ICICI Lombard Complaints & Reviews

Sir/Madam,

I am writing this to complain about my frustrating experience with “ICICI LOMBARD”.
Reference is made to my "ICICI LOMBARD" health insurance policy bearing No. 4034/FPS/02375300/00/000. This policy described above was sold to me (by the virtue of holding ICICI credit card) on 07/07/2007 through a tele sales executive and was briefed about the yearly premium, extent of claims and the only exclusions (dental & cosmetic surgery) for which the expenses would not be reimbursed. Going by the reputation of ICICI, I had decided to purchase myself an insurance cover and the payment for the same was promptly collected by ICICI from my credit card.

At no point of time had ICICI provided me with the terms and conditions/ contract/ exclusions list and neither did I ever happen to sign any document acknowledging the understanding of the terms and conditions.

After more than 20 months of purchasing the insurance cover, unfortunately I was diagonised for kidney stones by “Chinmaya Mission Hospital” Bangalore and was suggested by Dr. Ninan Thomas for a surgery as it was inevitable and most needed. Reacting to the Doctor's advice, I had contacted ICICI on xx/xx/2009 to accord their approval for the surgery on cashless basis. TTK (ICICI) promptly responded to my request based on the reports by Doctor and faxed me a copy saying : "The particular hospital is not a part of the panel and hence I may pay the hospital bills and apply for reimbursement."

Going by the instructions thus received, I applied for the reimbursement after completion of surgery by providing necessary reports and bills. On applying for reimbursement I was shell shocked to hear rejection of my claims from ICICI/TTK based on the reason that my ailment is not covered under insurance as per clause 3.3 which was neither provided to me in any form nor was I ever briefed.

Now, I strongly feel this has been a deliberate attempt to cheat and victimise me by ICICI LOMBARD. ICICI LOMBARD has not disclosed/misrepresented and mislead me with the information and clauses with affirmative implicit & malicious intentions.

I strongly insist ICICI to provide me with a copy of my acknowledgement towards acceptance of the terms and conditions/clauses or an audio file of my verbal acceptance of the same. In the event of ICICI LOMBARD being unable to provide either of the above, I demand for a quick reimbursement of my claims with no further harassments.

I would highly appreciate your intervention in reimbursing my claims. I look forward to your reply and resolution to my problem.

Best Regards
Y.M. Joseph Mathew.

Hi,

I have issued a cheque of Rs 3507/- dt 08-08-08 for the Motor Policy renewal.
They issued a policy dt 13-08-08 to me (Only the cover note). They presented this cheque in the bank after 13 days on 21th Aug 08 and it got bounced.

How can they hold any cheque for so long and due to this they have cancelled my policy. On what basis they kept the cheque and never presented it.

Moreover, For last whole year I was under impression that my policy is valid but it was not the case.
Their was no communication what so ever from ICICI lombard side of any type.

Now when I am trying to renew the policy for this year they are not giving me the NCB of 50% and due to this my premium is now more than double.

Why I am getting penalised for the thing done by ICICI Lombard.

First, they presented the cheque after 13 days, No idea what they were doing.
Second, they never communicated regarding the bounce cheque and cancelled policy.

I am running my vehicle without insurance and having a huge risk to my vehicle, my life and everyone on the road.

Due to this, I am getting overcautious at times and getting menatally disturbed at times.

PLs help in getting my policy renewed and availing my NCB.

Manish Garg
[protected]
manis.[protected]@gmail.com

Dear All,

I want to make complaint against unethicalness of ICICI lombard life insurance.
I purchased the subject policy appx 4 years back against my home loan.The policy is of 5 years.Now after 4 years I paid total home loan and applied for cancellation of policy with the hope that they will refund me the pending amount.
I applied to Pune Kothrud Branch to Mrs.Archana and asked her how much refund I will be getting. She replied that let apply 1st and the call will come from ICICI. If at that time itself I was knowing that there is no refund in the 5th year then why I would have cancelled the policy. Inspite of it is nowhere mentioned on the policy that no refund in the last year cancallation.
I want to place a legal claim on ICICI Lombard and want them to refund me my balance amount whatever it may be even a single rupee OR cancel my cancalltion application and recontinue the policy.

