Visitors Insurance

I had taken travel in surance for 180 days to USA at Rs 12000 premium While taking the policy.I was told that I can extend he cover beyond the period at a nominl price and I was shown a table which said aroun Rs 800 for even 15 days .But when I actually asked for extension just for 3 days well before expiry of policy,I was told that the premium is Rs 3100 even for one day.Inspite of my repeated contacts and requests they id not give any positive reply.Finally I had to do the renewal for the policy in the USA itsel,and the premium was just USD 11 ie Rs 500.This is amounting to cheating by Star health

Hi
I have done my travel insurance from Tata Aig for my malaysia travel but during the flight I lost my bag and after that I filed a claim of bag loss from Tata Aig then tata aig alloted me One staff Mr Nitin Gajre as a claim officer but I have'nt received any information from him.I mark so many request to customer care for call to me from Mr Nitin Gajre but no response for a month now I am fed up to chase with tata aig
They only make money to do a farud with customer on the name fake travel insurance policy they generate only revenue and make profit and doing a cheat with customer.

please take a necessary action regarding this.
- would be very helpful to you.

HAI,
FIRST OF ALL STRICTLY STRICTLY DONT PURCHASE THE TRAVEL INSURANCE FROM THIS COMPANY(MY SUGGESTION).
WHEN I STARTED FROM NEW DELHI INDIA I TOOK THE TRAVEL INSURANCE FROM ICICI LOMBARD FOR 500000 (FIVE LAKH DOLLARS) WITH 100 $ DEDUCTABLE AND ONE DAY I WAS ILL AND WENT TO HOSPITAL AND THERE THE DOCTORS PERFORMED MY TESTS AND SUGGESTED THE TREATMENT FOR IT AND NOW THEY ARE NOT PAYING FOR THOSE BILLS AND HOSPITAL IS SENDING ME THOSE BILLS AGAIN AND AGAIN WHICH IS A BIG PROBLEM AND SECONDLY I CALLED THEM TO RENEW MY POLICY (WHICH AS PER ICICI LOMBARD IS ALWYS POSSIBLE TO RENEW) THEY QUOTED THE PRICE, TOOK THE MONEY, AND AFTER FEW DAYS THEY SAID THAT THEY CANNOT RENEW THE POLICY BECAUSE I HAD SEEN THE DOCTOR AND THEY HAD CLAIMED THE MONEY FOR MY TESTS AND EVERYTHING FROM ICICI LOMBARD/ UNITED HEALTH CARE IN USA.
THIS IS REALLY A B'SHT AS THEY CHEATED ME AS I AM HERE WITH A TRAVEL INSURANCE FROM THEM AND AT USA I CANNOT GET THE NEW TRAVEL INSURANCE AS THE NEW COMPANY WILL NOT COVER MY PROBLEM WHICH HAS BEEN DIAGNOSED ONCE, AS THEY NEVER COVER PRE EXISTING DISEASE AND NOW I DONT KNOW WHAT SHOULD I DO WITHOUT THE HEALTH INSURANCE.
BUT BEFORE PURCHASING TRAVEL INSURANCE FROM ICICI LOMBARD THEY NEVER TOLD ME THAT THEY NEVER EXTEND THE POLICIES IF SOME BODY GOES TO SEE THE DOCTOR AND THE MEDICAL PEOPLE CLAIMS THE MONEY FOR THE TRATMENT FROM ICICI LOMBARD AND SECONDLY THEY TOOK THE MONEY FROM ME FOR THE EXTENSION OF MY POLICY AND AFTER TAKING THE MONEY THEY REFUSED TO EXTEND THE POLICY (MY MONEY IS STILL WITH ICICI LOMBARD) AND IF THESE COMPANIES DONT HAVE THE GUTS TO PAY THE BILLS OF THE MEDICAL PROBLEMS OF THEIR CUSTOMERS WHY THEY DO SUCH A BIG POLICIES FOR 5 LAC DOLLARS EQUALS TO 2.5 CRORES OF INDIAN RUPEES. BUT IT IS REALLY BAD AS THEY KNOW THAT THEIR CUSTOMER IS IN MEDICAL PROBLEM AND HE WILL AGAIN SEE THE DOCTOR AND THE DOCTOR WILL AGAIN CLAIM THE MONEY FROM THEM SO THEY FEEL BETTER NOT TO GIVE EXTENSION TO THOSE CUSTOMERS WHO CAN SEEK MEDICAL TREATMENT.
THE REP'S OF INSURANCE COMPANY ALSO TOLD ME TO GIVE THEM IN WRITTEN THAT I WILL NOT SEE THE DOCTORS AGAIN AND THEN THEY WILL RENEW MY INSURANCE.

