ICICI Lombard Complaints & Reviews

fraud, unwillingly offered policy, need refund
Sir, My policy nos. is 4034i/CHC/04561184/00/000, 4034i/CHC/04561183/00/000, 4034i/CHC/04561182/00/000, 4034i/CHC/04561181/00/000, 4034i/CHC/04561180/00/000 i was allotted the policy based on verbal proposal from icici lombard health insurance on 25 march 2009. No one approched for signature & confirmation.
They started the procedure and debited Rs.29000/- from my icici bank credit card. even they had all the details of my credit card, i didn't reveal anything.
Now, i have to pay Rs.1500/- every month till 2011(2yrs monthly installment).
I want whole money returned and discontinue the policy.
It is an act of fraud by "ICICI". First they offer credit card, then act as third party and levy charges on innocent public.
Please do the needful & reply at [protected]@gmail.com
regards,
Anil E Jadhav.

An amount of Rs. 10, 510.35 has been deducted from my saving bank account through credit card ([protected]) link towards the ICICI Lombard policies which I never opted/accepted.

When I came to know about this I conveyed my denial to accept any such policy/policies but with no action taken from ICICI Lombard.

I have also emailed to [protected]@icicilombard.com on 20 Mar 2009 with subject as "Unauthorised access of my saving account by ICICI Lombard".
Further I have emailed to [protected]@icicilombard.com on 25 Mar 2009 with subject “Cancellation of policies never sought and refund of money debited for these”.

When I checked the details of policy/policies (4034/FPP/03967698/00/000 and 4034/FPP/03967699/00/000) thrusted on me illegally, I noticed it is a fraud and all the details narrated in that are false/incorrect.

I also requested them to take immediate corrective action in the matter and refund my hard earned money snatched unauthorisedly from my saving bank account[protected] with ICICI bank.

I also requested them to immediately cancel above policies issued (without my consent/acceptance) and linked to my above mentioned credit card.

I informed my willingness to explain full details of the case in person also if a personal hearing is given to me immediately at one of their authorized center preferably in Gurgaon/Jaipur.

I am yet to hear any positive communication from them.

Regards,
Ajay Seth
co S.L.Seth
A-229, Moti Nagar, Gali #8,
Queens Road, Vaishali Nagar,
Jaipur – 302021
Ph. +91-[protected]

I have filed the claim of the car Hyundai i10 from ICICI Lombard bank on 20/02/2009. I have claimed total loss of my vehicle (UP 32, CR-2601)

Till today date I have not yet received any claim no . Around one month is passing by and till now no processing has been done. The insurance was done on the value of Rs 3.91 lakh.
We bought the car from SAS Hyundai, Sarojini Nagar, Lucknow. They have submitted the estimate of Rs 3.18 Lakh. But we are still waiting for the processing from the Insurance side.
The policy no is 3001/55874852/00/000

I have two health policies with ICICI bank, namely -
1) In a joint name (myself and husband) which has been paid for on December 19, 2008.
Policy no:

2) In the name of my mother (Mrs. Achla Butalia) paid for in December 2008.

However, I have not received the policy documents in original or cashless cards inspite of several calls and reminders to ICICI Lombard.

The manager concerned whom i contacted was Amit Malviya who sent me the copy of the policy on assistance since the same needed to be submitted for filling returns.

However, the cashless cards or the original documents have not yet been received at my end since past 3 months.
The policy no on the scanned copies sent is as follows :-
(A) Insured: Achla Butalia -4034/CHC/04301462/00/000
(B) Insured: Reema Butalia- 4034/CHI/04304580/00/000.

