ICICI Lombard Complaints & Reviews

I was the employee of MNC and have health card (ICICI Lombard), payments through credit card only.
The facilities of Lombard are similar to company facilities so, I feel to cancel the card.

At the time of cancellation they are telling like:
1. cancellation u have to pay 2800/-
2. I[censored] don’t want to pay continue the policy
(Note: now I am continuing the policy, there is no other option.)

I was really shocked the reason is: every month I paid Rs. 280/- (6months means nearly 1680/-) and I didn’t use that card even though for the cancellation I’ve pay 2800/-. Totally 4480/- . Is it having any sense?
If I use the policy then I’ll pay the money with out using why should I pay?
What the management of Lombard doing? They want to take money from customers with out providing any facility? There rules are really meaning less…

At the time of starting the policy the agent told me like:
1. You can get more and more features (telling some nonsense means high lights the small good features and hides the main and important points).
2. When ever you want you can cancel the health card
(The Agent Name: Sujatha - Hyderabad)
The main point is first they join us as policy holder/member then only they send documents for that policy. They really chatting the customers.
What should I do now?

BEWARE OF HEALTH INSURANCE CLAIMS


We hold ICICI Lombard General Insurance vide policy No. 4034/FNP/01964651/00/000 and we applied for Reimbursement Claim No BLC-02-08-CN-L13497 on 4th Feb 2008.


I had the worst ever experience in dealing with ICICI Lombard General Insurance and
TTK Health Care Services (P) Ltd, Mumbai the third party who handles the reimbursement.

I am going to write to you in brief as to what had transpired between me and TTK.

On 4th Feb 2008 I sent my claim papers to TTK Mumbai. Before sending my papers I called up the customer care of TTK and informed them that I do not have the consolidated bill except for the weekly bills along with the payment receipts. They said that would suffice so then I sent my first set of papers.

I received a letter dated 12/02/08 from TTK Mumbai asking me furnish the following information which I sent on 26th Feb 08.

REQUIRED ALL ORIGINAL INVESTIGATION REPORTS

REQUIRED ALL PRIOR CONSULTATION PAPERS WITH SUBSEQUENT PAPERS OF TREATMENT FOR FEVER ON AND OFF.

In that letter there was no mention of main hospital bills and receipts requirement which clearly indicates that my papers are in order.

I followed up with TTK every week and always I had a standard answer that my claim is under process. This went on for weeks and months. Its more than 3 months I submitted my papers. The best part is the Executive at the call centre never puts me on the higher ups. With great difficulty managed to get their Asst. Manager-Claims, Mr. K. Dhananjay who promised to do something. After repeated STD calls to Mumbai I was told Mr. Dhananjay was no longer with TTK. I was asked to get in touch with Ms. Nirjara, Manager-Claims whom I never got on line after repeated calls. Sent a mail to her. Till date awaiting her reply. There was no proper response from TTK hence I was forced to contact ICICI Lombard General Insurance in this regard. We contacted their supervisor Mr. Raju 15days back who gave us request no: 70508471 and promised latest that evening would settle the issue. That evening is yet to come. Disgusted got in touch with Mr. Jayanth who also promised but his promise is still pending

We sent a mail to Mr. Praful Karkera, Customer Care Unit, ICICI Lombard General Insurance, who wrote to me that in the documents submitted are inadequate. Why was TTK sitting on my papers all these months when there was no written communication from their end?


I don't have any documents to be submitted. Even if I am to submit the main hospital bill I need to return all the original weekly bills back to the hospital pay them the requisite fee and wait for 3 weeks for them to dispatch. They do not hand deliver. All my weekly bills are with TTK, Mumbai.

Because of this inordinate delay I am deprived of my claim from my other Insurance Agency. Every body needs the originals.

” I want to know only one thing”. WHY DID IT TAKE MORE THAN THREE MONTHS TO PROCESS MY CLAIM.

This is what Health Insurances are it appears. This is the saga of grieving parent over the insurance policy system. A normal expectation is insurance amount would come handy for treatment purpose. Far from that we are running pillar to post to get back the amount. Let readers decide and Beware of tall promises of certain Insurance Companies and not fall pray to false advertisements and claims by the company

To,
Shri K V Kamath
Chairman
ICICI Bank

Subject; Fraudulent practices by ICICI-Lombard General Insurances

Dear Sir,

I am a Customer of ICICI bank since year 2003 and is very happy to say that I am more than satisfied with the services provided to me and other customers by ICICI Bank.

This particular note is just to inform, what is happening in ICICI-Lombard General Insurances Company. This could be an isolated case with me which would be explained in following paragraphs, but I feel that this must be brought to the notice of the highest officer of the company and other related with the Insurance business.

