ICICI Lombard Complaints & Reviews

During making my transaction online for my premium payment of my ICICI Lombard Health insurance directly from the merchant's website, there was an option to convert into free EMI without any processing fee and service charges and no interest to be levied for ICICI bank credit card holders provided if converted in 3 and 6 month EMIs but interest will be levied if converted for 9 and 12 months EMI!!

I selected the option of free 6 month EMI option and completed the payment. Later when my credit card bill was generated, I found out that interest and service taxes were deducted along with my first EMI amount!! When I raised the complain with ICICI Lombard, I got the reply as that the conversion into EMI is not possible and I am been asked to contact my bank for conversion and ICICI Lombard cannot convert it.

I have been using this facility to renew the same during my premium payment in 2010 and 2011 and converted into free 6 month EMI. But now in spite of mentioning the same in their website during my payment option, ICICI Lombard is denying the fact that free EMI is not possible!!

Please look into this.

My Name is Rewins Raj & I am holder of Heath Insurance Policy no. 4034i/HIR/05253672/00/000 with ICICI Lombard. I am holding this policy for over 5 years & the policy is on auto renewal on my ICICI credit card. I am also a Customer with ICICI Bank for over 10 years.

For the last renewal, the team from Lombard had called me & taken a telephonic confirmation on renewal. Since I did not get my renewed health cards after 60 days, I had been in mail conversation with ICICI customer support team & Swapnali Parsekar is in touch with me on mail since 26th August, 2012.

To my utter shock, I find that there has been some lapse by the renewal team & my policy has not been renewed. The policy covers my entire family including my wife & 2 children.

ICICI Lombard had also upsold a top-up health policy 4113i/XOL/05779309/00/000 on 24-Jan-2011. I am informed that this is active while my base policy has been lapsed. Also the top-up policy has no effect if the base ploicy is not active!!!

I am running pillar to post to get my original policy renewed. Since the time I had raised this with their Customer Care team, I am getting calls from them to buy a new policy. I firmly suspect that the ploy is to make me buy a new policy at a higher premium, since my 5-year old policy now has much lower premium since there are no claims.

This is seriously an unfair practice by ICICI Lombard to sell new policies to their existing customers, by not renewing the exisiting policies.

I seek support in getting my concern addressed & a strong warning given to ICICI Lombard in trying to take their Customers for a ride.

Regards

Rewins Raj
[protected]

I HAVE TAKEN A ICICI LOMBARD HEALTH POLICY ON CREDIT CARD EMI FACILITY THE EMI IS RS 302/- I HAVE REQUESTED ICICI BANK TO SEND ME THE HARD COPY OF MY CREDIT CARD STATEMENT EVERY MONTH INSPITE OF EMAIL AS I DONT CHECK THE EMAIL'S BUT STILL THEY ARE SENDING ME THE EMAILS OF CC STATEMENT DUE TO WHICH IAM FACING A LATE PAYMENT CHARGES WHICH ARE RS 500/ ON MY EMI OF RS 302/ . SO SHOULD I QUIT THE POLICY FOR THE SERVICE FACTOR OR SHOULD I QUIT ICICI BANK FOR MY FURTHER TRANSACTIONS MY POLICY NO IS 4034i/FPT/05426226/00/000 I DONT REMEMBER MY CREDIT CARD NO...
PLEASE ADVICE
MAHESH CHAVAN
[protected]
[protected]@gmail.com

I had renewed my car insurance with ICICI Lombard on 3//3/2012 and is valid till 3/3/2013 midnight. When I signed the form the company had not mentioned about the salvage charges and no where even now its mentioned. The surveyor who surveyed my car also had no explanation to what this charge was and he admitted that there is no policy mentioned in the insurance form, but still they are charging the salvage charges. This is an open fraud by the company or by the employees. I hope everyones aware of this and a stringent action is taken against ICICI Lombard.

People please never ever take ICICI Lombard Insurence.

Dear Sir,

i have an motor policy with ICICI Lombard Insurance . (https://www.icicilombard.com/) my policy was about to renew, and in website they have mentioned that we can renew policy by availing Interest free EMI, below is the screen shot of the information hosted on website.

link is https://www.icicilombard.com/Content/ilom-en/Images/popup/emi_inside.htm ( dated 1st October 2012).

Avail of Interest Free EMIs when you buy insurance online through your ICICI Bank, Citibank & HDFC Bank Credit Cards

ICICI Lombard brings you the facility of paying your premium in Equal Monthly Installments (EMIs) of 3 or 6 months at interest free rates! All you have to do is purchase your insurance policy online through your ICICI Bank, Citibank & HDFC Bank Credit Card.

How does it work?
Choose the product you plan to buy and log in to Buy Online
Fill in the transaction details
Select to pay in EMIs through your ICICI Bank, Citibank & HDFC Bank Credit Card. Choose from the EMI Period options according to your convenience (3 or 6 months for ICICI Bank, Citibank & HDFC Bank Credit Cards)
Access your policy immediately online*
The EMIs will be automatically charged to your monthly credit card statement.
Note: Please note that the EMI facility is only applicable on ICICI Bank, Citibank & HDFC Bank Credit Card, subject to minimum annual premium of Rs. 10,000

* Subject to underwriting in the case of Health Insurance

But while paying, there's no option for paying Interest free EMI using HDFC , Citi bank .. they have mentioned false in the website and making all users to belive in that and opt for policy, with that option only i bought motor insurance from ICICI LOMBARD, Can you please assit in this how to proceed.

