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Never Indulge with ICICILombard
I would like to respond to an earlier review. ICIClombard is full of idiots and cheats. Please do not ever buy a travelers policy from them. I tried to renew a policy for my in-laws and was given the run-around for 10 days. There is complete disconnection between every customer support agent. I do no believe they exist in this day and age, but function probably in the stone age--I presume they do not have any paper or pen either--maybe they do not have qualified literate agents--I hope, I am wrong. I have repeated the same story 1000 times to every agent I have communicated with. Finally, I called to ask for refund and was stunned by their response, "Sir, how did you pay for your policy." And this was from their refund department. I had an extreme urge to say, "gold." I did win in claiming my money back after threatening to file a complaint with my credit card. I pray that I do not receive my funds in sheep and goats.....
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Commission Holds ICICI Lombard General Insurance, Two Others Liable for Deficiency in Service
The Consumer Disputes Redressal Commission, Gujarat State, dismissed the appeal against the order of the
Ahmedabad City Forum, holding Healthcops ICICI Lombard General Insurance Limited, Mumbai, ICICI Lombard General Insurance Limited, and ICICI Bank liable for deficiency in service in a complaint filed by Consumer Education and Research Society (CERS), Ahmedabad, and Deepak Khatwani, a customer of ICICI Bank.
The Forum, by its award dated 30 December 2011, had directed ICICI Lombard General Insurance Limited to credit to Khatwani’s savings bank account Rs. 19,049.08 within two months from the date of the order. The company should also pay him 7 per cent interest on the amount from the date of its debit from his SB account to its credit to that account. The company shall also refund to him Rs. 2,210, illegally recovered from him, with 7 per cent interest from the date of recovery until payment.
The Forum had also directed Healthcops ICICI Lombard General Insurance Company Ltd., Mumbai, and ICICI Bank Ltd. Credit Card Division, Ahmedabad, to pay Khatwani, jointly and severally, Rs. 2,000 each for mental agony, i.e. a total of Rs. 6,000 by the three opposite parties, and Rs. 2,000 towards cost.
The complainants’ case was that ICICI Bank, Ahmedabad, had issued a credit card to Khatwani in February 2005. He used it occasionally, made regular payments and there had been no complaints up to February 2007.
On 16 February 2007, Khatwani was telephonically informed that, he being “a valuable ICICI credit card holder, ICICI Lombard General Insurance Co. Ltd. was offering him, through the bank, a healthcare policy free for two years, after which it would be chargeable. He accepted the offer and received a health policy from Healthcops ICICI Lombard General Insurance. The policy mentioned, among other things, the sum insured as Rs. 3,00,000 and the period of insurance from 22 February 2007 to 21 February 2008.
But, contrary to the terms of the offer of two years’ free policy, Khatwani received an ICICI Credit Card statement dated 21 May 2007 from ICICI Bank Ltd. showing the total amount due as Rs. 2,728.55 and reflecting EMI interest, EMI principal, service tax, late payment fee, etc.
Khatwani wrote to Healthcops ICICI Lombard General Insurance Co. Ltd. and ICICI Bank, requesting them to confirm that the policy was free for two years, clear his credit card bills or else cancel his health policy, and to clear his credit card dues. Subsequent to the request, the company cancelled the policy.
What followed this letter was a seemingly unending repetition of the opposite parties’ sending monthly statements and Khatwani receiving and protesting them, as the “dues” mounted, inclusive of late payment fees, interest, etc.

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Will insurance civer this or not
Hi everyone. Thanks in advance for helping me out. My mom has low immunity because of medication taken for preexisting conditions. However she does not have any illness right now. She is planning to visit me in November and I need to know what insurance o buy. Also if she gets like(like cold or flu) during her stay then will the insurance cover that? Also will insurance cover accidents like if she falls down?
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Insubuy/Atlas America

I am writing this review to share my recent excellent experience with Specifically, Mr. Narendra Khatri (the owner of Insubuy) provided outstanding service and assistance in resolving my father’s medical claims with Atlas America during his visit earlier this year. See the details below.

I have been purchasing visitors insurance for my parents as well as mother-in-law from (formerly for several years now. Because my risk tolerance level is low in such matters, I have been always purchasing U.S. based comprehensive plans (such as Atlas America offered by HCCMIS or Patriot America/Patriot Platinum America) that participate in cashless PPO network.