1. I got a call from Mumbai office of ICICI or ICICI-Lombard office asking if I am Vijay Kumar Taylor. I said yes.
2. The person on the line said that you are our privileged customer and we would like to gift you an Insurance policy. I said, I already have one from my company and I don’t need other policy.
3. The person on the line repeatedly requested and called me over my mobile saying that the Insurance policy would without any cost so there is no harm in having two policies.
4. I said that I don’t need. The person on line from ICICI again and again called and said that we have new tie up with Lombard and we need to show some business from our (ICICI) side that is why we are planning to gift few policies to our privileged customers. He continued to request me till I had to say ok lets hear about the policy.
5. The person on line explained that myself and my wife would be covered under the policy and the policy would be sent to my address directly.
6. I asked how it is possible to issue Insurance policies with out any charges (or gifted).
7. The person replied that sir, as we have JV with Lombard and we have to show some business from our (ICICI) side, the policy would be issued at some EMI which would be reflected in your Credit card. I said I don’t need to see any thing on my Credit as the same is kept under my Locker because I would never use the same. The person asked why?. I said I have bitter experience o[censored]sing the Credit cards and the present ICICI Credit card has been sent to while I shifted my account from Valsad to Indore.
8. The person said that sir there is no need to worry. The Charges in the Credit card statement would be reflected, but no need to pay the same.
9. I was not convinced with his argument but due to his repeated calls I said ok let me feel he experience of ICICI doing so. The person said that some body from Lombard would call you to confirm and record the acceptance of the policy on my credit card and I have to just say ok in respect of deduction of policy charges from my ICICI Credit number [protected]. He repeatedly said that no charges would actually be demanded from you by ICICI. I was smelling something wrong.. A call came immediately after some time saying that they are calling from ICICI Lombard to confirm some details. I tried to avoid and did not respond to the first call still fearing that probably something wrong what has been stated by your person from Mumbai. The came once again and requested once again regarding confirmation of some information’s. All this was happening to me in my office continuously on the same day. I got fed up and said ok please ask what you want. The person on the line was asking about the general information regarding address, my Credit number etc and finally asked do you accept the purchase of policy, which I replied as briefed by previous your person.
10. A policy bearing number 4034/FNP/02199966/00/000 wit cards was received by me just based on the telephonic conversation with your person from Mumbai in May 2007. I just kept the policy in the cupboard of my office.
11. Nothing of any sort about the Credit card and demand of money came to me till 1st week of December 2007. The Credit card statement for the month of November was received at my address showing a Total amount of Rs. 14974=34 due to be paid by me. I just did not bother as per the words of the person who initially called me from Mumbai.
12. I was not comfortable with the Credit card statement demanding me to pay the above mentioned amount. I felt some thing fishy about all this. I immediately called your person at Mumbai and asked to cancel all this privileged Insurance issue.
13. I got the policy cancellation letter from Mumbai office in 2nd week of December 2007. I felt relaxed.
14. But the Credit card statement sent to my address for the month of December 2007 showed a recovery of Rs. 4347=00 and still the amount due to be paid by me was shown as Rs. 11499=47. I thought that some process in installment is taking place of reversion of the amount shown in my Credit card.
15. But the Credit statement for the month of January 08, February 08 and March 08 kept on increasing. I just kept them all Credit card statement together to see what going to happen with the fish which was smelling since beginning.
16. One fine morning a call came on my mobile, asking me to deposit the dues of Rs. 14048=96 reflected in the statement of March 2008. I said what for I should pay the amount as I was told that it would just an statement to show Lombard (JV Partner with ICICI) that some EMI are being deducted. But the lady on the line started saying that nothing of this sort happen in ICICI . I really got a shock as well curious to know what’s all this about.
17. I said to the lady I am not going to pay the dues mentioned in the Credit card statement. I was shocked to see the response of the lady who said that the amount has to be paid by you otherwise their people would come to my place and recover the money.
18. I said to the lady that there is no need to come to my place and right now I am coming to your ICIC Bank. I visited the ICICC bank, AB Road Branch and desired to meet the concerned Manager of the Credit card section. I was satisfied with his response who sid that ICICI Credit card section and ICICI Lombard are separate identities and what ever is demanded as dues on Credit card is due to the purchase made by the Customer. I said that I have never used the Credit card sent by ICICI till date as the same is kept under locker.
19. The Manager Credit card section, ICICI Bank listened the whole episode and agreed that some thing of this sort is happening and he only informed me whatever you confirmed to the person calling from Mumbai, based on that your EMI has started reflecting in the statement . I said I already got the policy cancelled and reversion of amount started in December 2007. He Explained that if the three EMI are not paid as per the Credit card statement by the customer, the entire amount of the policies is charged in the Credit card by the ICICI-Lombard General Insurances Company. I was shocked to hear this as it was never told to me by any of the concerned person. Then I said that the Credit statements were not received by me till November 2007 (6 month after the issue of policy). The Manager Credit card section generated all the Credit card statement since June to October 2007.
20. I asked the Manager that when the policy is cancelled and policy charges reversed, then why are you continue to sent the statement. The Manager explained that probably the ICICI-Lombard reverted policies charges for some period and no further changes are reversed so ICICI Credit card can not do any thing about this and unable to send Zero balance statement. He advised me to visit ICICI-Lombard office at Indore and request for the reversal of entire policy charges.
21. I visited the ICICI-Lombard office and try to submit an application. The lady at the counter refused to acknowledge the receipt of my application. I said that at least listen to the content of the application which she listed but without any response. The Branch Manager ICICI-Lombard also came during the discussion but his response was not at all satisfactory except saying that they would act on the what has been written in the application and would informed me accordingly. I had mentioned my mobile number on the application.
22. Nothing happened/ no information sent to me on my application for 38 days. Then I had to visit the ICICI-Lombard office at Indore once again. The lady at counter checked and said that they have received the response. She told me to listen some recorded audio and based on that she said that I have accepted the policy. I said that its not the true what is being told to me and if she would like to know the facts, please listen to the conversation which had happened prior to the audio version made available to me. She flatly refused that only acceptance audio version is recorded and nothing committed before and after on phone is recorded so the same can not be made available to me.
23. I felt like an Englishman is cheating to a Indian villager. I was so angry from inside thinking that such type of things are still prevailing MOST PROBABLY DUE TO THE THINKING OF JV INSURANCE COMPANY PARTNER THAT INDIANS ARE STILL VILLAGERS AND .
24. I wrote one more application requesting to resolve the issue saying the cheating has been done by ICICI-Lombard by making false statement copy/audio version of which is not being made available to me. The lady at the counter once again flatly refused to receive my application leaving with no choice to loose temper. The lady at counter talked to Branch Manager and told me that Mr. Kartikesh Paliwal is coming to resolve the issue.
25. Mr. Kartikesh Paliwal came after 10 minutes during which period I was offered Cold Water and Coffee. One More lady Officer came in and started talking very sweetly. I had to explained everything from the beginning thinking that probably these officers would be able to or take interest in resolution of the issue.
26. After few minutes I understood that the Branch Manager and other lady officer are very much tuned to handle and well aware of the fraudulent practices going on in ICICI-Lombard General Insurances Company.
27. Still both the officer refused to acknowledged my application and stated that the application be sent by courier officially, however they accepted one Xerox copy stating the action would be initiated.
28. This date is[protected] and there is no response till date from ICICI-Lombard General Insurances Company, Indore or Mumbai.
29. One more strange thing, that till date since March 2008, I have not received any Credit card statement. I DON’T KNOW WHAT ALL IS GOING ON INTERNALLY BUT MY ISSUE STILL NOT RESPONDED. I AM NOT SURPRISED, IF I GET AND CREDIT CARD STATEMENT ASKING ME TO DEPOSIT Rs. 50000=00 AND A CALL ON ANY OTHER DAY OTHER WISE SOME PEOPOLE MIGHT COME TO MY PLACE TO RECOVER THE SAME FROM ME.
30. I am sending this detailed note for your review not with the interest that my problem is resolved, but with a sincere view that other are prevented from this type of fraudulent practices.
31. I do not know whether this note would reach to you or not, therefore requesting the all concerned who are in receipt of this note to please take up the issue or send this note at proper place in the interest of the common man

