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ICICI Lomabard Travel insurance policy FRAUD
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!
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Biggest FRAUD ICICI LOMBARD
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.
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.
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visitors insurance
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
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
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a wonderful telephone experience [with Insubuy]
To whom it may concern:
I have just gotten off the telephone with an agent working for you; his name is Mr. Bobby C. These days it isn't often that I feel motivated to write and say great things about an agent with which I dealt over the phone..but Mr. Cole was wonderful. He was informed, low-key, very clear and easy to understand...his voice was pleasant and his attitude was helpful!
He is a native English speaker and this also helped us have a perfect transaction!
Thank you for hiring such good people and making it just that much easier to successfully handle business!
I have just gotten off the telephone with an agent working for you; his name is Mr. Bobby C. These days it isn't often that I feel motivated to write and say great things about an agent with which I dealt over the phone..but Mr. Cole was wonderful. He was informed, low-key, very clear and easy to understand...his voice was pleasant and his attitude was helpful!
He is a native English speaker and this also helped us have a perfect transaction!
Thank you for hiring such good people and making it just that much easier to successfully handle business!
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Excellent customer service from Micah
Dear Narendra,
I would like to bring to your notice the excellent customer service provided by Micah during a call at 9.30 p.m. ET today. Micah was courteous, helpful and efficient. I enjoyed my interaction with Micah and hope that this e-mail will enable you to provide Micah recognition for superior service.
Best regards,
Vivek
I would like to bring to your notice the excellent customer service provided by Micah during a call at 9.30 p.m. ET today. Micah was courteous, helpful and efficient. I enjoyed my interaction with Micah and hope that this e-mail will enable you to provide Micah recognition for superior service.
Best regards,
Vivek
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Would like send my thanks to Micah
Hi Narendra,
I wanted to drop a note to you personally to let you know how great Micah's customer service is. He was very professional, very patient and answered all my questions.
My Insurance buying experience from your company (Insubuy) was really amazing because of Micah. Please take a moment to pass this feedback to him and do reward him for the great service!!
I wanted to drop a note to you personally to let you know how great Micah's customer service is. He was very professional, very patient and answered all my questions.
My Insurance buying experience from your company (Insubuy) was really amazing because of Micah. Please take a moment to pass this feedback to him and do reward him for the great service!!
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Overseas Travel Insurance - Cheating and Fraudulent Transactions by ICICI
Reference to Policy number - 4030/W-369655/00/000 - I have taken an overseas travel policy in Chennai for a travel to US for 6 months. Based on the policy’s refund procedure, I am eligible for a refund of the unused portion (3+ months) because of my returning back to India.
I am a senior citizen, and I had to talk more than 6 times, and Email more than 8 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query.
I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide.
I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I am getting same responses on different dates from a customer service professional - Pankaj Chettri, that I have claimed an amount of Rs.300USD! (same as in his mail) If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed.
If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy.
Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)
I am a senior citizen, and I had to talk more than 6 times, and Email more than 8 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query.
I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide.
I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I am getting same responses on different dates from a customer service professional - Pankaj Chettri, that I have claimed an amount of Rs.300USD! (same as in his mail) If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed.
If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy.
Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)
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Visitors insurance experiences
I read India Abroad newpaper few months back. This gentleman from NJ bought ICICI LOmbard and came to US. He had a minor heartattack and the bill is around 110k. Now, he is still trying to get in touch with ICICI Lombard to get it reimbursed. As I said, no one is good but American insurance is better than Indian ones. In my parents case, in 2008 my dad had some severe health problems and had to be trated here and we had that from Patriot America. It was decent and enough coverage.
Just buy what works for you.
Just buy what works for you.
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Bad experience with ICICI Lombard Visitors Insurance
I have had a bad experience working with ICICI Lombard insurance. Issues i had with ICICI
1) They do not have any rates negotiated with US hospitals. I have seen when your insurance does not have a negotiated rate, an emergency room can cost upto $5000 vs a negotiated rate of $1000 (based on real experience). But there is a cap on how much ICICI will pay for each kind of service which means my out of pocket would have been quite a bit.
2) ICICI will not pay directly to the hospital. You will have to pay the bills directly to hospitals in the US. Take the bills to India where it will be further evaluated. You could potetially sit with thousands of dollars paid and in limbo. I do not have that kind of money to shell and wait
So my experience with indian insurance has been bad. I have not bought any insurance yet from US for my parents. But i am more inclined towards buying insurance in US even if i have to pay a little bit more.
1) They do not have any rates negotiated with US hospitals. I have seen when your insurance does not have a negotiated rate, an emergency room can cost upto $5000 vs a negotiated rate of $1000 (based on real experience). But there is a cap on how much ICICI will pay for each kind of service which means my out of pocket would have been quite a bit.
2) ICICI will not pay directly to the hospital. You will have to pay the bills directly to hospitals in the US. Take the bills to India where it will be further evaluated. You could potetially sit with thousands of dollars paid and in limbo. I do not have that kind of money to shell and wait
So my experience with indian insurance has been bad. I have not bought any insurance yet from US for my parents. But i am more inclined towards buying insurance in US even if i have to pay a little bit more.
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icici lombard overseas student medical - worst
I purchased ICICI overseas student medical insurance 2 years back when I was traveling to the USA for my higher education. My brother works for ICICI and that's what made me take the policy in the first place. He renewed it the first time. I renewed it the second time recently 1 month back. So here is the problem. Though I have paid for the policy I do not have a copy since their system shows an error. I have paid the money, shown proof of payment as amount debited from bank account, shown transaction record, printed receipts, customer interaction numbers and service/complaint requests, all to no avail. My brother, an emplyee has been unable to do anything fruitful either. Everybody blames it on everybody else. I was guaranteed results within 5 business days and it's been a month since I have paid and I am still uninsured. By the way I am bloody sure and have it confirmed that if something happens during this period, I can sue the company since I paid them but they didnt give me a copy of insurance policy. Well, their system apparently cannot generate it and produces an error. Bravo !!!
Bottomline - Stay away from ICICI Lombard student medical insurance, pay nearly same amount for local insurance policies in university.
Bottomline - Stay away from ICICI Lombard student medical insurance, pay nearly same amount for local insurance policies in university.
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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.
