[Resolved]  ICICI Lombard General Insurance Company Limited — Paid less amount for Cataract cashless operation

Address: Mumbai City, Maharashtra

I work in a Corporate IT Company called Syntel. My company had a tie up for Health Insurance with ICICI Lombard. Firstly ICICI lombard forces to take health Insurance for both father & mother. I enrolled for ICICI insurance by paying 20,000 rupees where my parents were covered. Since this is a corporate tie up there was one unique common policy for all employees. The policy stated that for Cataract operation a maximum of 20000 will be reimbursed under both cashless or after paying cash.

My fathers cataract was scheduled 1 week after i was moving to UK for long term. After i came here in UK i came to know that ICICI was paying only 16,000 of the cashless Cataract operation to be done in Fortis Hospital whose actual cost was 30000. Although the policy clearly stated max amount 20k will be paid they gave my parents only 16000. Since i am here in UK i cant call them. I had drop email to them last week but still no response.
My parents despite of calling ICICI people several times received no proper response with vague answers like its joint insurance both father & mother so cant give 20k.

Since the operation was scheduled for cashless they have to pay the burden of remaining 4000 extra apart from the 10,000 of operation cost. I have paid the premium amount of 20k. Though the policy clearly states 20k max amount payable they are not keeping to their word. Since it was a common policy redesigned for our corporate company i dint had its hard copy.If i was in India i could have sorted out. But from UK i cant do this easily.

Sachin K
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