MY SELF PUNAM KATARIYA WANT TO SHARE SOME UNFORTUNATE EXPERIENCE WITH THIS COMPANY.
I HAVE TOOK ICICI LOMBARD HEALTH INSURANCE POLICY THROUGH PHONE ON MY CREDIT CARD ACCOUNT IN FEB, 08 AND THEY SAY YES YOUR DOCUMENT WILL BE FORWARDED TO U WITHIN 21 WORKING DAYS, IN MARCH WHEN NO DOCUMENT ARRIVE AT MY HOME I REQUEST TO CANCEL MY POLICY AND REQUEST NO IS 23030882 AFTER SOME DAYS I RECEIVE ONE PHONE CALL FROM ICICI MUMBAI BRANCH THE GIRL WAS TELLING ME THAT WHY U R CANCELING YOUR POLICY I[censored] CANCELed POLICY THIS TIME U HAVE TO PAY 1700/- RUPEE AS CANCELLATION CHARGES!!! FOR THIS REASON I TOLD HER TO CONTINUE MY POLICY AND send DOCUMENT OF POLICY AS SOON AS POSSIBLE! SHE AGREES!!

IN APRIL I GOT FIRST EMI BILL OF POLICY WITHOUT ANY DOCUMENT!! AND DUE DATE WAS 20TH APR!! THEN I AGAIN ARRIVE BANK TO CONFORM THAT MY DOCUMENTS ARE NOT ARRIVED THOUGH I HAVE TO PAY BILL?? THEY TAKE REQUEST OF CANCEL MY POLICY BUT NOT TOLD ME TO SEND REQUEST OF CLOSE EMI !!! AND I REQUEST AGAIN TO CLOSE MY EMI AND REQUEST NO IS[protected].

I HAVE PAY MY FIRST BILL!! BUT DUE DATE WAS GONE SO THEY GENERATE ONE BILL OF 1062/- SOMETHING!!

I WONT PAY THIS BILL!!

COULD SOMEONE LOOK INTO THESE MATTER OR I AM TAKING THESE TO CASE TO CONSUMER COURT NO MATTER WHAT.

AS I DON’T HAVE ANY PROOF OF WHETHER I TOOK IT OR CANCEL IT !!

I received a call on April 19th from an agent of ICICI Lombard, and furnished the details of insurance plan, in which i was not interested. I was asked to say "YES" to an atomated call,
i was not clear enough in doing that so i said yes.I am yet to receive my credit card, even before that a sum of 18000 is dedected for this insurance plan, also i received the documents required for joing the plan on 2nd of this month.Its is really frustrating that even before i get my card its been activated and used without my concern.