dear sir
This is to inform you that i mr jagdish sunder salian policy holder of icici Lombard general insurance for my vehicle maruti swift desire policy no:3001/54207523/00/000, veh reg no MH-04 DR 5410.ENG NO 25643 CHS NO 24098.
i had purchased this car from sub dsa siddhivinayak motors for which i applied a car loan from ICICI BANK LTD.which is disbursed on date 31/05/2008 .for that purpose i need insurance for disbursement.so i issued a new cover note of Icici Lombard general insurance co ltd.so insurance has been started from 07/06/2008 to 06/06/2009.
The reason is the i got the delivery of the car on 10/09/2008 reason showroom said there is a waiting on swift dezire vdi so I requested to icici lombard Sales Manager - Motor Vertical of thane area of sion office Mr.KARTHIKEYAN SHANMUGHAM /MOTOR/LOMBARD/SION (karthikeyan.[protected]@icicilombard.com) my policy should start from delivery date the officer given me assurance of the same my policy will effect from the date of delivery but later after 2-3 months the officer (Mr.KARTHIKEYAN SHANMUGHAM) her rejected the same.why should i pay for 3 months when car is not with me so.so i need effective date of my policy from the date of delivery else i need my 3 months premium back from icici Lombard general insurance co ltd.so i request people out there look after this issue kindly solve this problem .Thanking you

I Shobhit Saxena, s/o Mr. Alok Saxena who was having a credit card account
with ICICI bank
A/C no. - [protected].
The credit card account was opened by some unknown agent sent by bank
authorities.
In one month of opening the account we received a Health insurance policy
on the name of my father...which was never asked for. We thought it to be
some mishap...but in due time after around 25 days we received the
insurance policies for all my family including myself and my sister. The
policy details are:

1.
insured person: Alok Saxena
policy no: 4034/FPP/03464074/00/000
date: 3-apr-08
2.
insured person: Preeti Saxena
policy no: 4034/FPP/03549766/00/000
date: 2-may-08
3.
insured person: Shubhra Saxena
policy no: 4034/FPP/03549768/00/000
date: 2-may-08
4.
insured person: Shobhit Saxena
policy no: 4034/FPP/03549767/00/000
date: 2-may-08



My father is a Govt. employee and he receives all his medi-claims easily
so there was no need for these policies and my father never requested for
this.
When we went for cancellation of these policies on 1/8/08 the costumer care
executive charged an amount of around 15, 000Rs. and it was automatically
debited from my father''s credit card account after we requested for
cancellation of the policies.

But the question i want to ask is why I was charged for these policies. Is
this the benefit what a credit card account in ICICI bank gives to its
customers?
15 thousand rupees is not a small sum for a middle class person. They open
the policies without the knowledge or signature from the costumers and
then if they are stuck with it and try to cancel it...then they charge
them with such amounts.

My father is being charged for these policies without his need. And now on
cancellation he was charged 15 thousand bucks.

These policies was formulated on phone only with oral agreement from my
father. I wish to notify u that my father is an old man who is unaware of
all these phone banking and other things. And it was never mentioned while
opening these policies that if we cancel them then also we have to pay
this large amount of
money.

The policies were useless in there job as when my sister fell ill, the
hospital authorities denied these policies. I wish to make it clear that
this
was a hospital metioned in the banks list.
But we had to pay for her medical expenses.
And when we went to cancel these useless policies they charged us with
more than 15, 000 rupees.

The interaction i had with the bank about these policies was Interaction
ID[protected]

I would like to mention that these type of policies are a menace as they
are useless in nature and just formulated to drain the money o[censored]naware
individuals.



Consequences : 1: More than 15, 000 rupees taken at the time of closing the
credit card account

2: policy money what we paid earlier

3: Mental pressure faced to arrange for money during my sister''s
operation

4: time wasted in negotiation with the bank

The Worst ever General Insurance Company-------ICICI LOMBARD GENERAL INSURANCE COMPANY we met in our life.The fraud and fake representatives sitting there in the name of Private Insurance co.talking more doing less, degrading the Image of other private Insurance Companies, just grabbing the hard earned money of people in name of Quality services...making fool of ours for more then One year that your complaint has been processed and the amount will be refunded soon.But after 1.5 yrs. the Company says our amount could not be refunded ...why ?They says amount could not be carry over in Marine Insurance policy like in The Oriental Insurance Company and other National general Insuarance Companies, ...then what is the benefit of Private Insurance Companies.
Go hell with their services and Company...We just fed up of all theirs worst services and quality.. All the very BAD LUCK to ICICI LOMBARD GENERAL INSURANCE COMPANY

Claim not Received
Dear Sir,

I have made a claim related to theft of my motor cycle to ICICI Lombard vehicle Insurance.

