[Resolved]  Icici Lombard — regarding the health check up coupon

Address:	110037
Website:	www.icicilombard.com

Dear all
Greeting of the day!!!

We are sorry to say that we are not satisfied with the service of lombard insurance company. Our concern is not for claim our concern regarding the information which was shared with us at the time of selling, mail exchanged with us and the information is available on we page are entirely differ. We are really feel that we are big fool
So we trust on the words of the lombard representative, when we buy the policy it was informed to us that the path facility will provide near by house. No a grade hospital or b grade hospital. You can check in web page that no where mentioned a or b grade for pathology. Please refer the mail of dharmavaram siddiq (Customer relationship manager) he informed to us the in a grade hospital such facility is not available.

Last year we did not use the complementary coupon this year we want to use so we approached to lombard representative, when they ask the are, we suggest the hospital nearby house in which the pathology facility is available.

They informed to us in writing that in a grade hospital they will not provide. Dear sir/ mamdm, our question is that why not informed to us earlier that we will not provide the facility in b grade hospital. We have all the mail exchanged and recording conversation which can prove that how the insurance company make a fool the common man.
Sir, we are sorry to say that please change your slogan of icici lombard "vada nibhaya" false commitment fulfill.

For example: if we buy some product from market and some items are free with the product, the same time we can judge the free item quality before purchasing and after that this is solely buyer discretion that he want to buy or not, but here is different story, at the time of selling no where is mentioned. A grade or b grade, when we buy then informed that a or b. If we ask the claim, then say simply refund the premium amount, why only premium amount, why not interest on said amount, why the compensation for mental harassment. Because there is no value of the common person. If we say something they simply say we refund the premium amount. Is this enough for us? We dont want to cancelled or refund the amount we want the fair business ethics or commitment not false.

Further, i have not purchase the policy for surrender or refund but such type of non committeemen is not acceptable to us, how we trust on your words, our experience with your representative is very horrible some example are:

1. Some days ago i require to use the policy, my spouse has face the minor crack to toe, i call the representative (Ms jarin @ 4-5 pm), is this cover in medical insurance? She simply state that no., neither she suggest me that sir amount can be reimbursed on submission of the bills as per policy terms.

2 in same day in the night again i have make a call then representative suggest me that sir this amount can be reimbursed to u.
Now which statement is correct. You have also the recording of the conversation, we have also the same.
Please tell me which statement is correct.

3 other example:- last two or three days back when i ask to the representative that i want to use the complementary coupon,, she told me that on sunday or public holiday it is not possible.
Why this is not communicate to us when we buy this product. We are salaried person and we have the off on sunday or in public holiday.

Sir, we have really fade up with discuses with your representative. They are always ready with half information.

Finally, if the company want to refund the amount of the following policy we are ready for the same but please refund including our last year premium + menatl harassment which we face in last some days,

The ploicy details:-

4128i/ihpr/[protected]/00/000 (Old policy no. This has renewal this year)
4128i/ihpr/[protected]/00/000 (Old policy no. This has renewal this year)

We are looking forward the fair judgment from your ends

Thx & rgds
Pankaj kumar