I request you to cancel the insurance plan and credit card which i am yet to receive.kindly do the needfull..

Sir,
I H.pruthviraj jain took helth insurance from icici lombard general insurance bearing the no:4034/CHT/03022126/00/000. so many requests from credit card call center one of my youngest son studying sixth standard say yes to their request.The call center people said to me you and your wife will get 3 lakhs coverage each plus Rs1500 worth gift voucher and cash less card accepted by major hospitals in my town.I enquired 9 out of 11 hospitals, they said you had to pay first and you will get reimbuersment later.I didn't get gift voucher promissed by the call center people.I get 3 lakhs coverage only.With in 24 hours cancell the policy but i didn't get the full reimbursement.They charged me Rs1592 as cancellation charges.The policy amount is debited from my icici credit card.This not refunded amount credit card people charging me service charge plus intrest and penalty charges from januvary 2008 onwords.Approch local lombard branch and registred complaints so many times but every time they giving a new requist number but no response.call the callcenter people somany times but the responce is same "you didn't get back your ammount".Please do the justice.
Through some body help i am complinting through internet because every time lombard people are asking my e-mail ID.But i dont have that much knowledge.,
With Regards,
H.Pruthvirajjain,
Nellore, Mobile no:+91-[protected]

Dear Sir,

I had applied for icici bank credit card, after 3 months i.e.
In the month of January -2008 i got a call from icici bank,
telling that "We are sorry to delay in dispatching credit card,
you will get a call from my supervisor, please tell him your credit
card number and valid from and valid up to dates as i tell you, and say 'yes', If he ask did you receive the credit card".
after 5 minutes i got a call from icici bank describing the
icici lombard heath insurance policy, it will pay in-patient expenses up to Rs300000
for u on paying 2000Rs. per year.
i feel its looking good but i did not tell him to deduct amount
from credit card.

Now the icici bank deducting amount from credit card with
fixed EMI for this policy.

I called customer care center icici lombard insurance telling
that " I don't want to use credit card for this transaction"
but he replying "if you don't want to use credit card, you have to
pay the full amount Rs6500/- and there is no installments"
and i asked him to cancel the policy, he replied that
"you have to pay Rs2500/- to cancel the policy"

1) Now i am not sure i will get benefits from this health insurance.
even If i pay full amount to avoid the interest.

2) If i want to cancel the policy I have to pay Rs2500/-

Please tell me what is the solution for it ?

Thanks,
Mujahed.
Bangalore.
[protected]@yahoo.co.in
mobile: [protected]

That we have insured our vehicle no. DL8CL4120 with ICICI lombard general insurance company for the period from 14/06/2007 to 13/06/2008. Due to minor accident we sent our vehicle to the authorised workshop i.e. T & T Motors Ltd. c-8 Okhla Phase-1, New Delhi and made claim on 26th March 2008 vide claim no. 00746262. Accordingly the vehicle was ready for delivery on 11th April 2008. The workshop sent a bill of Rs. 33, 197/- out of which the insurance company agree to pay only Rs. 17, 013/-.
As per the report of surveyor as well as as per the policy terms and conditions the insurance company is liable to pay Rs 25, 132/-.

Now the insurance company still owe us Rs 8, 119. Because the workshop manager has given us in writing that whatever amount he receives from the insurance company he will refund the same to us. In this case we suffered at the hands of both the workshop & the insurance company.

The persons responsible for our loss are Mr. Amit Dhingra-[protected], Harendra Prasad-[protected], Deepak-[protected], Bhusan-[protected].

ICICI Lombard takes 2-3 months to send a policy document. Their job is to be after you on mobile to purchase a product and once you purchase a product immediately takes payment online, but then they are not to be heard and seen.

I have taken a health insurance policy on 29th Feb 2008 by paying 13000 rupees for my father and mother.Till now I had not recieved anything from them after medical test.

They are playing with senior citizens health.If som emergency comes I cannot utilize the Lombard services.

I had a housing loan with ICICI (LBBNG[protected]) and I had an ICICI Lombard policy (4065/0000001/ICICI/HL/0001230) linked with the housing loan. I had cancelled the Lombard policy and a cheque (cheque no: 009845) was sent to my old address (Inspite o[censored]pdating the new address to the customer care). The cheque given to me is for Rs.33167.00. I had taken the insurance for Rs.50000.00. I asked for a statement which shows how Rs.16833 was deducted within a span of hardly one year.

These people dont care about customers. They tell that they dont have a provision for sending the statement and they put the blame on ICICI Housing Loan department (which is another group of PIRATES). Also when contacting the Customer Care they keep assigning some Request numbers and keep mum. The Customer Care also disconnects the phone which is a big shame. Please never take any products or services from ICICI.

Hi,

I have taken parental insurance policy for my dependent parents. I though it would be helpful to them incas of any hospitalisation when I am not around.

But it has become a headache to my parents now. My father had to hospitalise himself due to some health issues, and he was asked to pay some advance, room charges and all teh medicine charges even if he is insured, and was carrying the insurance certificatre with him. What is the need of an insurance if the patients are asked to pay everything, and more over some advance amount too because he is insured! This treatment was at Baby Memorial hospital Calicut, and teh hospital authorities were non coperative withe the patient and the by stander.