I have bought travel insurance from Tata AIG for 5 people online from Tata AiG website on 23rd April 2010, they debited the whole amount from my card but never sent the policy to my email, when i called them i was told there is some problem going on with the pdf version, as my visa interview was on 24th april itself, i needed the policy in urgent but was never sent to me, inspite of calling there customer service more than 10 times i was not given any solution as well people working there was talking very rudly , i even sent the mail to there complaint department but no replies till yet, i want my full refund as i was never sent any policy by the company but no one is helping me regarding this..what should i do now..

Worst Possible Customer Service
ICICI Travel Insurance was one of the worst mistakes we have ever made.
Travel Insurance in upwards of $1,000 was purchased for parent’s trip from India to US.
The travel airline delayed the flight and delayed baggage on the trip over. I filed all claims for these covered expenses. Claims that total just a few hundred dollars. They were filed within 1 month. The emails were never received with the documents. I was told over the phone to send them in to the physical address. I packaged all paperwork, baggage tags, airline letter, passport information, etc and sent it all in. 1 month later I called them, they claimed they never received it. I emailed all paperwork in once again, which cannot be 1 email, it took over 6 emails to send in all paperwork due to small inbox capacity. They still never received it. I threatened to cancel the credit card payment. Suddenly they found the paperwork and were reviewing. Weeks pass, I contact them again on the situation. They say I need to submit more paperwork. The answer to all their questions were in the original documentations, which I pointed out and clarified to them. This went on many more weeks, I asked to cancel the insurance and give me a refund. No reply. I contacted the credit card company and asked them to look into the matter. They first sided with me, then after 3 months, ended up siding with them since it is a legitimate contract. However, I don’t understand since they have not fulfilled anything from their side! I never filed claims for medical expenses incurred nor for a delayed flight and delayed baggage on the return trip. This is a terrible company, with terrible customer service who just want your money with no regards to ever fulfill any claims or any checks. Their website claims that checks are sent within 7 days. I am well over 7 months.

Travel Insurance process is a mess I bought Icici lombord travel insurance for my mom while she was visiting states. I paid about 25k for prem which covers 6 months of her travel period. I was told that any cash less claim approvals will be done by 24 to 48 hours and they have a united healthcare group policy in the states that cover icici lombord customers Here is the messy part My mom got injury and she had to take treatment, we tried prescription medicine and x-ray now doctor want us to get MRI scan, I approached icici to get an approval. Every time I call them I get diff info from diff people, after a week I was asked to fill up a form and send some documents to start he process. I sent all of them on they same day . Gave them india doctor details to make sure that it's not a pre existing condition , and treating doctor details for any enquiries..it's been more than 2 weeks now, no progress. Worst part is when doctor off call then united health care guys with the policy no provides by icici, they r saying that they don't have info about the patient. I have been literally calling icici every night ( they work in india timings)and told them That UHC does not recognize my mom name. everybody that I talked to so far says that it will be done in24 hours.nothing happens so far Icici is royally cheating the customers. I can't even escalate this, the only sour e that have is to call their toll free number, but they always tell the same thing and they can't do anything about it apart from making a note of it.

