[Resolved]  Icici Lombard — insurance not covered for psychiatric treatment

Address:

Pune, Maharashtra

Respected forum,

I wanted to inform you that we have taken a insurance cover for icici lombard from lats 12 years with insurance charge of 50, 000 per year for my parents and in 12 years we have just claimed twice for medical treatment. Now my mother was hospitalized for psychiatric treatment and bill of hospital for 5 days was 54, 000 and we got a initial approval of 10, 000 and when we where taking the discharge the insurance company rejected the claim and told not an single amount will be paid as per clause.

My question is why did they provide the initial approval without mentioning that the bill may get rejected.

We have been taking the insurance cover from last 12 years and have paid 7 lack to icici for cover and cant they cover the hospitalization bill for 80, 000 approx.

They should have rejected the claim at first time itself but they said initial approval is done and now nothing has approved so we have paid the bill personally.

This a loss to us in spite of paying yearly insurance and it has caused us a lot of inconvenience who is responsible for this we who pay the insurance timely?