Please note that my claim number is as follows
MOT[protected]

Please note that I was told that my claims will be settled in 3 months time. and all the necessary documents were submitted hoping for some positive action from them. told me that it takes 7 working days to process those documents. I waited till 6th Feb and then starting from 7th Feb I have been calling them every alternate day and they tell me that the documents are under process. They always say that I should get some answer in 2 days. This way I have lost another 1 month and still I am not getting any positive reply.

I hope to solve this problem by reporting this to you.

Thank you very Much. You can also call me at [protected].
Read comments

I am Amol Debadwar. I have taken ICICI Lombard health policy in december 2008.
Policy started in 30 Dec 2008. But i have not received any policy document. After calling so many times,
they have sent policy on my mail id but not a hard copy of it.
I have received a sms on 4 march 2009 that they dispatched the hard copy through Express IT courier on 26 feb 2009 (POD[protected]. But still i have not receiced it. When i contacted to to ICICI Lombard Customer care, i got the reply that they dont have express courier contact no.
So how they have dispatched the policy? Also i dont ahve contact no of that courier so taht i can track where my policy got stuck?
Plz help me out.
Thanks
Amol

Bus No MH 06 S 7490
Date of Reg.of Vehicle. 27/05/2008
Policy No. 3004/54115591/00/000
Claim No. MOT 00865575
Date Of accident. 14/08/2008
Date of Spot survey. 14/08/2008
Date of receiving and amount of repairing estimate: 13/09/2008 Rs 27, 48, 108.00/-
Receiving of 1st payment on 05/11/2008 Rs. 10, 00, 000.00/-
Date of submission of Bill and repairing amount By JCBL 10/12/2008 Rs. 21, 53, 310.00
Date of assesment 1) 09/09/2008 Rs.12, 36, 350.94/-
2) 23/12/2008 Rs.14, 70, 635.00/-
3) 26/12/2008 Rs.14, 21, 331.00/-
Our Demands.
1) Not paid toeing charges
2) Not paying balance amount Rs. 6, 82, 675/- + Toeing Charges+ compensation.
3) The surveyor is not authorized to survey or asses our damage as per IRDA guideline.
4) As surveyor is not compitant he has assed our loss in unlaw full and vaiolated IRDA guidelines. i.e. Depriciation, IMT 23, etc...
5) The catagory of serveyor is not provided.
6) Clerification of deductions i.e. on which account it is diducted i.e IMT, Composit parts, Plastic/Metal parts.
7) Immediate payment of 5, 00, 000/- as we have to pay due installment.

I have taken a mediclaim policy for my mother in Jan 2007. Now my mother became ill and was hospitalized. When I went for the claim from ICICI Lombard mediclaim with all genuine reason. They have denied for the payment telling me that it is a pre existing sickness. But they have never disclosed about this type of tactics for non payment of claims before the insurance was taken. After receiving the insurance premium they have sent a very fat booklet with various clauses for non settlement of claims so that every one fits some where in the agreement and they will refuse the mediclaim. The same has happenned with me as well. This is regarding the claim submitted for Policy No: 4034/CHC/0324/7031/00/000 ON 20/02/09.

Hi,
This is Ramesh from New York.

UCV Interaction ID[protected].
Customer :Ramesh A
Lan No :LBCHE[protected]

The reason behind this mail to convey my issues and to tell everyone how frustrating it is evenafter being nice and paying money and also you struggle with some irresponsible peoples.