If there is any documentation missing from my end which may delay the process I agree, but UHC does not even have my mom name in their system.

Its like we just have to pay the prem, but when we r in need they will not even consider ur call seriously

Want to sue these guys, but not sure how to proceed.

Any suggestions will be highly appreciated

Hi,
Please do not take Tata AIG health insurance. This is one of the worst insurance carrier I ever experienced. I took 4 months policy for my mother in law when she was visitng USA but because of family
emergency she has to return with in 2 months. I requested TATA to cancel policy since she returned back to India with in 2 months and requested to refund my premium. I provided all required paper work with in a week along with cancellation notice. Guess what Tata AIG took almost 7 months to return my premium adn that too after sending tons of emails. You always receive a default response that case is being process but NO help. I have waited for 7 months and finally I give up and thinking Tirupathi Temples donation.

Please never ever take policy with Tata AIG.

Thanks,Upen

Do not make the mistake of buying their travel policy as they do not fulfil any of the claims. It has been 4 months since my parents left to India and they have not reimbursed a single bill. My parents buy their platinum insurance policy & was assured that even if there is a pre existing condition, that they would get emergency treatment. My father fell sick here, was admitted to the hospital, got diagnosed with cancer & needed emergency life saving measures. Once he was stable, we sent him back to India within 3 months instead of the expected 6 months here. But now they are refusing to pay any of the bills ’cos according to some idiotic doctor my father had a pre existing lung condition which caused bone marrow cancer!! The heights of idiocy! Have been fighting with no results. They just dont care & Here I am being harassed by collections!

ICICI Lombard is the biggest fraud in Travel insurance sector, they will never refund if you fall ill abroad.- It was cashless policy but ICICI denied and told me to keep all the documents for reimbursement

later.

I paid INR 90,000 from my pocket to the Hospital in USA


Later after coming back to India, they made me run for three months to settle the claim and after four months they a send a letter that the claim is rejected.


Really pathetic fellows, with cheap money making habits, should be jailed. Email me to get more details if you are not convinced what I’m saying.. they are just making money out of selling ZERO services, paying back zero money to the claimants


Here are few more things I would like to add


1. Don’t be trapped by the ’’Key benefits’’ items listed on lombard site. The Actual Terms and Conditions are hidden in very small font link on their website, I can bet you can not find this Actual Terms and Policy ’’ in 1 hour.... You will only come to know when you face a problem and customer care will ask you to go thru it.... If you really want go thru their smart document - try to find ’’Policy wordings’’ on the page and it’s in Zip format.. http://www.icicilombard.com/Content/ilom -en/Downloads/PolicyWording/IndividualPol icywordings-new.zip


2. And once you go thru doc. you will realize that these clever fellows has designed the Terms & conditions in such a way that they will never have to pay a single Rupeee but you will surely loose in Lakhs. By any clever means they will bloat a simple fever/injury into a ridiculous joke and will tell that this is not covered due to so and so Condition.


3. They mention on their site ’’Cashless’’ - These "dirty fellows" do not have any local office in US/Canada. They will force you to pay money from your own pocket and make you suffer and deny any claim once your’e back in india.


4. These cheaters will steal or displace your original medical records, if you courier to their Mumbai head Office first make sure you take a scan/xerox before you courier all the original paper. You will loose money in International Calls / follow ups because they will ask more details and so on and finally after a year long chase will reject your claims

I would personally recommend Other good policies from US based companies from my past experience.

Good policy are costlier by 5-10 Rupees / Per day than lombard but you will not have to regret later.

I am looking to buy visitor's medical insurance for my parents who will be visiting from India.
I saw a lot of discussion about buying american insurance.
Does anybody have any first hand experience on claim payments done by american insurance companies

Are the payments done on the isured persons name or can be done to person paying the bills.

Thanks

Tarun