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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.
All Replies (0)
Ok experience with Bajaj Allianz
Contrary to most of the posts on this forum, we had an ok experience with Bajaj Allianz. We did not have a major hospitalization claim, but the amount was around 800-900$, which was reimbursed after deductible. Our Agent in India did follow up, so a good Agent is helpful even in India.
All Replies (0)
Kindly suggest a Healthcare Insurance plan
Narendra,
Please suggest a Healthcare Insurance plan which will suit my requirements as stated below:
Members to be insured:
Self - 29 years
Spouse - 25 years
Child - 2 years.
None of us have any medical history. I am looking for a coverage of $50000 with a $250 deductible.
Thanks in advance,
Salil Behara.
Please suggest a Healthcare Insurance plan which will suit my requirements as stated below:
Members to be insured:
Self - 29 years
Spouse - 25 years
Child - 2 years.
None of us have any medical history. I am looking for a coverage of $50000 with a $250 deductible.
Thanks in advance,
Salil Behara.
All Replies (1)
Claim hassle by ICICI Lombard
I had taken oversees travel insurance plan for my parents till Sep 2009. During their visit my father had consulted a doctor for some minor injury here in US and paid $250 as office visit. As per thr policy my office visit deductible was $100 but when I applied for reimbursement of $150 upon their landing in India with all proof, they are not ready to give me back my money with all sort of non-sence reasons. So I never recommend anybody to take ICICI lombard in future.
Thanks,
Mukesh Agrawal
Thanks,
Mukesh Agrawal
All Replies (0)
Atlas America V/s Patriot America
Hello Narendra,
First of all let me compliment you and your staff for an excellent and very informative site that you have.
My parents arrived in the USA last week and I am looking for a good comprehensive insurance plan for them. They are aged 56 & 55 years respectively and would be here for the next 5 and half months. My mother is diabetic and my dad has a mild case of high blood pressure. Both have brought sufficient supply of insulin/medicines with them.
I did some research on the visitor’s insurance plan in the last couple of days and have narrowed down to Atlas America and Patriot America. Though their premiums are almost the same and they have the same First Health PPO network, I am leaning more towards Atlas America because of its co-insurance waiver for in-network facilities and limited coverage of acute onset of pre-existing conditions. On the other hand Patriot America covers 90 day supply of prescription drugs as opposed to 60 days Atlas America and also has a RX discount card. Everything else seems to be the same for these two.
We are in Florida and I am looking at $100,000 coverage for both with $500 deductable. I would like your opinion on which would be the better option out of the two for us.
Thanks!
NS
First of all let me compliment you and your staff for an excellent and very informative site that you have.
My parents arrived in the USA last week and I am looking for a good comprehensive insurance plan for them. They are aged 56 & 55 years respectively and would be here for the next 5 and half months. My mother is diabetic and my dad has a mild case of high blood pressure. Both have brought sufficient supply of insulin/medicines with them.
I did some research on the visitor’s insurance plan in the last couple of days and have narrowed down to Atlas America and Patriot America. Though their premiums are almost the same and they have the same First Health PPO network, I am leaning more towards Atlas America because of its co-insurance waiver for in-network facilities and limited coverage of acute onset of pre-existing conditions. On the other hand Patriot America covers 90 day supply of prescription drugs as opposed to 60 days Atlas America and also has a RX discount card. Everything else seems to be the same for these two.
We are in Florida and I am looking at $100,000 coverage for both with $500 deductable. I would like your opinion on which would be the better option out of the two for us.
Thanks!
NS
All Replies (1)
Atlas america
Narendra:
Planning to buy a visitor insurance for my father.
I can take care of minor expenses upto $1000 out of pocket. Would like to cover myself for major expenses though - pre-existing (upto limits that insurance supports) or none pre-existing. So narrowed down to Atlas America - policy max of $100K - deductible of $1000.
Lets take a case where he unexpectedly gets hospitalized (in-network) and incurs say $40,000 bill of which PPO negotitated rate is $32000.
