ICICI Lombard Complaints & Reviews

Subject: Denial of claim of Mrs.Bharti Sharma vide letter Dated 17/8/2010 by ICICI Lombard.

Dear Sir,

This is with ref. to the above we want to mention the following facts.

1.I am having my self, wife, and sons Mediclaim policy of 05 lakh coverage for the family and further extended no claim limits to Rs 5.50 lakh since last 5 years. on insistance of company officers i changed this from National Insurance Company to ICICI LOMBARD with an assurance that they will provide faster cashless facilities.

2.As we all are physically fit including wife. we never needed any hospitalisation & claim from any of the insurance company.

3.It is the first time that a doctor has advised for the hospitalisation for her knees and both the wrist for joints Sinovial Fluid Aspiration & the papers faxed to you intially was having her history from birth to till date this has been confirmed by the letter dated 19/8/2010 that is was not a pre existing disease.(Scan copy attached)

We sumitted the claim of Mrs.Bharti Sharma -UHID-IHPN-0507 having policy no-40341/CHI/03907604/01/000 after diagnosis of the disease named Joint Sinovial Fluid Aspiration for cashless benefits & to our utter surprise ICICI Lombard has sent us a denial stating it is an Pre Existing disease even after 4-5 Years of coverage with them.

It looks there is some malign interest to reject genuine case submitted for a claim mentioning unacceptable reasons to reject/deny.

You are therefore requested to accept the claim & oblige at the earliest.
Thanking you


L.K.Sharma
CEO
[protected]
Palam-Gurgaon Road, Gurgaon-122001(Hr.) INDIA
Tel.[protected], Mobile: [protected],
FAX :[protected]
----- Original Message -----

Dear Sir,
Its about the mediclaim policy the no is 4111/pla56528471/00/000.I have been subbmitted all the documents to the concerned department but they have not comunicated with me ,and whenever i call the belgaum office they only give me dates ,saying that in 15 days ul get the check they are just harashing me without giving me right information,,and if i call customer service they say in 7 working days i l b getting the money . 6 months have passed the concerned department has not called me even a single time so please take strict action on the procedinngs


Thank you
Suraj Desai

To,
The President,
ICICI LOMBARD GENERAL INSURANCE

Ref: Claim no: MOTO1525142

Dear Sir,
As a true well-wisher for of your company, I sincerely request you kindly to look into the functioning of your Guwahati office in Assam.

My vehicle (Ford Endeavour bearing registration No. AS 01 AM 3121) met with a major accident. It took them four months to reciprocate to my plea to settle my claim. I was asked to repair the vehicle and submit the bills.

Why there was no response, when both the authorised dealers had submitted the estimate to repair the said vehicle.

Himatsingka Ford had clearly certified that the vehicle is totally uneconomical for repair and TI Ford had given a repair estimate of Rs.15,77,993/-. This estimate was given four months ago. The vehicle is still lying unattended, uncovered outside under the open sky. (Both are the authorised dealer of this Vehicle in Assam).

For four months I had hired vehicles for my personal use, please do let me know who is going to foot all these bills?

I would also like to mention here that some Mr. Sharma from the moto claim deptt had the cheek to ask me to seek legal help to recover my claim.

Are we treated in this fashion because we belong to the Northeast part of India, here we people are know for our simplicity and honesty, hence we are gullible and can be easily taken for a royal ride.

If this is the intention of your esteem company than please relook into your policy matter and set things straight.

Your kind indulgence in this matter will be highly appreciated.

Warm regards,
Mustaque Ahmed Khan
[protected]

Policy Number: 3001/W-1442695/00/000
Policy Start Date: 25/12/2009
Policy End Date: 24/12/2010


Finally I am paid for my wrong choice in opting for an insurance for my car. Although my colleque already had an bad experience, but I thought to give it a chance as I think big brands do stand by there reputation.

All through 9 years since I purchased the car,I was taking the insurance from New India Insurance Company, and I never ever got any problems of any sort with the company. But due to my change in posting from Chandigarh to Gurgaon, I didnt find any insurance agent near my place and I opted ICICI Lombard.

Problems started from the first day (25/12/2009), I taken up the policy. I requested for hard copy of policy, but till date I didn't get the same. Anyways I never paid much attention to this.