All,

Please do not any time go with ICICI Lombard...they are cheaters

To

The Manager / Customer Services Department / Greivences Redressal Department / or to whoever it may concern

ICICI Lombard Health Insurance,
ICICI Lombard General Insurance Company Limited, Zenith House, Keshavrao Khadye Marg, Race Course, Mahalaxmi, Mumbai- 400 034

Dear Sir/Madam

My previous health policy for my old parents was 4034/FHR/03758941/00/000 and was payin premium for since last three years. And current notice of premium sent company is 4034/ FHR/ 03758941/00/000

If you see both the policy suddenly premium is raised from 7361/- to 48284/-. Now this is an embarrassing situation.

I have a questions for the company:

- This is a fraud with customer, please justify if not,
- When I went to Vadodara Branch, Landmark Building, Customer Manager was laughing against me saying “ IF you do not want to continue, stop and go out I have other customers
- Misbehaviour of Manager with customer with non reply of proper answer. Today also I do n’t have answer.
- Why premium is raised suddenly without notice to us and policy deactivated
-

I want immediate following:
Now Sir/Madam these things I want to immediate effect:

1] Policy to be activated
2] All my NCB to transfer with same policy.
3] An apology letter from your company for the abuse, discomfort, loss of peace of mind and time wastage for entire period caused to me.
5] I will NOT fill up any Health Declaration form since its your companies fault because of which my policy got elapsed.

As you can make out by now in this whole process your company was at fault, if these things are not done with immediate effect I will approch consumer court and that would not be a good idea I guess.I will not even hesitate to go to the media and show your companies true face to the innocent customers even. God forbid if I my parents would have some health issues that time, your company would not have given even a single rupee to my family, even though the policy was Lapsed due to your fault.


Kindly do the needful

Regards

I have submitted a claim 3 months back for risk covering policy of personal loan taken by ICICI bank.
My Claim is not yet processed even after submission of documents on 1st June 2008 and also got verified by ICICI Lombard team on 22nd June 2008. I have contacted to ICICI Lombard helpdesk by phone several times and got the answer that they are forwarding my concern to concerned department and they will contact me in 48 hour time, but I never got any call. They raised 2 service requests 4632194 and 10709973 for my concern.

Now more than 3 months have been since I initiated the claim and still my claim settlement is pending, although they claim that maximum of 45 days take for claim settlement. With this experience I am very much annoyed with ICICI bank. I never thought ICICI bank can be that much inhuman to a cancer patient and make him beg for the claim settlement.

Please help me out how I can find the justice?

Thanks and Regards,
Puspendra Kumar

I was having an Health Policy which expired this month.

I was chased by your people for renewal . Already, i have made up my mind to change the Policy since I had a very bad experience for one of the Hospitalisation claim . But, your sales people gave me an assurance that such incident will not repeat. Hence, I agreed to renewal with the policy amount debited on Equated Monthly Instalments.

When I received my credit Card statement, I got shocked to see that the entire amount was debited in one go !

If such an attitute ICICI is having in not keeping up the word, I am in loss of words to express my agony.

I have already lodged the complaint ( against the person who spoke from your Hydrabad branch) for converting into EMI. The reference Number is[protected] .

I am awaiting the response and will react based on the same.

Through mail, I was informed that the revised policy Number is 4034i/HIR/04785735/00/000 and the documents will be forwarded to me. Till date, I have not received the same.

