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Scam by ICICI Lombard Visitors Medical Insurance
I want to let everyone know about the scam(s) being run by most of the Medical Insurance Company's especially for parents holding Visitor Visa's.
My parents visited US 3 months back and I have done good amount of research and after inquiring about various plan details got medical insurance from ICICI.
My parents paid around $1400.00 for 6 months.
The policy's name it self mentions Cash Less claim policy meaning
no payments/approvals required at the time of service and their US tie up United Health Care would take care of all the charges.
Unfortunately, my father had developed Heart Symptoms and on the advise of a family Doctor living remotely had to contact ICICI for finding out about any specific group to be visited.
We were told that, I need to pay the consultation charges and if it is more than deductible of $100.00, need to file for Claim.
I was ready for that but asked about any diagnostic tests prescribed, they had suggested the same pay and claim policy.
I argued with them about policy details and the ICICI representative was suggesting the same.
Later, I was told to visit a Doctor and send them Prescription for tests so that they would pre-approval.
At this point , I was pretty sure nothing is going to work out with this policy and it is a scam.
But still sent them all the test details.
ICICI never responded even after 2 weeks and kept on dragging requesting the same documents over and over.
Most ridiculous part was they operate without a Toll Free number and every time we need to keep on updating every representative.
Thank god with advise from my family Doctor, I sent my parents within a week.
After reaching India, my father was undergoing tests and one day suddenly developed severe Heart stroke and was rushed to hospital and got operated.
He is safe and stable now and is recovering.
Meanwhile, ICICI did come back after 4 weeks with a pre-approval, with $ 800.00 limit.
They dont have any pre-negotiated rates with any hospital in USA.
I asked how about United Health Care tie up.
They answered that United Health Care is a payment agency for ICICI in USA.
To put Long story short
**** **** **** **** ***
Later, I came to know that most of my friends had same kind of issues with all the Insurance company's based out of India. So fellow immigrants beware of these Insurance Companies.
Iam filig a case in Consumer court and trying to take it to media attention back home.
Infact, even it is not immigration related issue, thought of sharing with all the immigrants
as most of us do face this kind of issues.
My parents visited US 3 months back and I have done good amount of research and after inquiring about various plan details got medical insurance from ICICI.
My parents paid around $1400.00 for 6 months.
The policy's name it self mentions Cash Less claim policy meaning
no payments/approvals required at the time of service and their US tie up United Health Care would take care of all the charges.
Unfortunately, my father had developed Heart Symptoms and on the advise of a family Doctor living remotely had to contact ICICI for finding out about any specific group to be visited.
We were told that, I need to pay the consultation charges and if it is more than deductible of $100.00, need to file for Claim.
I was ready for that but asked about any diagnostic tests prescribed, they had suggested the same pay and claim policy.
I argued with them about policy details and the ICICI representative was suggesting the same.
Later, I was told to visit a Doctor and send them Prescription for tests so that they would pre-approval.
At this point , I was pretty sure nothing is going to work out with this policy and it is a scam.
But still sent them all the test details.
ICICI never responded even after 2 weeks and kept on dragging requesting the same documents over and over.
Most ridiculous part was they operate without a Toll Free number and every time we need to keep on updating every representative.
Thank god with advise from my family Doctor, I sent my parents within a week.
After reaching India, my father was undergoing tests and one day suddenly developed severe Heart stroke and was rushed to hospital and got operated.
He is safe and stable now and is recovering.
Meanwhile, ICICI did come back after 4 weeks with a pre-approval, with $ 800.00 limit.
They dont have any pre-negotiated rates with any hospital in USA.
I asked how about United Health Care tie up.
They answered that United Health Care is a payment agency for ICICI in USA.
To put Long story short
**** **** **** **** ***
Later, I came to know that most of my friends had same kind of issues with all the Insurance company's based out of India. So fellow immigrants beware of these Insurance Companies.
Iam filig a case in Consumer court and trying to take it to media attention back home.
Infact, even it is not immigration related issue, thought of sharing with all the immigrants
as most of us do face this kind of issues.
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