I am a customer of icici home loans for past 3 yrs with clear track records of repayment and I came to India for my exams and wanted to enroll my home loan insurance with icici lombard and I was trying hard to complete this work for the past 8 months with all calls, followups for documents, cheques issue and so on and on and on and now I am back to new york and still it is ongoing for two months.

ICICI Lombard executive Mr Nandagopal ( nandagopal.[protected]@icicilombard.com) got the docs from me before 8 months and he got from me 3 canara bank cheque leafs and lost those leafs. I struggled hard and stopped those cheques by spending 166 Rs and lot of my time which is irritating.

Again he asked if I have any icici a/c and inspite of me telling him that this account is closed long back, he got those leafs saying it is for dummy usage for process.

I have not received any docs and there was no replies and even after lots of followup I was able to be on a conf call where literally Mr.NandaGopal and his Manager Shankar ( v.[protected]@icicilombard.com) was fighting on the call.

I thought atleast Shankar will help and now he is also not responding for my emails or calls.

Now atlast what I have got from icici is ?????a name as defaulter for the mistakes o[censored]r executives saying two month of insurance amount is not paid and ICICI is sending their Executives. This useless guys have enrolled my ECS on an account that was closed before two years and blame me for cheques getting bounced.

My long mail is all my frustration and I hope there is atleast one responsible offical to hear the words of a customer wasting all his money on International calls and troubles and time waste.

All the cause for this issue is your representative Mr Nandagopal and his manager Shankar. They are not ready to respond any of the call and emails now ...This is the limit for any customer and I am never gonna stop until someone responds and I will literally screw your name in the market with all blogs and sites if there is no answer.

Waiting for a quick reply.

From your still waiting customer,
Ramesh
[protected]@gmail.com
[protected]

My salary account no. is[protected] it shows -10370.37 Rs due to non payment of credit card though I did not make any transaction ICICI Lombard Co had itself made transaction.
the company make start policy by phone only. and i don't agree than after they start two policy e of two was cancel and one is still running.
with out signature on any legal document how thay cany star my policy.
i can't get any document...

Claimant Name : Rohit Darolia
TTK ID NO. : BLC-IL[protected]A
Policy No. : 4034/FPS/01862595/00/000
I have submitted the documents for claim in Nov 08 after confirming the required documents from TTK help line, after one & half month i.e.22nd Dec 08. I received a letter for short of documents, I was surprised, but again I submitted the required documents on 25th Dec. After regular follow-up, it took a month for settlement and 28th Jan, the check was dispatched to me (as per TTK Help Line). Till now I have not received any chq. I have also confirmed with Professional currier (Mr. Umesh[protected] J. B. Nagar Branch), they told me that the check is returned to TTK on 2nd of Feb. and now at TTK no one is answerable for the same daily I am following up with them and receiving the same answer that “they will confirm with the currier fellow and pls call tomorrow”, I am wondering that when this tomorrow will come.

Dear Sir/Madam,

Below mail was Posted on :[protected] by T.S.MANOJ KUMAR.and this is the second time I am writting to Indian Consumer compliant cell and till date the TTK Health claim no. BLC-11-08-CN-L31891 has not been settled.Last communication details are as follows:

Dear Sir/Madam,

My wife Mrs.T.M.Sunitha, underwent appendicitis operation and for her medical claim, we have submitted all the relevant medical reports, scanning, x ray, , blood test report, discharge report along with the medical bills of Rs.27, 8500/- on 01/11/2008 at TTK office in Coimbatore branch which was checked, acknowledged and documents were accepted and sent to TTK main office in Marol, Mumbai.As we have not received any information and hence after waiting for 10 days, we have contacted TTK office and on 13/11/2008 we have received letter from TTK office that we have to submitt Histopath Report and we have been asked to submitt the report.
We have submitted histopath report also but on on 12/12/2008 I have received message on my mobile that "Your health claim no. BLC-11-08-CN-L31891 has been closed due to non-receipt of documents."
Even after submitting all the reports and getting acknowledgement through their branch office in Coimbatore our claim has been rejected which is totally unfair to us.
On one hand ICICI Lambard assures their customer for best service and on other hand they made us to run after them.