At the time of raising the policy, I asked the telemarketers do you need any documentation to support this new policy they said NO. I again asked them, how could you give me No Claim Bonus without any document, telemarketer said, "Sir, We trust you". I didn't know, what he means to say by this. Now after 7 months, when my car met with an minor accident I got to know, what a insurance policy with ICICI Lonmbard means. It means 'ADDING MORE WOES TO ALREADY HURT PPL'. Really ICICI provides UNMATECHED INSURANCE. Now when I raised a claim for repair of my accidental car, I am asked for No Claim Bonus from previous Insurer, previous Insurance Policy.

After 7 months from do I get these documents . I asked the surveyor, he said he cant help as he has to follow process. He gave me number of local manager who handles claim Mr Harinder([protected]). I am calling him since morning, but they dont bother to take up the call. Why they bother to pick the call.
Then I tried calling customer care. He said you need submit the docs. He cant assist us other than he provided number of Mr Rajiv Dhawan ([protected]) the area manager for Gurgaon. But the result remained the same. I called him up number of times, but who cares to pick the phone,when ICICI Lombards solo objective is to make fool of the people and I think they trainee there manageres accordingly.

I know putting this mail, wont serve any purpose, other than I got a call and they say, we cant do any thing, we need these documents as this process. May I know Where is process while raising the policy ? Process is for fooling the people and to make money only.


Amit Goyal
[protected]

I have been calling toll free no.[protected] since more than 15 days and spoke to different persons every time.I have been giving the details as requested each and every time and I am assured to get a call back which never happens. Last I happened to speak to one of the officers named Karan who is not able to give me the feedback despite assurances to call back. It is very surprising and rather strange that ICICI is not competant to accept my request for renewal of health insurance police which is their business.
For your reference I am referring to Policy no.4050/W-1058673/00/001-Gold. W 500 plus plan
Can you help me to renew this policy for further period of 1 year.
Hope to hear from you.

This is to inform you about the awful experience that I had to face with ICICI Lombard Insurance Co.

As stated in my email below, the total estimation of the surgery for my father Mr. Bhimrao Sidnaik in ADITYA BIRLA MEMORIAL HOSPITAL, chinch wad was Rs. 1, 16,000 and a pre authorization amount was approved for Rs. 51,000. I took an approval for the balance amount and was under the impression that everything will be taken care of. Here is the situation that I had to face at the time of approval process and claim settlement.


I provided the copy of the email below to the hospital staff in order to take further approval of the balance amount. The TPE desk staff at the hospital tried to fax the details to ICICI at 3.15 pm (24th July 2010) but the fax machine at ICICI had problems and the fax didn’t get through. The system made 30 unsuccessful attempts to fax details. Finally, the details were sent via email at 4.45 pm requesting the claim approval. I called up the toll free number and got the interaction ID and was told that we would receive the response within 2 hrs of time. I kept following up on the toll free numbers as I was aware this would not be done on time based on my prior experience. I was asked to spare another 2hrs of time every time I called up; I was not allowed to talk to any person at a higher level to escalate the issue. My father was supposed to be discharged from hospital on the same day and I informed the same at the toll free call centre. No communication was received from ICICI regarding the claim amount. The discharge desk at the hospital closes at 8.00 pm and the next day was Sunday when no discharges are done for insurance cases. I called up again (4th time) at 7.45 pm and asked if the approval was done and I was again asked to wait for another half an hour while the discharge desk closed. I had to make a payment of the difference amount of the bill (Rs. 17,445.00) out of my pocket despite o[censored]s having the approval.

I would also want to mention that this is not the first instance wherein I had to go through such pain but it also happened a couple of times before recently, first when I was admitted in the same hospital when the approval process took 4-5 hours of time as against their TAT of 2 hrs and the second instance was when the pre authorization claim was submitted for my father when no processing was done at all for 4 days and finally was done when I spoke to some manager at ICICI Lombard call centre again taking 4-5 hours of time.

This is really frustrating when we are charged premium and have to go through such pain while being in the hospital. I don’t at all regret to say that it has been really a very bad and frustrating experience with the insurance company.

Gautam

Dear Sir/Madam

May be its not the first case regarding Health plan,

I requested a claim for my spouse after hospitalization and after one i got to know that claim has been rejected as the diaginis is not covered for first 2 years.

When i gone through the documents with me of policy & icicilombard website i could not find that particular decease in exclusion list. Also i talk to the doctors also regarding the decease they said it was a simple surgery and its covered almost by every insurance company .

