ICICI Prudential Life Insurance Complaints & Reviews

I got the Policy while I was in India. Being an NRI, I should have received the welcome kit via email from which my free-look time should have started. I emailed Prulife that I have not received it yet. I was told that it has been sent to the address in India,where I stayed for sometime while visiting India this March 2012. But anyway they sent me a e-copy which is just a receipt of payments etc.
I sent the cancellation request with all the documents within 15 days of my getting e-copy. They refused as they counted free-look from the time it was sent to India. I also filed with Grievance redressal officer but they refused to cancel. They told me that they also emailed me a copy. I never had that email account. I asked my relatives in India to look into the paper copy to see what email address was there. Found out that the agent had justed concocted the address. I asked them to scan and e-send me the whole application. That is where I found out that the signatures are not mine on the places for policy holders signatures. None of the details filled are in my hand .

What sort of legal help I can get in this case. Do I file with Consumer court , if yes, do I have to file in a special jurisdiction .

Or do I have to file with

Insurance Ombudsman (Panjab) ,
Shri K.M.Chadha
Office of the Insurance Ombudsman,
S.C.O. No.101-103,
2nd Floor, Batra Building.
Sector 17-D,
CHANDIGARH-160 017.
Tel.:[protected]
Fax :[protected]
Email [protected]@yahoo.co.in

I got an unsolicited call from someone posing to be an ICICI Prudential employee during the first week of July asking for problems if any exists with my Insurance policies, I wanted to avail a solution whereby all my existing policies are clubbed together which will help me in making unified payments as I am going to retire from my service in the year 2016, hence my call was diverted to Rajat Agarwal (Mo: [protected] “VODAFONE” and [protected]...

I want to surrender my Life stage Pension plan policy. I live in Dhar (M.P.). I purchased the policy through sales executive available at ICICI bank brach DHAR. Now I want to surrender above policy. I have approached the branch for getting policy Surrender form . But since last more than 15 days I am regularly being turned back without form for one or the other reasons.
I searched the form on company's website also but it was...

Dear Sir,

Myself Pradeep Singh Negi I had LIFETIMEGOLD POLICY NO. 12757466 & CRISIS COVER POLICY NO. 12759499 When the premium due date coming close, Mr.Shivam Tyagi([protected]) called me & said your both the policy premium due and the agent who starts your policy has left the job and the comission goes to agent comes to your account directly if you split the LIFETIME GOLD POLICY and get 2 New policies of Rs 15000 each[protected] &[protected] after 15-20 days Mr.Shivam called me again and said that your 2 New Policies rejected due to some documents issue so you have to pay Rs.32000 again for the policies [protected]&[protected] and paper document and said your rejected policy amount is refunded with interest at the end of November 2011, when i am not getting the refunded amount i called Mr. Shivam , then he said me that your file is in under process and your refunded amount will come to you at the end of December 2011, After that Mr Abhimanyu Rathore ([protected]) called me and said your life time gold policy is lapse and you have to pay the premium for that and i told him about my previous policies and also said abour mr. Shivam Tyagi he said he is my coleague and asked him about your refunded amount than Mr. Rathore said your refund amount come to your account at the end of Jan 2012, and told me to given Rs 27311.00 for the premium of lifetime gold policy, i given the cheque for the same, and he given me another policy no. 16291703 , and after 31 st jan i again called mr. Rathore for the refund amount and reniew of my lifetime gold policy then he said your file under process and mr shivam tyagi is in Mumbai head office for processing my file urgently, when after 25 th feb , when i am not get my refund amount and reniewed lifetime policy and called Mr. rathore and he was not picking my phone call, when i call him from another mobile number he pick the call and when i said i am Negi he disconnect the call, after that i understand they both making me fool , Than i give the complaint against both of them and also cancelling my last 5 policies, please help me in this matter. I am very dissatisfied with icici prudential really. I m already complained 3 to 4 times to the company but they always denied plz look into this matter,

NO help from ICICI
I have a policy general life insurance policy with ICICI Pru life...Policy no: 15617715 I am a regular payer. I wanted to speak to some one related to my account. whenever i dial their customer service no for any or every info i want they say it will be text ed to ur registered mobile no..MY REGISTERED MOBILE NO IS NO MORE WITH ME. I need to update my name my contact info my details like nominee on the account i am married no longer live on previous address... no one is helping me..I am feeling like withdrawing my services from them. I emailed them from my registered email address and their reply is my email is not registered with them.I have initial policy papers where in it says my registered email address is with them...