I was contacted via phone by a sales person to buy ICICI Lombard health insurance.
He called me since Iam holding ICICI Credit card. I have told 2-3 times that Iam not
interested as the very name is ICICI. But he persistently called me and told so many
benefits like Rs. 1000/- for every day hospitalized apart from all hospitalization benefits.
Then I asked him to give me the link to go through the list. He told that the website is
not having all details. Once I get the documents and if something is not there, I can
immediately cancel the policy by calling him back and he will reimburse the full policy
premium. Then there was a call from ICICI Lombard person directly to confirm the
name/address/terms and conditions etc., The sales person asked me to say Yes for
all of them (one that even says that on cancellation we have to pay some penalty).
Somehow I agreed and recieved the policy documents. Then I did not find all these
benefits in that and then called back this sales guy (Name: Shekar from chennai)
and asked him to cancel. He agreed, but after repeated requests he did not try to
cancel. He stopped picking my calls to his mobile number later.

Then I called the landline number (from which he called me[protected].
Some other person picked it called Mohammed Rehan Hussain. He then asked all
details and offered to help me after talking to his manager. Then he told me that his
manager mentioned that one policy cannot be cancelled. If I take a add-on policy on
my mother/father's name, then they can cancel both together and refund the premium
amount. Out of no way I agreed again and went through same procedure. After receiving the
documents for my mother's policy I called this guy to cancel both. Again he did same
stuff. After 2-3 calls, he himself started speaking as a different guy and mentioned
Rehan is in hospital after accident. After repeated calls, one new guy picked it and
he heard all the above and told me that they cannot cancel the policy without the
penalty of some 25-50% of premium amount. He told me that the previous 2 guys
told lies to me on the same and he is a new person joined and don't know Shekar
or Rehan. All this appears like a detailed cheating plan employed by these guys.
Iam paying around 24K for both the policies.

Now I have raised a online compliant directly with ICICI lombard, not sure what
result I will get. Can somebody suggest some ways to handle this?

Regards,
Viswa.

I had purchased the policy (Policy no. is 4034i/CHC/04811319/00/000) using the EMI option but the whole amount was debited at once. The payment was done using my HDFC BANk credit card.
On first instance when i came to know that the payment is debited at one go i cntacted the ICICI Lombard consumer care & they told me that the request of converting the payment in EMI was rejected by the HDFC BANK. On checking with the HDFC Bank i got the reply as -:

"Further on receipt of your e-mail, we made a detailed review and found that to avail merchant EMI towards the transaction incurred on your card account. The transaction needs to be swiped using an HDFC Bank's EDC machine. However, we observe from our records and confirm that the same was not swiped through HDFC Bank's EDC machine. Hence the transaction incurred at M/s. ICICI Lombard is not eligible for EMI option".

So it was clear that the mistake was made by ICICI LOMBARD & when i contacted them back with the HDFC Bank's reply they told me to cancel the existing policy & issue me a fresh policy the payment for which they will charge in EMI's.

As the earlier policy was purchased using my HDFC bank credit card payment due date for which has gone past so the HDFC BANK is going to charge the late payment fee & finance charges on the amount which was wrongly debited by ICICI Lomard which they are refusing to pay.

So, I request you to please look into this complaint.

Regards

Satish Kaushik
Mobile No. [protected]
H.No.274, Gali No.-17,
Swatantra Nagar, Narela,
Delhi-110040

thought ICICI Bank is the trusted bank few hours before. Now only I come to know that it is the fraud company I never saw. If you want to know the reason, please read the story which happened on my life.

I received ICIC Bank Credit Card in 2009. My credit card credit limit is 30, 000. I planned to increase my credit limit. On June 18, 2009 Morning around 2.00 pm I received a call from chennai ICICI Lombard Insurance a man introduced herself as Vijay (I don’t know whether this is a original name or fake name)ICICI Customer service officer, handling the Preparation of Credit Card Statement for my credit card. He asked me that if you are interested for increasing the credit card cash limit. I told “Yes, but I don’t know what it the procedure to increase my credit card limit”. He replied me that one guy will call you and talk you regarding insurance. You have to say yes for everything. I asked why should I have to say “Yes”. He replied no need to worry about anything . I am the person going to prepare Credit Card Statement for you. You will receive the verification call “Accept the things from the guy and don’t interrupt in the middle”. After that you will receive the policy with in 2 days. I have Called to u on this number and I have canceled the policy which i have received, There is no cancellation charge for this policy. This is the easier way to increase your credit limit.