Patient was asked to wait 6 hours after discharging from the room. They explained that they are waiting for a reply from ICICI Lombard to get the bills claimed. They explained that tehy have to get soem advance amount from patient because they are not sure if they get all the bills claimed!!! He was asked to wait the whole day at the reception, and even after that they gave a reply that they are still waiting! Atlast my parents had to decide to go home . My father was so tired by taht time, due to illness and the strain given by the hospital authorites.
Just imagine, this is the situation of a dependednt parent when his/her children are not around to help them!

I am really fed up of this, and i suggest nobody go for ICICI Lombard insurance. It will not help you when you need a help for your old parents!

Dear Sir,

I have taken mediclaim policy from ICICI lombard( healthcare insurance), bearing number 4034/HIR/02980540/00/000. The premium of this policy was fully paid, by credit card, and the policy was in force from 08.12.2006 TO 07.12.2007. While at the time of renewal of this policy, I insisted to introduce the name of my 22 months old son, but the company officer Mr. Samir Sharma promised me to renew the policy and introduce the name of my 22 months old son while completion of 2 years of age (ie after two months), that time he has collected the premium of the new member too which was to be covered by the policy after two months.

After the completion of two months when my son acquired the age of 2 years, a approached the insurance office and enquired about the entry of new name in the policy, at that time Mr. Adhitya Sharma (team leader), who was then incharge of the company, informed me that, what ever Mr. Samir Sharma has adviced you was not true, and the name of your son could not be added in the policy, you have to enroll for new policy for son.

I recalled him saying that i have alreday paid the premium for my sons part, two month ago, as adviced by Mr. Samir Sharma, but he was not ready to accept any thing from my side. He simply ignored to listen any thing from my side and advised me to do whatever i can.

Sir, when i was satisfied from Mr. Samir Sharma, i paid the premium including the premium of my son, the same was accepted by the company. At that time the company did not brougth this fact to my knowledge that the policy premium of 22 moths of age could not be paid, and they alredy colledted the premium, and no fact was brought to our notice.

If company found that the premium was mistakely collected, that the company should grant the refund well in time. But the company did not find it to be important.

This is my complaint agaist the company that they have colleted the premium by missguiding me and giving me the false inforomation.

The case may be treated serious and the culprits must be pusnished inorder to avoid such trend of business in future.

Please look into the matter .

REGARDS,

NANHU V. KUSHWAHA

[protected], [protected]

Suraj Parkash Tuteja
38 Azad Nagar, Jagadhri Road.
AMBALA CANTT 133006

MARCH 19, 2008

Mr Manpreet Singh Mob [protected]
Authorised Signatory
ICICI Bank Ltd,
IInd Floor, FCO 151-152 Sector 9C,
Opp Yes Bank, Chandigarh

Reg Dues against Credit Card No.[protected]

Dear Sir:

Please refer to your proposal No IBBC/COR/2476/51 dated 18.3.2007 offering to settle dues at Rs 58, 000/- as against the amount earlier claimed at Rs 78.973.56 as on 28.1.2008. In fact nothing is due from me, rather some amounts are due from you. But even for this so termed generous proposal the language and wording of the letter is not only insulting to any customer but also reflects the lack of even an iota of common sense, because without looking to the large scale criminalities indulged into by ICICI Lombard itself, you are time and again expressing your large generosity of spirit in allowing the so termed huge rebate of Rs 20, 000/- and putting up misplaced conditions. Because being a % share holders in the amounts recovered, your first and last intentions - whatever your Principal’s faults - is only to extract heavy amounts by terrifying & threatening customers, and so you can earn more commissions.

Besides, this letter IBBC/COR/2476/51 dated 18.3.2007 which was kept being forcefully withheld by your Mr. Rana and given a copy only after prolonged heated discussions at various levels right up to Chandigarh, is a mockery because the letter is not on the Bank's letter head, or carries a rubber stamp, does not indicate the branch or postal address, or telephone numbers or even designation of or copy of Authority Letter of Manpreet Singh. It is a scrap of paper. A fresh copy of the same duly rectified be sent. Yet again, the bank is vigorously with holding from me copy of my Savings Account No ?? statement since December 2006 and creating hurdles for me to arrive at the final amounts withdrawn against the credit card from this account.

This rebate of Rs 20, 000/- does not reflect in full the wrong and excessive charges unlawfully debited to my Credit Card. In the first place I only provided details of my two sons to to ICICI Lombard to obtain detailed proposal, but ICICI Lombard straight away issued two policies, which were refused and surrendered, and only against repeated requests both policies were cancelled within less than 3 months on 28.3.2007 and even after repeated requests for refunds of the excess amounts charged ICICI Lombard never responded.

The reason for immediate refusal for the Insurance policies was the flood of lot many and excessive charges being debited and unlawfully extracted from my credit card like huge Rs 1533.80 EMI Principal debited on 21.12.2006 as also EMI Interest of Rs 302.62 for what ? The amount payable monthly was only 301.87 i.e. Rs. 7245/ 24 months = Rs 301.87 Why debit charges interest unlike in all LIC and other insurance companies, interests are never chargeable on monthly, or other periodic instilments.