Both HCCMIS Atlas America as IMG Patriot America/Platinum America plans do pay the claims, however, it is important to be organized and methodical to get the claims paid. First, unlike the typical employment-based health plans (such as Cigna or Aetna) that we all have in the U.S., all of the visitor insurance plans typically take much longer (several months) to settle the claims. The key is to (a) visit an in-network PPO provider so that you can avail of direct billing and cashless transaction, (b) try to use to the extent you can large medical groups / providers that maintain electronic health records; (c) file claimants statement along with supporting documentation (such as copy of passport, visa, I-94) even if the provider is billing directly to the insurance; (d) pre-emptively fax or mail the complete electronic medical records for the dates of service to the insurance (HCCMIS or IMG) because that is usually the source of delay; (The insurance invariably requests medical records from providers and if the providers do not timely furnish such records, the claim process gets delayed by months.) (e) always communicate by Fax or e-mail (not phone) so that you have a record.

My experience has been that even if you diligently do all of the above, there is still a delay in processing the claims. My most recent experience has been with HCCMIS Atlas America. My father was insured under this plan (with a low $250 deductible and a high coverage - $500K I believe). The beauty of this plan is that the plan pays 100% if you stay in-network and provider bills HCCMIS directly (you need to mention the PPO name, not HCCMIS). In any event, my father had to be rushed to the urgent care of a large medical center here in NJ and then hospitalized for a night at a hospital for sudden GI issues back in February 2013. He underwent endoscopy etc. at the hospitalization, received follow-up specialist care after discharge, and thankfully everything went well. Because we were in-network, everything was cashless. My father recovered and returned to India in March. His medical bills were significant (around $20K). Although HCCMIS didn’t deny any of the bills, all of the bills were in pending status several months later. My wife and I were not making much headway.

That is when I decided to take a chance and send an e-mail to Narendra Khatri at the generic Insubuy e-mail address. I will be candid that I didn’t expect a response from him especially since Insubuy is an online broker. However, I was pleasantly surprised when I got an almost immediate response from Narendra from his personal e-mail address. He called me as well to assure me that he will do everything in his power to assist me in this matter and facilitate the processing of the bills. He was true to his word. The first set of claims were processed and paid at 100% (after a $250 deductible) shortly thereafter. I recently received word from him that the last set of claims including a large hospital bill (more than $10K) was paid. In short, after his intervention, HCCMIS paid all of the claims with zero patient responsibility as per the contract.

I can contrast this experience with my considerable problems last year in getting my mother-in-law’s emergency room claims paid by IMG/Platinum America when I had bought it from another website that incessantly advertises on TV. To be fair, I never contacted that website because I didn’t know who to contact. Although IMG did eventually pay all of the bills at the contractual rate at 100% (after deductible), it initially had denied the bills ostensibly because it didn’t receive her medical records (which was not true), and approved the claims only after I lodged a formal appeal of their denial. It was pretty swift after filing the appeal – the key is perseverance.

In short, I highly recommend purchasing (1) U.S. based comprehensive visitors insurance plan so that you can avail cashless PPO; and (2) and purchasing it from a reputable broker such as Narendra Khatri of (Before I start getting innuendos, let me make it clear that I am no relation or social friend of Mr. Khatri. He is just an excellent professional.).
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Insurance for Parents

My parents (66 & 71 yrs) came here in US last month but I couldn't purchase the insurance due to some reasons. Now, I want to know if I can purchase Inbound USA insurance from or not?

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Atlas America from Insubuy
I would recommend ths plan especially for elderly > 60 years of age.
I had this plan for my in-laws in 2010 and luckly we havent used it. So we took the same plan for my mother in 2012 May.
Unfortunately, the day after she anded she had a knee fracture.
So we had to go to prompt care first, then was referred to an orthopedic and for MRI, Xrays etc.. And after the treatment for physcal therapy..
So we had $500 deductible and most of it was covered well espeially the MRI which we ended up paying around 700 or so..
Physical terapy was not covered by the insurance. Only $50 was paid and rest all We had to pay Which was around $250 just for one sitting of therapy.

So, overall compared to other plans, We had good experience from Atlas America nsurance from insubuy.

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Amazing the nerve they have when they contact you by caring, asking about your particular problem be it medical emergency yours or a loved one. Then the real ALLIANZ comes out to play, mind games, invasion of privacy asking for medical records that have nothing to do with a claim. Medical records such as GYN exams, does this have any bearings for a claim for food poisoning? NONE yet they want for you to give up the claim so much, that they will use any resource to embarrass you or a loved one. I guess if I had a death in the family I would have to carry the corpse and they would have to perform an autopsy to determine if the person was SICK BEFORE you bought the insurance, and of course it would be denied. Save yourself the aggravation and let's all unite and bring a law suit class A on behalf of all of us that have been impacted by their lack of scruples and BAD FAITH.
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Allianz Global is a Scam to Part You From Your Money
I had a situation arise where I needed to postpone a flight well within the time allotted for cancellations. I was required to attend legal prep sessions prior to giving court testimony. Allianz does not "honor" that kind of commitment. In fact, Allianz and the word "honor" don't belong in the same sentence. Like product warranties and utility company 'parts and labor plans' the business model is designed to part you from your money and give you nothing in return. I strongly dissuade any future customer from being fooled into purchasing travel insurance with them. Allianz is a scam perpetuating fraud on customers.
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Never bur insurance from ICICI LOMBARD. This is just a big scam. We had an emergency and went to hospital for my mom. When the staff tried to confirm the policy, there was no information about my policy with United Health Care. When i spoke to ICICI, they told me that I first need to submit a claim with ICICI LOMBARD then they will send the information to United Health Care which might take upto 24 hours. And I was asked to pay $500 which is the Counter fees for the Hospital.