Services from them is awful. I am paying for something for which i am even not getting sufficient services..
[protected]

I
umesh kant cheetu take one prudential life insurance policy from ICICI
Agent.My policy no is 10145342.I diposit 30000rs at first time.After
that Ideposite 2500RS per month. Now I Deposit 90000Rs till2011.the
agent told us after 5 Years I got 1,50000.But now told me that this
policy is under share Market.that is going down and your amount is only
67000rs.Tell me now What can i do.I Purchase this policy from Ludhiana. The agent cheated me.
Thanks
Umesh kant cheetu Ludhiana.

From: Subramanyam.[protected]@relianceada.com
Date: Fri, 1 Jun 2012 12:37:56 +0530
Subject: termination of pension policy no.00086830
To: [protected]@iciciprulife.com
Cc: ravinder.[protected]@iciciprulife.com, mani.[protected]@gmail.com

Dear Sirs,

With reference to the above policy termination and surrender I wish to
inform you as under :

1. I have approached your local ICICI Pru Insurance co. office in Banjara
Hills, Hyd during 1st/ 2nd week of March''12. and enquired regarding
redemption of deferred pension RP policy no. 00086830 at customer care
/ front office desk.

2. I was informed by your customer care executive in the front office that
all the payments due on the policy for 10 years has been paid by me
and that I can either surrender the policy or opt for monthly pension
amount of around Rs. 3000/-. I was told that I will get a lumsum payment
of around Rs.115000/- if I do not wish to opt for monthly pension
payment.

3. I was told that I have to opt for whatever option before 31.03.2012
otherwise it will be converted into monthly pension payment type.

4. As per the policy the due date for last premium payment is 05.03.2014
and the vesting date is 5.03.2015

5.Here I find that I was not given proper communication and advice /
guidance on the benefits in continuing the policy upto the maturity date.

6. Since I did not want to have a monthly pension of a meager amount of
Rs. 3000/- p.m. I have opted for lump sum payment and accordingly
submitted the policy documents for redemption on the advice of your cc
executive and I was told that I will get a ECS credit to my Bank
account in 10 days time.

7. I did not get any retention call from your retention team explaining
the maturity benefits I would get if I continue and an amount of around
Rs. 115000/- was credited to my account after 10-12 days.

8. I have changed my residence during Sept'' 2012 and incidentally I have
traced out a letter dt. 23.09.2009 ( scanned copy sent here) and
noted the benefits explained therein which I would have got on
maturity. Surprisingly these details were not explained to me during my
interaction with your customer care executive at the time of my
submission of the policy for redemption either deliberately or the
executive
was not aware of the information.

9. Here there is gross negligence indifferent attitude on the part of the
executive in suppressing the facts and information about policy maturity
benefits and not briefing a long standing customer like me who is
also a privileged customer of ICICI Bank and who has been regularly
investing in various schemes of ICICI mutual funds and life policies.

10.Currently I am also holding the following additional policies for your
information:

1. Policy no. 03618692 Smart Kid- new unit linked RP - sum Assured
Rs. 250,000/-

2. Policy no. 11621713 Life stage pension Premium Rs. 25000/- p.a.

11. I have met Mr. K.Ravinder Kumar, customer Services Manager- Priority
Circle, ICICI Prudential Life Insuarance co. ltd., Hyderabad last
week of April''12 after I traced out the above letter ( copy enclosed
) and explained him all the above facts and he is also of the opinion that
I was wrongly informed.

12. I could not revert to you immediately on the subject and represent my
case as I was sick for about 10 days and was pre occupied with
my official tours later.

In the light of above now I request you to restore me the policy
continuation benefits as I was wrongly informed and coerced to submit my
policy for pre- mature surrender/ termination.

Iam not a fool or to miss the substantial benefits I would be
getting in case of maturity if properly explained during my visit to your
local offices and during the retention call which was not done at all. I
was not paid the guaranteed additions and bonus as explained in the letter
dt. 23.09.2009 which was misplaced and not noticed by me. This information
of guaranteed additions and bonus was also not disclosed to me during my
interaction with your CC executive.

Had I seen this letter before surrender of the policy I would have never
opted for the pre-mature surrender / redemption.

Iam sending herewith the scanned copies of the letter and my policy
document.

My mobile is registered with you as [protected].


I now humbly request you to restore me the benefits and the loss I have
incurred without my mistake and knowledge failing which I would have to
resort to necessary steps to get justice.

Pl. revert urgently on this.




Thanking you


Best Regards.

CA. K.Subramanyam

AGM & Business Commercial Head- AP
Reliance communications Ltd
5 th Floor, '' Reliance ADA House ''
Plot No. 38, Phase II , Hitech city
Madhapur
Hyderabad 500 019
Andhra Pradesh
Mobile : [protected]
LL:[protected]


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i have taken policy in iciciprudential life insurance.health saver 11163075. they foreclosed my policy now without my knowledge.then i paid as per there suggestion for three months and submitted pdr. after 15 days also no action is taken on my policy or i donot know whether my policy is active or not.