If ICICI Lombard do not cancel policies around 3 months it was certainly not fault of mine, but of ICICI Lombard only. Then why damage me with all of the charges, service charges, interests on interests and what not ? Not resting with these frauds, even against both policies cancelled on 28.12.2006 ICICI Lombard illegally kept on further EMI Principal and EMI Interests charges but also started debiting for 6 policies with consequent Service Charges etc in January, February, March, 2007. Both policies were at last cancelled on 28.3.2007 but without giving rebate for the amounts debited and collected from day one or any amount whatsoever.

Again even after canceling both policies ICICI Lombard kept on unabated bombarding charges and collecting from my Credit Card amounts for the months of April, May and June 2007. But the height of criminality reached when long after the policy was cancelled on 28.3.2007, in June alone the ICICI Lombard bombarded my credit car with 13 EMI.s and 11 EML Interest charges amounting to Rs 50304. 31 EMI Principal, and Rs 1334.60 EMI Interest and together with service charge etc the amount criminally debited to my account in June alone ran to 64415.50 closing balance minus 10579.97 = Rs 64415.50 as reflected in the statement itself. And your Mr Rana and Ravi Gupta continue to insist for payment of Rs 58, 000 /- with threatening postures.

I insist on you to prove concusively that I ordered for any of the 3 EMI.s and 11 EML you have criminally dumped on me and know adamentally insist on me to pay up.

Looking to all these wrong. excessive and criminal charges, and looking to the adamant attitude & insistance for payment of Rs 58, 000/- it is disgusting to discuss matters with your Mr Rana or Mr Ravi Gupta or others who brazenly and blatantly insist that the amount as shown in the statement is payable under all circumstances they threaten they have lot many ways to extract the amounts. as is also visible from two dull-witted legal notices from Amardeep Singh Sukhija 23.7.2007 and Sandeep Suri 8.2.2008 were ignored. Both notices presupposes that only the ICICI Lombard as the most pious instead of the and acted like Mafia's dens or goons themselves fully knowing the repeated and heavy penalties and fines imposed and reprimands and warnings from Supreme and High courts in India. Both of these threats termed as legal notices were ignored. You are fully aware of the dirtiest reputation ICICI Bank is held in public, and you can refresh your memory if you click on internet for Google or Yahoo or any other search engine and check results ICICI + criminals or cheats or crook's or frauds or thieves or decoits or robbers or whatever else derogatory adjectives and see the results what lacs and crores of banking customers think and shout about you, And state till when the shameless conduct will continue by you people ?

In fact the four amounts actually withdrawn by me i.e., Rs 92/54 on 30.09.2006, + Rs 5, 000/- on 18.10.2006 were adjusted on 17.11.2006 with Rs 5, 489.96, 10, 000/- on 02.11.2006 ) 512.5 on 18.11.2006 were adjusted on 19.12.2006 with Rs 11, 701.02 with along with unlawful charges like processing fee, 199.99, manual cash Rs 300/- +300/- as against Rs 75/-, excess charged Rs 649.99 is to be refunded to me. Rest of all of Rs 78.973.56 as on 28.1.2008 is wrongly charged and needs to be set off .because I never accepted any of two insurance policies. Even a casual look at the statement will show that after 18.11.2006, with nil balance due from me, there is not even a single withdrawal but only illegal charges dumped on me.

Hope better sense shall prevail and it is requested that fresh statement of account with statement of savings account be furnished be furnished detailing the final amount lawfully due - not as per your senseless arguments - to either o[censored]s for final adjudication. Study the above facts carefully, and take this as legal notice and respond within 15 days failing which I shall get the matter adjudicated through RBI, Banking Ombudsman, Insurance Ombudsman, Consumer Forum or law courts at my option, as also go to the national Press and TV Media,
as also take up matters with the High Court and Bar Council against the two advocates why their Bar Licenses be not cancelled for sending out illegal threats and calling names in the name of so termed Legal Notices without studying the vase, all the while knowing full well the criminalities the ICICI bank is known for all over. One Advocate had the audacity to send copy of his notice illegally to Senior Superintendent of Police knowing full well the legal options available to him, Copy is being sent to SSP Ambala to check these white collar goons.

Suraj Parkash Tuteja

It is your responsibility copies ot this legal notice be also provided to following :
cc. Mr Rana (Mob [protected]
Mr Ravi Gupta Mon [protected]
Amit (Mob
e-mailed to chairman ICICI Bank,
Reserve bank of Inkia

E-mail address: [protected]@GMAIL.COM
Telephoneno:+[protected]
Correspondence address: 38 Azad Nagar, Jagadhri Road, Ambala Cantt 133006
City: Ambala
Country: India
Pin Code: 133006

Hi,

I have been forced to buy an Health Insurance from ICICI Lombard

What happened was that I had applied for ICICI Bank Credit Card along with which the ICICI Lombard guy called me up and told me that it was a complementary Health Card along with my ICICI Credit Card.I told him many a times that I didn't want this card, but he told me that he couldnt do anything on the same as it was an offer from ICICI Lombard and that only the offer can be rejected by me