Also,

I have attched the below communications those have been sent to ICIC LOMBARD but as usual a standard reply has been given to us in this regard. We are the service holder and deposite the money with such insurance company so that it will be helpful for future in case of any problem but this is false as ICIC Lombard earns money from such citizens like us and run their business and there is no body to ask them. We have already lost the faith on ICICI LOMBARD. It's pathetic that such cheating is happening here where the ICICI Bank claims themselves to be best in service.

Regards,

T.S.Manoj Kumar

RE: 'ICICILom=[protected]' ICICI Lombard Website - Email‏
From: manoj kumar ([protected]@hotmail.com)
Sent: 08 February 2009 21:23PM
To: [protected]@icicilombard.com

Dear Mr.Abhinay Bhosale,

Till now there is no response from your end and we were waiting since last 20 days.
Please do respond immediately.

Kind Regards,

T.S.Manoj Kumar

[protected][protected][protected][protected]

From: [protected]@hotmail.com
To: [protected]@icicilombard.com
Subject: RE: 'ICICILom=[protected]' ICICI Lombard Website - Email
Date: Tue, 20 Jan 2009 22:46:32 +0530

Dear Mr.Abhinay Bhosale

Thanks for the communication.

However again we have received letter today from TTK to submit the Original Hypothesis report within seven days which we have already submitted to them long back and evidence has been already given to you also through mail.
This is totally harrsement to us and unfair.

Enough communication has been done in this regard and if the claim is not settled immediately, we may approach legaly.

Regards,

T.S.Manoj Kumar


[protected][protected][protected][protected]


Date: Mon, 19 Jan 2009 22:22:26 +0530
From: [protected]@icicilombard.com
Subject: RE:'ICICILom=[protected]' ICICI Lombard Website - Email
To: [protected]@hotmail.com

Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
With reference to your mail, we wish to inform you that your request has been forwarded to the concerned department and we will revert at the earliest.
For any further assistance, please feel free to write to us.
Assuring you of our best services.

Regards,

Abhinay Bhosale
Customer Support Team

Reference to Policy number - 4030/W-369655/00/000 - I have taken an overseas travel policy in Chennai for a travel to US for 6 months. Based on the policy’s refund procedure, I am eligible for a refund of the unused portion (3+ months) because of my returning back to India.

I am a senior citizen, and I had to talk more than 6 times, and Email more than 8 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query.

I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide.

I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I am getting same responses on different dates from a customer service professional - Pankaj Chettri, that I have claimed an amount of Rs.300USD! (same as in his mail) If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed.

If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy.

Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)