If it is a pre-existing illness and it is an acute onset, Atlas would cover $15k and I would pay (or negotiate with the hospital) for the remaining $17k, correct?
If it is not pre-existing, Atlas would pay the entire $32k correct?
If it is pre-existing and no acute, then I would be responsible for $32k?
Thanks
Planning to buy a visitor insurance for my father.
I can take care of minor expenses upto $1000 out of pocket. Would like to cover myself for major expenses though - pre-existing (upto limits that insurance supports) or none pre-existing. So narrowed down to Atlas America - policy max of $100K - deductible of $1000.
Lets take a case where he unexpectedly gets hospitalized (in-network) and incurs say $40,000 bill of which PPO negotitated rate is $32000.
If it is a pre-existing illness and it is an acute onset, Atlas would cover $15k and I would pay (or negotiate with the hospital) for the remaining $17k, correct?
If it is not pre-existing, Atlas would pay the entire $32k correct?
If it is pre-existing and no acute, then I would be responsible for $32k?
Thanks
All Replies (3)
Don't take ICICI Lombard Insurance
Hi,
I had taken oversees travel insurance plan for my parents till Sep 2009. During their visit my father had consulted a doctor for some minor injury here in US and paid $250 as office visit. As per thr policy my office visit deductible was $100 but when I applied for reimbursement of $150 upon their landing in India with all proof, they are not ready to give me back my money with all sort of non-sence reasons. So I never recommend anybody to take ICICI lombard in future.
Thanks,
Mukesh Agrawal
I had taken oversees travel insurance plan for my parents till Sep 2009. During their visit my father had consulted a doctor for some minor injury here in US and paid $250 as office visit. As per thr policy my office visit deductible was $100 but when I applied for reimbursement of $150 upon their landing in India with all proof, they are not ready to give me back my money with all sort of non-sence reasons. So I never recommend anybody to take ICICI lombard in future.
Thanks,
Mukesh Agrawal
All Replies (0)
Problem with Tata AIG travel insurance refund
I took a travel insurance policy number FE861869 on 4th Sept 2009 for my trip to Canada which was for 13 days from 14 Sept 2009 to 26 Sept 2009.
This was taken through Birla Insurance Advisory & Broking Services Lts, New Delhi
Due to unavoidable circumstances my journey was cancelled and the same was informed to the agency.
Thereafter I was told to send the copies of my passport. I sent copies of the first two and last two pages of my passport as well as the one on which the Canada Visa had been stamped.
I have not yet received the refund and am now being told to submit copies of all the pages of my passport including the blank ones.
This is highly objectionable as it breaches my privacy. The said policy has no relevance with my other travels nor with the blank pages. I have been travelling frequently and taking policies from various companies. This is the first time that such a thing is being asked for.
It is not expected from a company of Tata's stature to resort to such tricks to delay refund.
This was taken through Birla Insurance Advisory & Broking Services Lts, New Delhi
Due to unavoidable circumstances my journey was cancelled and the same was informed to the agency.
Thereafter I was told to send the copies of my passport. I sent copies of the first two and last two pages of my passport as well as the one on which the Canada Visa had been stamped.
I have not yet received the refund and am now being told to submit copies of all the pages of my passport including the blank ones.
This is highly objectionable as it breaches my privacy. The said policy has no relevance with my other travels nor with the blank pages. I have been travelling frequently and taking policies from various companies. This is the first time that such a thing is being asked for.
It is not expected from a company of Tata's stature to resort to such tricks to delay refund.
All Replies (0)
Insurance for my parents
Hi Narendra,
My parents are visiting to US in few days for about 6 months. I live in Boston, what kind of insurance I should take for them. What is the meaning of deductions here. I have no clue, please guide me.
thanks.
My parents are visiting to US in few days for about 6 months. I live in Boston, what kind of insurance I should take for them. What is the meaning of deductions here. I have no clue, please guide me.
thanks.
All Replies (1)
How do I go about buying medical insurance from you ? Any help ?
All Replies (1)
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.