He told me that I didnt have any other option but to accept it and later reject it as I had 45 Days time after I received the documents to cancel my policy

I wanted to cancel this, as I was not interested in this in the first place.I have applied for the cancellation and now they state that I would have to pay a charge of Rs.1, 100/- as I didnt cancel the same, after the policy was started on the 10th March, 2008 and that no charges would apply if I cancelled the policy after a period of 7 Days but I received the documents itself on the 17th March, 2008

Policy Name is FPP.and my policy No is 4034/FPP/03371659/00/000 and the premium chargeable for 2 Years is Rs 6732/-

Please guide me as to what should I do

Thanks and Regards,
Rohan

COMPLAINT MOTOR INSURANCE: Cover Note No. 53321296 TO
[protected]@icicilombard.com
[protected]@icicilombard.com
20 March 2008

URGENT>>>

Main POLICY NOTE NOT YET RECEIVED INSPITE OF SO MANY TELEPHONIC COMPLAINTS
The Payment has been Made For Insurance for the Period 24 Jan 2008-23 Jan 2009 vide ICICI Bank ac no[protected] ch no. 154701 amount of 15860.00 in favour...

I have taken one health insurance policy with ICICI lombard on 20th Feb 2008 over phone, but their executivd booked it as motor insurance policy by mistake. Since then I called up their call centre many times but except only apology no action taken. I tried to talk some senior person, but nobody came on line.
I then approached thru their online customer conplaints site and got an interaction ID[protected] dated 26th Feb'08 . Almost I am following up everyday by net to customer service head, but not a single response from their side.

Now I am already debited Rs 2962 towards car insurance which I have not taken at all and another 2 days I am going to loose my IT benifits for not able to take policy under 80 D.

Please help me to resolve the issue.

Re: Tax Guard Policy


With reference to the above mentioned details we firstly had called at ICICI Lombard helpline and had been told that the existing policy’s renewal notice has been sent and if not it will be sent in three working days.

On non receipt of renewal notice we sent a cheque with a letter for the renewal of existing policy at your bank. They are not ready to accept the same nor are they ready to give reason in writing for not accepting the same.

Hi i applied for icici car loan the executive told me that without taking insurance from icici lombard i wont get loan approved,i was also offered free insurance from car dealer,icici person said he will handle the issue and i have to take the insurance from icici,later i come to know that he was telling me lie,so i said him not to put my check for debit and return me the same i dont need insurance form icici,i spoke to lombard manager also he said he will send my check in two days i trusted him,but he debited my cheque ,if i dnt have a car how can he charge me for car insurance,car is yet to delever to me,so no chasis number no RTO registration and i have been charged 11221 for insurance of a car whcih i dont own yet
cheque number:387681
icici bank ,pune

Dear Sir,



I had booked a policy of Critical Health Care from ICICI Bank on 12th January 2008. As per my communication with ICICI Lombard officer, the premium amount will be equated in 36 equal EMI’s, but after giving them confirmation, immediately, they deducted the Rs.6600/- from my credit card limit. I had a communication with ICICI officer regarding terms and condition of cancellation of policy. He told me that if you cancel the policy before 30 days of registration, no charges will be deducted and complete amount will be reimbursed to you in your credit card account. But After confirming the cancellation, a verification call was given from ICICI Lombard to me, in which they did not spoke about any charges to be deducted. When the refund amount came into account, it was only Rs. 2973/- instead of Rs.6600/-.



Regarding the same I made several complaints to ICICI Lombard and ICICI Bank seniors. The preceding mails can give you an idea about the same.



I request you to help me and tell me how I can take out my 45% lost money form ICICI Lombard.



Communications with ICICI Lombard and Bank:



Fri 2/1/2008 4:36 PM



Dear Team,



Please assist the customer regarding Lombard query and inform to customer email ID [protected]@glenmarkpharma.com



Sincerely,



Shyam Sunder K

Customer Service Manager

ICICI Bank Limited





-----Original Message-----
From: Mahesh Shukla ([protected]@glenmarkpharma.com)
Date: Thursday, January 31, 2008 06:41 PM
To: Customer Care ([protected]@ICICIBANK.COM)
Subject: RE: RE: RE: FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



Kindly give the mail ID of some senior manger level person.



Thanks & Regards

Mahesh R Shukla

Core Team Member ([protected])

Project - SMART


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

From: Customer Care [mailto:[protected]@ICICIBANK.COM]
Sent: Thursday, January 31, 2008 6:28 PM
To: Mahesh Shukla
Subject: RE:'ICICICARE=[protected]' RE: RE: FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



Dear Mr. Shukla,





If any debit is done by ICICI Lombard only they have the authority to credit the amount to your credit card account.



Also we confirm that we will not be able to access your policy details registered by ICICI Lombard and hence we request you to contact only ICICI Lombard.





Forquicker resolution of your query/request, please write to us through "E-mail Us" facility. This facility is available on the first page of our web site www.icicibank.com, under "Reach Us ".