Sir/Madam,
I took housing loan from ICICI Bank in Oct 2006 vide No. LBHYD[protected]. At the same time I took Loan care Policy vide No. 4043/0000002/ICICI/HL/0019133 & Standard fire & Perils policy vide No. 1001/0023793/ICICI/HL/001933 from ICICI Lombard. Recently on Nov 18, 2008; I transferred my home loan to Central Bank of India (CBI) from ICICI Bank. In the existing policy vide mentioned above the ‘Insured’ is ICICI Bank.
As I transferred loan to CBI, I consulted Customer care of ICICI Lombard to change ‘Insured’ from ICICI Bank to CBI, I was informed that, change in the insurer’s Name is not possible and the only option left with me is to cancel the policy. Hence I gave a request to cancel the policy vide req. No.[protected].
Later I received SMS stating that policy is canceled (on Dec 04, 2008).
But, in second week of December, I received a phone call from Mr. Kaushik of Mumbai; that, I need not cancel the policy as policy can be endorsed in the name of Central Bank of India, if property and the insured person are same. He also said in your case it is possible as the property address and insured person remains same. I also hinted at that, Customer care officer has said it’s not possible, he replied they are not aware about this condition, now as policy has come to me for cancellation I am calling you. I told him about SMS as mentioned above. He also gave me the mobile number of Mr. Anjeney, your representative at Hyderabad. Later Mr. Anjeney consulted me and told that, its possible to insure the policy in CBI’s name ans he require some documents. Then in Email correspondence he asked me to give a letter for request in change of name, No Objection Certificate from ICICI Bank and disbursement letter from Central Bank. I communicated the same to him. Later on telephonic enquiry Mr.Anjeney told that he has received all documents needed and soon he will dispatch the corrected policy documents. When I didn’t received documents till January 2009, I enquired with Mr.Anjeney again, he told that, recently only your documents has been dispatched and you will be receiving the same soon. But I didn’t receive any thing. I again called on Jan 20, Mr. Anjeney told that I will enquire and let you know. He didn’t called. Later When I called again, he said that it has been delivered and to Nellore address, which address is no way related to me. So he said that he will see what’s gone wrong and communicate. But there was no communication. Later whenever I called, some time he did not lifted, some time he said, I am on leave, some time he said, I am in meeting and once he said our operations manager some Aparna (or Alpana) will call you. But no calls. On Jan 22, I had a long 9 minutes discussion with him where he assured that by 12.00 Noon on Jan 23, 2009 he will solve my problem without fail. But no reply. So on Jan 24, 2009 I called to Mr. Anjeney at 2.30 PM. He simply received the call but didn’t replied it happed twice. So finally I called Mr. Kaushik at Mumbai, he feel wondered by knowing case is not solved so he connected me to Mr. Venkatesh, senior to Mr. Anjeney. Mr. Venkatesh assured me that within 20 minutes he will reply me. Later the last call I got from your office that the name in the policy can not be changed and I need to cancel the policy.
When I want to lodge this complain to their senior officer so called sitting in service quality control, through their web site, the link provided is now working. From 3 days whenever I click on link, the page is displaying ' we can't provide service now please try later'
This is the way ICICI Lombard is harrasing the customers.

Hi,

I 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 on second week of December 2008. This is the first time I am using the “Credit Card”. I don’t know particularly what is the process, ICICI...

I BOUGHT TWO TRAVEL POLICY FROM ICICI LOMBARD ON THE CREAR UNDERSTANDING AND AS PER THEIR WEBSITE THAT IF PAYMENT IS MADE BY ICICI CREDIT CARD PREMIUM WILL BE COLLECTED IN 12 INTEREST FREE EMI. THE POLICY IOS DATED 23RD SEPTEMBER, AND THEY DID NOT DEBIT MY CREDIT CARD ACCOUNT AND DEBITED AFTEN EXCHANGE OF SEVERAL MAILS ON DEC 3, 2008. THEY SAY THEY CANNOT EQUATE THE SAME INTO 12 EMI AND I HAVE PAID THE DUES. ICICI HAS GONE BACK ON THEIR STATEMENT TO ME AS WELL AS PER THEIR WEB SITE. MY MAILS HAVE NOT BEEN ANSWERED. THIS AMOUNT TO CHEATING. I NEED THE PROBLEM TO BE ADDRESSED ON PRINCIPLES OF GOOD ETHICS. SESHADRI

I received calls from one called Kumar from[protected] a month back on my cell phone and he informed me about no-checkup health insurance from ICICI Lombard Company. Since I am 50+ now, I thought it would be a good chance to get myself equipped with another medical insurance when they are providing it without any pre-medical tests. Initially, i rejected his offer. But, he kept calling me again and again and I thought I of investing in it. I accepted it and i also made the payment through my HSBC Credit Card and now, its over 2 months and I have not received any intimation about the Policy or the Health Insurance Card or whatsoever. I tried calling to the same number from where i received Kumar's call, but, when I try to call, everytime the telephone keeps ringing and no one picks up the phone. I am clueless now as to what wil happen to the payment that I have made towards ICICI Lombard. I suggest, donot go in for these calls that we get on a routine basis to our cellphones.