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Experience with ICICI Lombard
This was my experience with ICICI-Lombard about 3 years ago. My father was admitted to the emergency. When i called ICICI-Lombard, they mentioned that we had to pay all the expenses to the hospital. Submit all the receipts to the ICICI-Lobard office in India (when you return). They will evaluate and let you know what can be reimbursed.
2 issues with this situation.
1) You need to pay the bills and hope insurance will reimburse.
2) ICICI-Lombard doesnot have any negotiated price for the services. As we all know if the insuarance company is not involved in the rates, the hospitals bill you 2-3 times higher.
General advice - Do not buy health insurance in your home country. Find a local agent and make sure the hospital can bill the insurance company direct and you pay only the deductables.
2 issues with this situation.
1) You need to pay the bills and hope insurance will reimburse.
2) ICICI-Lombard doesnot have any negotiated price for the services. As we all know if the insuarance company is not involved in the rates, the hospitals bill you 2-3 times higher.
General advice - Do not buy health insurance in your home country. Find a local agent and make sure the hospital can bill the insurance company direct and you pay only the deductables.
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Disclaimer: Please note that the experiences presented are submitted by visitors to our website. Individuals’ experiences may vary, and you should interpret each individual’s experience at your own risk. Do not make a decision solely based on an experience posted here. We do not endorse any individuals’ experiences, and we are not liable or responsible for consequences stemming from your use of the information presented within any individual’s experience.