Regards,
Arun

I am an IRDA licence holder with ICICI Lombard and my licence is expired in the month of OCT 2011. I had applied for NOC and have escalated the same to CEO of the company but i havent received any response.

The 1st mail was put on 22nd June 2012. They are not responding please help in getting the same.

My Licence No. is[protected]

I got the ICICI Lombard Health policy (4034i/FPS/04836776/00/000) for my parents in 2009 .I am paying the regular premium from last three years .This Year I have't received any Reminder from the ICICI Lomabard regarding the renewal premium ,When I called to customer care for pay the Policy Renewal as I was unable to trace the policy papers and thinking that it is due in the month of Aug/Sep . I was shocked to hear that my policy is already expired on 15 Aug 2012 and I can't cont my policy Even with some sort of plenty on it.

I have't rec any kind of Reminder Letter or mail from the company side for renewals .Earlier company use to send me mails regarding the renewals.this year there is no communication from company side .This is clearly showing the company is not interested in give the health benefit to clients as all the benefits will start after 4 year .We already completed the 3 year so they are intentionally not giving any reminder to clients.they are saying to start with the new policy where all the benefits will start again after first 4 year .

I think they are playing with the people's hard earned money .We should bring this to public notice and to honorable court's.

I have buy new online medical policy on 28th July 2012 from ICICI Lombard buy paying Rs 12689.
my policy number is W-9326337.i have completed medical test on 30th july 2012 and authorize lab has take 1500 RS for it for two person which is 300 Rs more than normal fee.after two few days i got one email that your policy is cancelled but they did not given why the policy is cancelled ,they did not send any medical report copy or cancellation report and i did not get refund for my policy fee of 12689 rupees.
I have three times emailed to [protected]@icicilombard.com and [protected]@icicilombard.com but i did not get email reply even after one week.
i called to customer care on 16th Aug 2012 about my policy refund and medical reports,cancellation report and they told me i will get it by 20th aug 2012 but i did not received it and i have again call to customer care on 21th and they told me i am giving new complain number ,you can get update by 1th September 2012 .they are not giving any proper reply and not giving any email reply so i need to write at here.
my complain numbers are [protected],[protected],[protected].

I am waiting for my policy refund(12689 + 1500) and medical report ,cancellation report.

Thanks,
Anil Shah.

Sir,
This is to submit humbly for your kind consideration the following facts-
I took a policy(HOME SAFE PLUS) from ICICI LOMBARD vide policy no-4065/ICICI-HSP/1851326/00/000 & 4013/ICICI-HSP/236573/00/000
on 15/12/2008 hor my home loan no-LBDEL[protected] from their adviser Mr Manish Gupta at Chandigarh.
However later I came to know that I had been mis-sold the policy by him leading to a prolonged payment
in the form of EMIs despite the the policy being valid for only 5 years.
On learning this I got in touch with their officials on multiple occasions and was assured each time by Miss Simran from ICICI LOMBARD that the
problem will be soon sorted out.
When this did not happen then finally on 15 feb 2010 I decided to discontinue the policy and submitted my request accordingly.
I was assured that policy shall become ineffective with immediate effect .However to my utter shock they continued to deduct EMIs
and are still continuing despite repeated assurances from them(Sir aapko worry ki koi jarurat nahi hai.Ye sab aapko refund ho jayega.Kabhi-kabhi thoda time
lag jaata hai.)
Now they have even stopped taking my calls.
My earnest request is that all my EMIs(Rs 3836/-per month since MAR2010 till date alongwith interest may please be refunded immediately without any further delay.

Kind Regards.
Dr(Col) Deepak Sharma(retd)
C-3/3058,VASANTKUNJ
NEW DELHI-110070
MOB-[protected]

Shame on icici lombard

For more than 30days icici staff priya mob no.[protected] is not picking and before that she said you can call me for claim and other purpose regarding insurance.....
Before paying icici is speaking well and after paid none will help.....Icici lombard is 100 % cheat.......


I am d.Deshakumar from chennai my mobile no. Is[protected] i am a icici lombard policy holder from june 2009 to june 2012.

Recently a girl called from icici lombard t.Nagar branch and compel,force and gave wrong info and renewed the policy last month of june 2012....I also agreed and paid for the renewal around rs.10,311 aprox she also told me that proof of the policy will reach me after 15 days of my payment but now the date is july 16th but till now i did not get any proof of the policy but my money as been detected one month ago...

If i call that gal priya mob. No. [protected] she is not picking and if i call from some other number and if tell my name she is giving the mobile to some guy and telling wrong number..I am totally afraid that she is a cheat and i am worried why icici is selecting such cheap illiterate girls who is not capable to answer the client....Where as she is a real beggar who begged me to pay for the policy in behalf of icici......


I do not know how to get my money or policy back......That girl is illiterate or icici is training that sort of activity....I want that girl to answer me that is in icici's hands.....

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]