At that time I am not realized that she is cheating me to sell the product. I thought he is from ICICI Bank customer service. I received a call from Verification officer and I told “yes” for all the things. The same day I received a message from ICICI Bank at 4:00 PM, that I made a transaction of RS.5, 576.00/- from my credit card. I shocked. Next day he called me for that happen & he told me “Be Cool, nothing will happen, I am here to help you, without your permission nobody can take any single amount from your credit card. After receiving your policy number, I will cancel your Policy, Don’t worry”. I believed his words because I thought he is from ICICI Bank Customer Service. After that I received the Policy number on my mobile on 18th june 2009. In July 2009 Cradit cared statement added that policy amount. I immediately called to Lombard Customer service and informed the things which happened to me. Customer Service Officer replied that you can cancel the policy but you have to pay Rs.1800/- of your amount as cancellation charge”.

My question is

Why should I have to pay the cancellation charge?
This is the way that ICICI encouraging their staff to cheat their customer?
This is the way to develop your Business?
If the Bank cheating its customer means what is the customer situation?


Please don't belive anyone who calling you. Think twice before taking the decision. Be alert, because nobody will us after this kind of cheating. They are planned very well, how to cheat others.

Respected Sir,
I submitted the complaint of baggage loss on 23re December 08, and then after i have submitted the all the proof which is required for the claim except the boarding pass and original no compensation received letter from the air line(Duplicate i submitted). Till now i haven't received any check and they are telling that once you give me this two letter then after we will settle it, But how can it possible for me to give it because the boarding pass i throw out i thought it is not require in future and the No compensation letter is given by the british air line company by email, They are not ready for the hard copy to send me.
Whenever i called to the customer care they told me that your check is in pending and it will take more 7 days to settle but it not settle yet.
My name is Hitesh Patel and the insurance policy no is : 4049/0000088/02 and complaint number is : 3763455
Please suggest me what to do with this situation?
Regards
Hitesh Patel

Hi All,

Please be aware of ICICI Credit Cards / ICICI Lombard for froud insurance's

First you will be getting the call from ICICI Credit Card department saying that you can increase your credit limit,
and says that you should have minimum shopping points on your credit card.

and they will suggest you to purchase a insurance plan from ICICI Lombard then you will receiving the points
later you can increase you points.

By this within 14 working days your credit card limit will be increased nearly to 1 lak.


So, friends pass this information to all your wellwisers.

My request with all you not to go any policy with ICICI Lombard.


Regards,
Praveen Kumar.

Interaction Id - [protected]

I had asked a policy through ICICI Lombard executive on phone and they had swaped 5796 rs amount which invoice no. is [protected] against that policy on 14th may 2009 but through some misguidence from that executive, that policy is not suited for me and new policy has issued to me which amount is 6301 rs on 22 May 2009 but Still i have not got my refund of 5796 rs amount from ICICI Lombard.

I had called ICICI Lombard so many times but there is no any satisfactory solution by ICICI Lombard team.They had said to me for sending my ICICI bank statement and I have sent my icici bank statement for three times.

Please resolve my query & refund my amount and refund late fee also against that amount ASAP.

