update me the currect status of my claim.

Regards
Sameer Sharma
[protected]