I wrote them all the details , but till date , No response from them.

Please suggest what to do now.

I had an accident last month and my car (Ikon) was badly damaged from the front. I gave to repair to Harpreet ford and requested for claim to ICICI Lombard. Appointed Surveyor was really a narrow minded & egoistic who never listens to any request, I try to call him for any issue he never picks up the call nor give a call back and when I complained this to him he gave a rude answer “ I am not here to give all to all”. Anyways he asked mechanics to do the work as per his convenience. In all this process he hasn’t involved me in any matter, at last point there was oil leakage from steering rack in which engine was hitted at the time of accident and scratches are clearly visible, after many requests he ignored that this is not covered and not because of the accident, whereas company technicians clearly mentioned that its is because of accident and should be covered in insurance.

I raised this matter to higher authorities and expected some kind reply on this but I think they all are in the same boat and cant open there eyes, one of the senior personally visited to check the car but he also stated the same thing. I have raised this matter to further higher authorities but I think they will get up in 7 working days or so.. Till the time a costumer should wait as per there policies..

I m discontinuing the ICICI car policy after all this 1 ½ month story and also recommend all not to go with ICICI…

My Car insurance got expired on 5th May, 2010. The renewal link got never updated to allow me to buy and renew my insurance. Its been 2 and a half months since i have been playing ping pong with ICICI lomard customer care. I have more than 100 email conversations.
I have a hyundai santro that i kept for my parents usage. I am in Oman. I still try to call their customer care that takes for ever to reach to any agent.
I have spent more than 10 thousand rupees just to be in queue to speak to their customer care. And have more than 100 email conversations. I emailed to their quality assurance, however i got nothing from there.

I would request to the decision makers of ICICI lombard to shut down their shop and dont cheat people like this. Or have some quality in customer care.

Hi,

This is regarding ICICI Lomabard domestic travel insurance.
My travel date was on 17th May 2010 by kingfisher airlines(8:30AM) and bought ICICI lomabard domestic travel inusrance(policy no:[protected].
Due to some operational reasons of kingfisher, flight was cancelled on 17th May 2010 . and rescheduled to 9:00PM in the evening which was almost one day of LOSS of oneday salary and accomodation chanrges for whole day. Approx to 5000/- Rs.

As per travel insurance clause I have submitted(couriered) all the documents for theie malad office.
- Claim form
- mail printout from kingfisher
- Insurance bond
- expenses incurred receits

I sent lot many mails and calls to customer support and there is no use.

I just want to let the people know please don't go with any of the policies of ICICI Lombard of they which no use.

Thanks

i have purchased online crittical care policy 4065/CCN/W-1872210/00/000 on ICICILOMBARD website on 1st July 2010, and paid the amount online also, but still my policy is not issued and icici lombard is cheating the people on name online.

Nothing is like online, after 15 days still waiting for policy. i talked to customer care many times

Regards
Mitesh
[protected]

SIR,

I HAD REGISTERED A COMPLAINT OF MY ACTIVA(REG NO. UK07X 8091) . I HANDED OVER ALL THE REQUIRED DOCUMENTS TO THE SURVEYOR BY FEBRUARY I HAD BEEN TOLD THAT THE CLAIM WILL BE PASSED WITHIN A MONTH PERIOD. BUT EVEN AFTER SUCCESSIVE REMINDERS, I AM NOT GETTING ANY SATISFACTORY ANSWER. THE CUSTOMER CARE SAYS MY CLAIM WILL BE GIVEN SOON MY SERVICE REQUEST NO IS[protected], MY SURVEYER SAYS ALL WORK WILL BE DONE IN MUMBAI BRANCH, DELAY IN CHEQUE RELEASING IS OCCURING. I HAVE NOT BEEN UPDATED IN ANY MEANS BY THE RESPECTIVE COMPANY SO THAT I CAN TAKE ANY CORRECTIVE ACTION.

KINDLY TAKE THE MATTER INTO CONSIDERATION AND GUIDE ME TO OVERCOME THE ISSUE.