Thanks
Rahul Tayal
[protected]

Hello, Sir
To whom ever it may concern that Iam KP Rajeshwari Ex-employee of ICICI Lombard Health Insurance Department Employee id :242952. Till Now i didnt Receive my incentive cheque after my resignation.When iam asking my USM(Namarta Bansal) she is not at all taking care about it. if not when iam asking to my ASM(Giri babu) same he is also saying.so when iam asking to Teamlease they are also saying that to ask to managers.But iam in dialoma.whom to ask please solve my problem
So, Please sent me the details how to solve my problem if not send the details to my mail id kp.[protected]@gmail.com
Thanking You Sir,
Kpraji

I have taken a car insurance policy from ICICI Lombard on 25 Nov 2008. This policy was issued only after the verification of vehicle and all other documents viz. RC, previous insurance etc. by the surveyor of ICICI Lombard. They had issued the policy in my name even after they checked the RC which was on my sister's name. They did not tell me about any discrepancy on that policy. Now my car met with an accident and I have made a claim for the insurance. But, ICICI Lombard rejected my claim because of two different names in vehicle's RC and policy insured name. However, all other vehicle details and address are same. In fact, this was a mistake done by ICICI Lombard only as they should not have issued the policy in another person's name even after verifying the RC and other documents, and also they have taken the premium amount for the same policy. Now, when customer needs the claim, they are rejecting to process the same and hiding their mistake of issuing a wrong policy. Due to this, I wanted to cancel the policy and now they are saying that they will deduct some money from my premium as the said policy is with me since 25 Nov 2008. No matter whether it is Valid or Invalid or useless for the customer.

Kindly help me to resolve this issue.

Have lost my job since March'09 ... According to My icici lombard ( home safe ) insurance policy, in a job loss I am eligible for a 3 month home loan waiver ...I hve submitted all the documents & forms duly filled together with my office letter stating that I had been asked to leave from my earlier office on account of lay off...

The documents though received by ICICI Lombard office on 16th May’09..( 50 days till date )i have had no positive response from them. Have called to confirm the status of my policy at least 6-7 times..but all in vain. Inspite of all this I have been paying my EMIs on regular basis B’coz I do not want to default from my side.
Name: Abhishek Ranjan
My request ID No: [protected]
It seems as if icici Lombard is just stretching the time and is trying to neglect and oversee my claim which I am eligible for, as all their documentary requisites have been fulfilled and there should be no excuse to dishonor or reject my claim.

I need a solution to my problem pls. if at all someone is listening to me..

Dear Sir,

I received a phone call from icici lombard stating that there is a medical policy for self and the premium for two years will be 6616/-

and this will be paid by your icici credit card as the have tie up with Lombard

The monthly EMI was 311 /-

I asked them on phone whether there will be any interest charged for the Amount,

They denied the fact that no interest will be charged.

Now i received an sms from ICICI Bank that the interest will be charged on your total premium of Rs 6616 /-

I called lomabrd to cancel the policy as they had told wrong information

Now they are telling that i[censored] cancel the policy u wull be charged cancellation charges of Rs 952 /- as it is just one day before the policy been made

I have email it to the customer service of Lombard and i have copied it and send it below

But till now i had not got there reply


So iam writing it to u

Please do the needful

Ananthan









-----Original Message-----
From: Ananthan M.Bhavani Shankar [[protected]@gmail.com]
Sent: Thursday, Jul 2 2009 11:41AM
To: [protected]@icicilombard.com [[protected]@icicilombard.com]
Cc: [protected]@icicilombard.com [[protected]@icicilombard.com]
Subject: Re: ICICI Lombard General Insurance Policy Soft Copy *

Dear Sir,

This is in regards to my policy no :4034i/FPP/04800075/00/000,

Ur Customer service people called me and told me about the policy and the details,

But they did not tell me that the interest will be charged for it,

When i asked repeatedly about the interest part on my Premium they denied that there will be no interest charged on my policy,


Now when i want to cancel my policy due to above reasons they are telling that u should pay cancelltion charges,

Is the company fooling the people in this way,

Reply
Ananthan

I didnt wanted Health insurance policy then also they are deducting money from my account as EMI.
They just told about policy on telephone convincing and i agreed to send documents only.
I told i will confirm only after satisfying.
After reading i decided not to take and didnt gave any response.
I tried to contact them but they didnt response.
Lastly i went to their Andheri(E), Mumbai Branch.But they kept misguiding me.
I visited 5-6 times.
There is no any written communication regarding policy.
I had lost nearly 10000 RS and i suferred lot of problems.