I dont understnad one thing, if there is emergency will they wait for 24 Hours for ICICI to get the claims and process initiated with United Healthcare.
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I called Allianz BEFORE making any claims to ensure that I did exactly what they directed - they agreed that I would be covered, and they still rejected my claim. DO NOT USE ALLIANZ. Read on for full details.

I believe that Allianz's claims department acted in bad faith and that their behavior was unfair and bordering on being unethical coming at such a delicate time for me and my family following my mother's passing.

In early June, I learned that my mother (who lives in London, UK) had Leukemia. The good news was that she was responding well to treatment and her doctors told us that with regular treatment she could expect many months with good quality of life.

On June 20th, 2012, I booked flights via Orbitz for my wife and two children to fly from Boston to London to visit my parents. The trip was booked for July 2nd returning on 17th July. I purchased travel insurance from Allianz. The total price of the travel plus insurance was $2711.61.

Unfortunately, on June 26th, my mother fell down at home and needed to be hospitalized. BEFORE changing my family’s travel arrangements, I called Allianz (this would have been either on the evening of June 26th or the morning of June 27th) to confirm that my insurance covered us to change the tickets from 2 weeks to one week (returning on 10th July instead of the 17th) as my mother was now unable to spend two active weeks with her grandchildren.

I was told that I was covered. Specifically the Allianz representative (who was helpful and sympathetic) directed me to page 5 of the Allianz insurance terms (Trip Cancellation or Trip Interruption):

A family member who isn’t traveling with you is seriously ill or injured.

Specific requirement: The injury, illness or medical condition must be considered life threatening, require hospitalization, or he or she must require your care.

I was advised to purchase the new tickets, then cancel the old ones, which I did.

I filed the insurance claim on 29th June 2012.

The following occurred AFTER my claim was submitted but is relevant as it demonstrates how Allianz's claims department treated me.

While my family was in London, they reported that my mother was back home and doing well. I then booked return flights to London from July 11th to August 8th to coincide with my family’s return to Boston. I planned on visiting my parents for an extended period (so I could also enjoy the Olympics).

Two days after I arrived in London, on July 14th, my mother had a serious setback and she decided she no longer wished to continue with her treatment. Her doctor told us that the consequence of her decision was that she would now only have a maximum of a few weeks to live, rather than months. My mother’s decline was unfortunately quite rapid and on 17th July she passed away.

I called Allianz on 19th July to inquire about the progress of my claim (I had not received a reply to my email or online claim of 29th June). I was told that my claim had been rejected due to “existing medical conditions”. I was shocked and asked to speak to a senior claims supervisor and was connected to one. I explained my situation in detail and the supervisor sounded sympathetic and promised to follow up within 24 hours, which he did.

When the supervisor called me back, he started by stating that he had listened to the recordings of my phone calls to Allianz and that consequently, he had an apology to make. The supervisor apologized that Allianz had incorrectly declined my claim on the basis of "existing medical conditions". HOWEVER, he then went on to say that he was REJECTING MY CLAIM FOR A DIFFERENT REASON! I was literally speechless - I thought that I had misheard him. He said he was rejecting my claim under the clause “any problem or event that could have reasonably been foreseen or expected when you purchased your plan”

To be clear, there was no way that I or my family could have reasonably known more than my mother’s doctors. Furthermore, as I was speaking to the supervisor AFTER my mother passed away, his assumption that mother’s decline was foreseeable was obviously tainted. My mother was NOT declining when we purchased the travel and the insurance, nor was it reasonable or foreseeable that she would decline during that period.
I was (and still am) deeply upset and insulted that the supervisor assumed I had more insight into my mother's condition than her doctor. When I reminded him that the recordings he had of my calls to Allianz support that my cover was confirmed and that I was advised to cancel the tickets, he said I’d have to subpoena Allianz if I wanted to prove that point. His attitude (especially considering that I was grieving the loss of my mother) was in my opinion, smug and unfair.

If this is how Allianz treats a serious claim, is it a company you could trust?
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