Dear Sir,
in the month of OCT'''11, I got a call from one agent name Sri Swapan Debnath, (Mobile no. [protected]) claiming to be from ICICI Prudential Life Insurance Co. Ltd, requesting for purchasing a policy of the company. As at that time I was looking for a Pension Policy from an Insurance company, I showed my interest and told him that I want to purchase a monthly premium policy of about rs.5000/- p.m. which would offer me a pension amount of Rs.10000/- after my retirement which is about 12 years hence. The Agent sent one of his representative and accordingly, I signed a form and paid Rs.30000/- by cheque as he said that first six month premia have to be paid for iitial registering. After that the agent intimated that if I do another policy of Rs.60000/- (yearly premium), the insurance company will offer me same beniift and an intensive of Rs.18000/-. He was repeatedly assuring me that he was from ICICI Prulife Insurance Co. and .all the conversations were duly recorded as per company policy and he cannot deny any such statement in future and the intensive will definitely be paid. Trusting his statement, i agreed to take another policy of yearly premium of rs.60000/- and my wife signed another form. After that, I got transferred to another town and I could not verify the policy documents when these were received by me wife. Meanwhile, my wife continued to make querries regarding intensive, but Sri debnath was repeatedly assuring that it will be given. After two/three months, when my wife inquired at the above mobile no., she was informed that it was official mobile number of the company and Sri Debnath was transferred to Cuttack. No intensive was paid to me as was assured by him. And now ICICI Prudential Co. is asking for rs. 90000/- as half yearly premium to be paid. They are claimimg that I had aplied for three policies and they are not responsible for the act of Sri Debnath., whereas me and my wife had signed only two application form. The insurance company is now advising me that otherwise the amount which I paid will be forfeited by them. I feel cheated and completely misguided by Sri Debnath. For ready reference, the policy numbers are: 16117621, 16117006, 16147706. I requested ICICI Prulife to refund my money after deducting their charges, but they are not aggreable to refund any amount, nor they want to help me in any manner. I want that, i) money which was paid by me should be refunded, I) i should be compensated by the amount that will be deducted by ICICI Prulife towards their charges, and .iii) censure by ICICI Prulife to the Netambit Insurance Broking Co. Ltd, to which Sri Debnath is working for misguiding a customer. thanking you, --Subhajit dey Sikder And jayashree Dhar Sikder. e-mail:- subhajit.d.[protected]@sbi.co.in.; Moible no. [protected]

sir
my name is saroj devi agrawal i have a policy in icici life insurance,my policy no. is 08472429.my policy matured last month but bank not given my matured checque.i also camplain in icici life insurance office.my UIN NO. IS 105L075V01.but they are not revert me and i donot got checque.in last one month they mentely and phically tourcher me.
so i kindelly request you to please solve my problem.i have much need for this money



saroj devi agrawal

I got a call from phone number [protected] identified themselves as from ICICI Prudential and they misbehaved and used slang words. what should I do? My cell no is [protected]

hi....
this is firdaus ,i went for interview in icici prudential vns branch for DM profile. bt i found ur hr who is hirring has is own criteria of hirring and salary slab of hirring mba marketing(fresher) .is this ur criteria of hirring sales person with 1.5 lac on d other other side others r hirring with 2.5 & also his behaviour is nt good

no information about nav & fund value till date.how much withdrawl policy and i know surrender charges

My dear sir,
i wants to change my correspondence address but no response came from your executive,i mean i live in new delhi baljeet nagar but your reciept i did not find ,so i am confuse how to get premium reciept and how to change address,so please help me my mobile no.[protected]

This is regarding the wrong information and misguide by ICICI PRUDENTIAL LIFE INSURANCE person/ whose adviser code is 00101087. Adviser contact no- [protected]. Last month from above company person whose name is Abhishekh call up to me by cell no- [protected] and ensure me to get back my money just after one year with ICICI Insurance with benefit of interest. But now I have informed by the company that I can not get back my money after one year. Now I am feeling harassed at this moment. The amount which is 36,000/- the amount which I paid to the above company.
Please help me to solve my problem and get back my money. The details of policy is-

ICICI Prudential Life Insurance My Name- Jaswant Singh
Plan- Guaranteed Savings Insurance Cell No- [protected] Plan. email- [protected]@yahoo.com
Policy no[protected]