Dear sir/mam

I am have purchase Health policy from ICICI Lombard at 08/06/2009 with the policy no
4034i/FFH/W-910579/00/000 & Name Ravi Shishodia, Mrs Nidhi Shishodia Sum Insured 3Lac
& Premium Paid Rs 4570 INR. As per icici Bank Executive said me that if I make payment through My ICICI credit card they will make interest free 12 Equal EMI & every month charge 380.83 Rupees for next 12 Month.

Now I’m Surprise to see my credit card statement whole premium amount I have to pay in my next statement. I made call to icici Lombard customer care dated 23/06/2009 regarding this their executive “Madhu” give complaint no[protected] and emi will be converted within five working days, to check status of my complaint no 23609984 I again call to icici Lombard cust care no[protected] dated 30/06/2009 1:15 PM this time executive Sarita attend call ref no 4708980 when I ask the my complaint status she said that I have to cancel my current policy & apply for new one . when ask for cancelation charge she reply that bank will take cancellation charge also And refuse to take emi conversion request.

When I have not make any mistake there not my fault anywhere so why I pay cancellation charge to bank and why cancel my Health Policy . I am feel cheated by ICICI Lombard
This is very ridicules when they do fraud in selling their policy in this term how can any buddy trust for medical Claim

Kindly do resolve the case either back my premium money or convert interest free Emi as commitment

I have all details & Conversation I status no resolved by bank Till Evening I am going to registered a
Case in Consumer court or any other civil court as per Lawyer

And for NCDRC ( National Consumer Disputes Redressal Commission ) Kindly Registered a case behalf of me
I’ lot more mentally Harassed By ICICI Lombard Because I’m not able to pay whole amount of premium as My wife is pregnant and her delivery expenses month

Kindly reg a case against ICICI Lombard so that any other innocent person like cheated & fraud committed by these type of insurance calls

With Regards
Ravi Shishodia
[protected]
[protected]

I have a loan care insurance policy from ICIC (4043/0000002/ICICI/HL/0019108). I got it along with my home loan (LBBNG[protected]). I got my home loan transferred to another bank, so I called customer care and asked them to cancel the policy. (SR[protected] on April 9. When I asked for the cancellation (i called 2-3 times to confirm before final cancellation) and everyone from customer care assured me that i will be getting refund about 12000 by cheque which will be send to my address. After confirming the fact that i will get refund i asked for cancellation. I got 3-4 calls for the cancellation and the executive forced me not to cancel it. But i refused and again confirmed in each call about the refund and everyone informed me that i will get the money. Finally the policy was canceled. After 2 weeks when i enquired about my refund, i got the shock that there is no refund. Since then i called icici multiple times and explained that why i would cancel my policy if there is no refund. I still have one and half years left. Since last 3 weeks i am calling and no results. SOmeone called Ms Parveen on 5 june assured me that she will check and get back to me but nothing happened.
Cover start date 26 Oct 2005
Cover End Date 25 Oct 2010
I raised the issue on ICICI site with interaction id [protected]. I got one mail stating "With reference to your mail and as per confirmation given by our concern department, we would like to inform you that the policy( 4043/0000002/ICICI-HL/0019108 ) has been cancelled as per refund grid. "
I dont know and really do not want to know anymore what is this refund grid. Please understand the simple english what is my point and resolve it accordingly. What i know is that ICICI promised me a refund during cancellation and now ICICI is only refusing it. Whether you are writing mails or working in call centre you represent ICICI. The worst part is that no one bothered to give me a call. However for credit cards / invetment planning i still get spam calls from ICICI but to resolve an issue, no one calls!
Now the question is not about Rs 1000 refund but about the trust and faith in ICICI. The way i have been treated in last 2 months, makes me really angry and frustrated.
Regards
Anubhav Mishra