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Regarding dis allowance of claim by M/S icic lombard insurance co ltd, insured may note that if his policy basic one, there are sub limits for room rent, doctors consultation, ward charges etc, he may check with insurer, since premium of basic one is very low, benefits also low.however insured may insist the insurer to furnish itemwise claim details in writing, if it is not according to T&Cs of policy, he may insist insurer to settle the claim as per policy conditions & specific reason for partial repudiation of claim in writing, if insurers response is not satisfactory or no response, he may approach insurance ombudsman against partial repudiation of claim by the insurer
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103, 1st Floor, Virash Tower, Midas Building, Bhau Daji Road, Sion, Mumbai, Maharashtra, India - 400022
Ashok P Shah
F 103 smaran apartment,
Bakericity, Vejalpur
Ahmedabad 380051.