Dear All,
This message is for your awareness, and for your information.
I had quite a good number of policies from ICICI General Insurance, since the policies were available online, and it appeared to be cheap, but it had become literally a stamped document worth nothing, and you will have to never get any reimbursements unless you go for a court case / ombudsman.
Let me explain 2 incidences …
One of the policies, 4034I/FFH/W-053939/03/000, taken on behalf of my sister in the year and there are absolutely zero claims till 2010 december. She had a backpain and had visited a network hospital of ICICI Lombard, Soundarypandian Bone and Joint Speciality Hospital.
The events with the timelines are listed below with time lines
25/10: Informed ICICI Lombard on 25/10 regarding Treatment, and we were advised to take claims after paying by cash, so that the treatment can be availed faster
29/10: Date of discharge: 29/10 Bill amount 24, 000/INR approx
30/10: Informed ICICI Lombard callcenter about patient discharge and requested claimforms, NO claimforms arrived for a week.
07/11: Patient sought the help of internet and downloaded a claim form, and claimforms submitted through courier since no direct delivery address available, no receipt received. Claim Number : 220100133379
18/11: Documents received by ICICI Lombard, Hyderabad center, Inward receipt Number CL-000597345
08/12: (21st days, As per policy all claims to be settled within 21 days) A query was raised, asking for ORGINAL CONSULTATION PAPERS AND ORGINAL INVESTGATION REPORTS. In reality all document were submitted
27/12: Collected the orginal Handwritten Consultatation from the doctors secetary, and submiited to ICICI-Lombard.
04/01: ICICI lomard received the queried content alongwith reply vide Inward Claim CL-000597345-1
15/01: Called ICICI Lomard and asked for details: Answer Still Under Process.
17/01: Case escalated by self to next higher level internally. Agreed to provide a resolution within 10 days and settlement within 21 days.
19/02: No resolution Yet, UNDER PROCESS: Approached Ombudsman with details.
Do you want to be left in the dark when in need ………. Please stay away from ICICI Lombard ……
Again for motor claims, ICICI will exclude Un-named passenger in the first year to show the premium less, but once you are with them they will load you with additional premiums which are not required …... Customer, Friends …. Stay away ICICI ………..
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