I may give any detail if need,
Thanks and Regards
Jaswant Singh

"Respected Sir, PLEASE HELP ME OUT FROM BIG MISGUIDED BY ICICI PRUDENTIAL LIFE INSURANCE. Life assured : Dipankar Dutta. Proposer : Dipankar Dutta. Date : 31st March’2009. Application No. : 00641959. Receipt Number : 71165473. Policy Number : 11730546. UIN Number : 105L087V01. Plan Name : ICICI PRU HEALTH SAVER. Policy Status : In Force. Premium Amount : Rs. 10,000.00 Sir, I have Misguided by Agent as well as branch official of ICICI Pru Life Insurance, Branch Tinsukia (Assam) that after given 05 (Five) year continuously Premium I can withdraw my policy at any time. At the time of withdraw of policy I will get the full premium amount along with RGF (T4)$ highest NAV at that time i.e after (Five) year Completion . They also told me that I will get free check-up every after 02(Two) years of my Regular Premium. Till date I have not yet received any documents from ICICI for Free Health Check-up. Sir, I have visited Some Branch Head of ICICI Pru Life Insurance in Siliguri & Alipurduar (North Bengal), Guwahaty & Tinsukia (Assam) for my free check-up. As per them I can do my free Health check up at any of their Network Hospital or any other Hospital by expanding my own Money any they will revert me back after submission of Bills. I don’t know that how much I have to pay and what investigation I have to do according norms of this health policy. Sir, why should I pay my money for my Free Check-up as per Rule of this Policy? The ICICI should Pay and Look after for my Free Health Check-up. Sir, I totally fed up from this ICICI Health Policy. I don’t want any Free Health Check-up/ Health Insurance as well as Highest NAV/RGF from the above mentioned insurance. I just want my Premium amount back from ICICI Pru Life Insurance. Your kind co-operation in this regards to settle the poor young man will be highly appreciated please. Thanking you Sir, Dated: the 23th Feb’2012 Yours faithfully, Place : Cooch Behar (Dipankar Dutta) North Bengal Mob: [protected] . [protected]@yahoo.co.in

Icici Prudential Life Insurance company gives unclear / rosy while perusing for insurance but when policy is received that terms & conditions are all together different. Moreover the Mobile Nos.used when earlier are put off after sending the policies. and not this their branches also do not co-operate with excuse that these policies are not sold by us.

More over even after so many complaints company also don't bother to inquire in to the complaints.

I am Pratip kumar pal an advisor of icici prudential life insurence. My advisor code is 01006068. From December 2011 I cant get my commission cheque which were generated by the company. After visiting repeatedly my branch (15, G.C. Avenue kolkata) is not giving me my cheque and also dont allow me to meet branch manager to report this problem. My Unit Manager Bikas Mallick who is the authority to give me my cheque is demanding 25% commission against my chequesCustomer care also send me email that they are unable to help me out.
Where a reputed company is harassing his advisor then customer must be harassed with their investment.
In this situation I am helpless.
Please help me to get my cheques.

Thanks
Pratip kumar pal

HERE WITH I AM ATTACH ALL THE NECESSARY DOCUMENTS AND MY COMPLAIN LATTER ALSO



KINJAL K RAIYANI
[protected]
[protected]

Sir,
we purchased two save'n'protect policies no.14573723 &14583281 in the name of Smt.Kusum Mundhra & Mr.Narendra Kumar Mundhra of ICICI Pru.life insurance by paying Cheque of Rs.50,000/- for each policy in Oct.2010,after getting policies documents in March 2011 we came to know that terms&conditions mentioned in document were not matching to whatever was promised by the agent at time of selling these policies,after this my husband Mr.Narendra Kumaro did so many complaint on the web site of this company but they didn't resolve our grievances,so after that my husband registered a complaint to IRDA (Insurance regulatory development authority) no.[protected] on dt. 31-10-11, in redress to this complaint company agreed that these policies has been sold by doing fraud &cheating with us by the agent in the greed of his huge commissions which company pay to their agent to sell such type of policies which are not customer friendly & informed us that we will refund back paid premium amount back only for one policy out of these two other we have to continue for that we will send you new terms according to this we agreed & company refunded back only paid premium amount of Rs.50,000/- back for the policy no.14583281 of my husband & E-mailed terms & conditions for my policy which were the same as mentioned in documents after that I requested the company to refund my paid amount back with interest because I don't want to continue this policy any more nor I paid second due installment,but company refused to refund my paid amount back in spite of my complaint no.[protected] on dt.13-01-12 to IRDA. So sir you please direct the company to refund my paid amount back &in future don't sell such type of policy to other customer by doing false promises & miss informing.
Thanking you,
Yours,
Smt.Kusum Mundhra,
W/o-Dr.N.K.Mundhra,
H.N.-56B,Ward-26,Quilla Mohalla,
Bahadurgarh--124507
Distt.Jhajjar,Haryana.
Mob-[protected]
[protected]@yahoo.in