REGARDS,

SHIVA PANT
OFFICERS COLONY
85-RACE COURSE
BLOCK C
D.DUN
U.K
MOB: [protected]
EMAIL: [protected]@gmail.com
POLICY NO. 3005/[protected]/[protected]
CLAIM NO: MOT 01356229

i have claimed for motor insurance for my car(GJ-5-CJ-916) on date:25th may 2010 ,claim no:MOC 01567191.from overdrive auto care,piplod,surat(mo.no:[protected]) ,car was survayed by icici survayer mr.sandip(mo.no:[protected]). till today i have not received my claim amount.duirng whole month of june2010 many time i had visited to surat officeand inquired cheque issuing person JENISHA(mo.no:[protected]) she every time answered that mumbai office is not sending your cheque.i had inquired to mumbai office mr.vivek(tel.no:[protected] as per him surat office is not asking for your cheque then what can i do.Now i am not able to understand whom to ask as everybody is escaping from their responsibility.please help me.

Kind Attention

I have booked a Car Insurance Policy with ICICI Lombard online on 18th May 2010, the details are provided below.My main concern for buying the policy was IDV value , and I spoke with customer agents (Chandrashekhar) multiple times and Checked that IDV is 676000 before booking. After booking I downloaded a copy of the policy online and also received a copy by email with correct IDV value . ICICI lombard has internal mechanism of issuing a web based policy with number 3001/W-1738912/00/000 and that is different from Policy Number:3001/59432853/00/000 sent by hard copy.


Policy Number:3001/W-1738912/00/000
IDV:676,000
Model:Hyundai Verna 1.5 GLS
Basic Own Damage : 11,100
Anti Theft device discount :278
Bonus 25% 2706
Total Own damage Premium : 8116
Basic 3rd Party Liabilty : 800
Pid driver : 25
PA :100
Total 925
TLP: 925
Total Package:9041
Service Tax:931
Total Premium 9972
Cover Note Number W-1738912


Later I received a hard copy of policy which had a different IDV Value !!!

Policy Number:3001/59432853/00/000
IDV : 591500
Model:Hyundai Verna 1.5 GLS
Basic Own Damage : 10726
Anti Theft device discount :243
Bonus 25% 2367
Total Discount : 2610
Total Own damage Premium : 8116
Basic 3rd Party Liabilty : 800
Pid driver : 25
PA :100
Total 925
TLP: 925
Total Package:9041
Service Tax:931
Total Premium 9972
Cover Note Number 59432853

Both policies are available with me in hard copy.

I tried to resolve the complaint through their call center multiple times between 18th May and 28th May, finally they registered the complaint through their call center on 28th May 2010 and got the following complaint number[protected]. After multiple follow-ups they have said that they closed the case as of June 23 as they found both policies have same number. When I called the customer care center their agents are able to see both policies with different IDV values in web based booking and hard copy policy number in their records but are not resolving the case.

I am determined to take the company to consumer court for this blatant fraud with customers.

ICICI Lombard is selling insurance policy thorough telemarketing. Biggest catch is that they sell through credit card only. What marketing executive says that they will just block the amount on the credit card and they policy will be said to be purchased only when we make the first instalment. They give a confirmation call to debit the credit card. What they do is they keep the recording of confirmation and not the marketing person. If we don't purchase the policy then they just return you one year premium as they sell two years policy to you. Now we are stuck with the credit card as they will come for recovery and these ICICI Lombard is out by taking the money. I am trying to file a case against them and will what happens and will update. They do this fraud specially with ICICI credit card holders.

Dear Sir,
I had a policy of ICICI Lombard with OPD cover Health Insurance.I send my claim to my agent Akash who got it collected in Feb'10 from my residence.(all OPd bills). vide policy no 4063i/HAP/04540245/00/000 but have not received cheque for the same amount, hence refused to further extend the policy.It is surprising that such big companies do not settle the promised claims despite sending all documents in time and harrassing the said person by the Agent-Akash.
Kindly re-imburse my claim of an amount of Rs 8500/- at the earliest or otherwise I take up with higher agencies for addressal of my claim.
Regards
Seema Chandra

Bad insurance policy


hi
i have 1 o[censored]'s i health insurance"4034i/ f p p/03025333/01/000"
i wants to slander this policy today on words.

Best Regards,
Mahip Mathur
Skoda-Auto
[protected]
[protected]


----- Forwarded Message ----
From: Mahip Mathur <[protected]@yahoo.com>
To: [protected]@iciciprulife.com
Sent: Fri, 8 January, 2010 8:06:30 AM
Subject: Re: Response for Call ID # 20810617 from ICICI Prudential Life Insurance Co. ltd.