Sincerely,



Joginder Singh
Customer Service Manager

ICICI Bank Limited





-----Original Message-----
From: Mahesh Shukla ([protected]@glenmarkpharma.com)
Date: Thursday, January 31, 2008 04:46 PM
To: Customer Care ([protected]@icicibank.com)
Subject: RE: RE: FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



What do you mean by this? State clearly.



Thanks & Regards

Mahesh R Shukla

Core Team Member ([protected])

Project - SMART


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

From: Customer Care [mailto:[protected]@icicibank.com]
Sent: Thursday, January 31, 2008 4:44 PM
To: Mahesh Shukla
Subject: RE:'ICICICARE=[protected]' RE: FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



Dear Mr. Shukla,



We regret any inconvenience caused to you.



If you require any further clarification, please write to [protected]@icicilombard.com



For quicker resolution of your query/request, please write to us through "E-mail Us" facility. This facility is available on the first page of our web site www.icicibank.com, under "Reach Us ".



Sincerely,



Joginder Singh
Customer Service Manager

ICICI Bank Limited





-----Original Message-----
From: Mahesh Shukla ([protected]@glenmarkpharma.com)
Date: Thursday, January 31, 2008 11:16 AM
To: Customer Care ([protected]@icicibank.com)
Subject: RE: FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



Dear Sir,



My Card number - [protected]



Thanks & Regards

Mahesh R Shukla

Core Team Member ([protected])

Project - SMART


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

From: Customer Care [mailto:[protected]@icicibank.com]
Sent: Thursday, January 31, 2008 12:14 AM
To: Mahesh Shukla
Subject: RE:'ICICICARE=[protected]' FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



Dear Sir,



Please provide to us your complete 16-digit credit card number to assist you.



For quicker resolution of your query/request, please write to us through "E-mail Us" facility. This facility is available on the first page of our web site www.icicibank.com, under "Reach Us ".



Sincerely,



Joginder Singh
Customer Service Manager

ICICI Bank Limited





-----Original Message-----
From: Mahesh Shukla ([protected]@glenmarkpharma.com)
Date: Wednesday, January 30, 2008 11:51 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: FW: 'ICICILom=[protected]' ICICI Lombard Website - Email



Dear Sir,



As per mail from Mr. Jayraj Lokhande, Rs.6600/- amount premium was not deducted from my credit card account. But I have confirmed from ICICI bank customer care, that premium of Rs.6600/- deducted from my account on 12th January 2008. You can trace the record. Also after cancellation of my policy 4065/CCSM/01262465/00/001, 55% charges were deducted as a cancellation charges and only 2970/- was refunded to me by ICICI Lombard. If you check the cancellation confirmation call record of mine, your officer has committed that no cancellation charges will be deducted from you. Kindly look into the matter and suggest me what can I do now???????





Thanks & Regards

Mahesh R Shukla

Core Team Member ([protected])

Project - SMART


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

From: CustomerSupport [mailto:[protected]@icicilombard.com]
Sent: Monday, January 28, 2008 3:16 PM
To: Mahesh Shukla
Subject: RE:'ICICILom=[protected]' ICICI Lombard Website - Email



Dear Customer,





This is with reference to your mail,



We wish to inform you that your policy 4065/CCSM/01262465/00/001 was booked under the EMI option having net premium of Rs. 6600.00/- & the same was equated into 36 months of installments.



Further we wish to inform you that as per our records total policy premium was not deducted from your credit card.



If you need any further assistance, please feel free to write to us and we will be glad to assist you.



Assuring you of best our services, always



Warm Regards,



Jayraj Lokhande,



Customer Support Team



ICICI Lombard General Insurance Limited

Date : 25.01.2008



Dear Customer,



This is with reference to your mail,



We wish to inform you that your policy 4065/CCSM/01262465/00/001 was booked under the EMI option having net premium of Rs. 6600.00/- & the same was equated into 36 months of installments.



Further we wish to inform you that refund of Rs.2973/- has been processed on your credit card as per the policy terms & conditions.



If you need any further assistance, please feel free to write to us and we will be glad to assist you.



Assuring you of best our services, always



Warm Regards,



Jayraj Lokhande,



Customer Support Team



ICICI Lombard General Insurance Limited





Mon 2/4/2008 1:01 PM

Dear Customer,



This is with reference to your mail,





We wish to apprise you that for further please get in touch with the nearest ICICI Bank credit card division or write an e mail to [protected]@icicibank.com.





Further we wish to inform you that as per our records your policy 4065/CCSM/01262465/00/001 was booked under the EMI option having net premium of Rs. 6600.00/- & the same was equated into 36 months of installments.





Further we wish to inform you that as per our records total policy premium was not deducted from your credit card.



If you need any further assistance, please feel free to write to us and we will be glad to assist you.



Assuring you of best our services, always



Warm Regards,



Jayraj Lokhande,



Customer Support Team



ICICI Lombard General Insurance Limited























Thanks & Regards

Mahesh R Shukla

Core Team Member ([protected])

Project - SMART

sir,

ansari of the telemarketing dept has opened a policy in my name without my confirmation and an amt has been debit towards insurance without my knowldege as what policy it is and for what amount and the mode of payment yearly or monthly or quarterly etc.. spoke to customer support staff but they say will call back in five min but no response it is a offence and i dont want a policy and also charges to come to my credit card account.

asotha