Greeting of the day
i don't believe on icici

Best Regards,
Mahip Mathur
Asst.Manager Sales
CHANDRA TOYOTA
[protected]@gamil.com
[protected]@yahoo.com
http://www.toyotabharat.com/
http://www.chandratoyota.com/
[protected]
[protected]


--- On Fri, 8/1/10, [protected]@iciciprulife.com <[protected]@iciciprulife.com> wrote:

From: [protected]@iciciprulife.com <[protected]@iciciprulife.com>
Subject: Response for Call ID # 20810617 from ICICI Prudential Life Insurance Co. ltd.
To: [protected]@yahoo.com
Date: Friday, 8 January, 2010, 6:00 AM

Dear Sir,
We refer to your email dated 04th January, 2010.
With respect to your concern pertaining to your Health Insurance with Lombard, we kindly request you to mark a mail to the email ID "[protected]@icicilombard.com" for further assistance.
Yours Sincerely,
ICICI Prudential Life Insurance Co. Ltd.
[protected][protected][protected][protected][protected][protected]
© 2009, ICICI Prudential Life Insurance Co. Ltd.
ICICI Prulife Tower, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025.
* Registration Number - 105
* Insurance is a subject matter of solicitation

[protected]Original Message[protected]

Wat its heal. if this time u cant do any think. u think abut on this meter.
Best Regards, Mahip Mathur
Asst.Manager Sales
CHANDRA TOYOTA
[protected]@gamil.com
[protected]@yahoo.com
http://www.toyotabharat.com/
http://www.chandratoyota.com/
[protected][protected]

Hello

I have taken car insurance from ICICI Lombard online. As per the document which I have received from ICICI Lombard, its valid from from 5-Jul-2009 till 5-Jun-2010.
But in their system they have wrong data. They say its valid from 5-jun-2009 till 5-May-2010.
There was minor incident which took place on 8-May-2010 for which I had to change the front bumper which costed approx 20000/- .
Now ICICI Lombard is not accepting their mistake and rejecting the claim saying its out of the duration. I have sent the scanned copy of the document and also tried to talk to so many people but they are not listening to it.
So this is the only way in my hand.
Kindly co-operate.
If required I can give the other details too.

Thank you so much in advance.

~Pavan

Sir,

I'm Dhawal shah i booked the icici lombard car insurance policy through one of your customer care executive Mr Ravi shankar on feburary 2010 for my Maruti Swift Zxi model,he had done fraud commitment with me like while booking my car insurance policy i give all the information truly and correctly to the agent, in fact i told him that earlier my policy is registered with the bajaj allianz company and i took my car claim just two months before instead of this he give me wrong NCB value just for the sake of competition and i clear that " ARE YOU SURE THAT YOU ARE GIVE ME CORRECT NCB VALUE ". he said sir dont worry i'm giving you correct NCB VALUE and after two months i got the letter from icici lombard that mentioning WRONG DECLARATION OF NCB VALUE.and mentioning that you have to pay extra 3000 rs for your car insurance after that i call to the customer care of icici lombard and i had word with MS MUNEER,Mr VARUN and MS PRAVEEN they are helpless in this matter infact the team also heard all my recorded call which had done while booking my car insurance through mr ravi shankar, they agree in this matter that the mistake has been committed by customer care executive.and i made more then 50 calls And many e-mails to the icici lomabard comany and still i didn't get any satisfactory result just one reply i got from every one that please pay the balance amount and i wont expect this kind of reply from icici lombard department and totally i'm dissatisfied with icici lomabard this company had done "FRAUD WITH ME "
sir please solve this issue and expect a satisfactory reply.

POLICY NO- 3001/W-1558804/00/000

Regards
DHAWAL SHAH

Sir,

I am availing services from ICICI LOMBARD of personal insurance.From the first day when i taken the service of this company then they are calling me again and again for availing more services.when i said that please do not call me or stop calling me then he says that register your call in NDNC and ICICI 'Do not call service'.I do this but still they are calling me again and again.and when i says that i will go in consumer forum then they used bulger language ,i have recording of this conversation .So please help me because i am frustrated and can't do my work smoothly.I send many mail his customer care which give me complain no 'ICICILom=[protected]' but they are not doing anything.I am receiving calls from last 5 months So please help me.i am waiting for your positive response.

Thanks

Mohit Agnihotri
[protected]
agnihotri.[protected]@gmail.com