ICICI Lombard Health Insurance

I got a call from ICICI Lombard 2 months before, they elaborate the health policy to me and I was also interested at that time in purchasing a policy for my parents. So they told me that once your policy is activated you can also include your parents based on T&C. So I applied instantly for the policy and the first premium got deducted from my account. Now its almost 2 months but I have not got any policy document and Log In credentials, So I mailed the customer care and they replied that there is some problem with my address so courier company was not able to deliver the policy docs at my address(The Professional Couriers)

Then I confirmed them my address two times when they called and they assured that I will get docs in next 5 working days.But now its almost 10 days and nothing happened. I contacted them again and they replied that its in progress. Now am thinking of raising the issue top the higher authorities and will see the result.

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If patient has long term illness then this company start rejecting claims. They are not stick to their policies. You would be in trouble if TPA is Paramount and insurance company is Lombard.

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Today sharing my experience with ICICI Lombard Health Insurance policy which we have been availing from last 4 years we keep renewing every year in the month of November.

I have taken a policy for me and my wife of 4lakhs rupees  and the premiun for my ICICI lombard policy for the year is 7200 rs which is a family floater plan. ICICI Lombard provides lots of benefits like No capping on room rent which generally every other insurance policy charges 1% of the total policy amount.

Almost 160 such day care deseases are covered where no hospitalisation of 24 hours is required and every year at the time of renewal we get coupons for 2 members for health check ups free of cost. Which makes ICICI Lombard insurance stand differently from other Insurance companies. I am a happy customer of ICICI Lombard.

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Icici is cery popular in banking sector so having trust on them I taken icici lombard health insurance.but it not good policy.the agents first told in otherway .

But the rules of the actual policy is different.and the premium charges are also very expensive.and once I claimed but they told it is not eligible for this so I paid full hospital bill.i stopped paying the premium and dont like there service.

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I am currently chasing with icici lombard for Cashless claim of health poilcy(4128I/IH/87225671/02/000) in medanta hospital gurgaon & its like nightmare to me. They will ask those document which you cannot furnish in my case they are asking 7-8 year old discharge summary of appollo hospital which I didn't even claimed from the policy.

if you are age of 70 & seeking cashless/reimbursement for any surgery then they will ask you the first surgery document which you will definitely not having that point of time & they get the chance to say reject. Joke part is that they are communicating to world that all old disease get covered after certain period which is trap line to get customer.They have fools people sit in customer care which may ask same queries multiple time which in turn make you tired and encourage to drop cashless claim idea.Really worst & disappointing upto now.

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Icici is a renowned financial chain in indian in banking and various types of insurance and provide good facilities but ICICI Lombard health insurance in health insurance is worst.

I dont know why I feel that this is not the part of icici renowned chain after seen their customer executive behaviour most of the time they are not attending my call for any support and briefly description of my insurance. Policy claim rejected sometimes due to some poor reason Go with other policy brand which always pays off not with icici lombard health insurance. having very less range of plans in health insurance.

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ICICI name  is   a  well known   financial  services provider  in  India, in banking   sector, but  ICICI Lombard  health insurance   agents  are  ineffective & dose not   give  proper details   of the  policy &  related information .The  does  not give   the   right  picture of the

heath insurance  policy. The policy    claim are not  properly  settled   &  some   time  your  claim  gets   rejected .They keep on sending  lots of  not related massages  on  the   mobile so  one  gets   angry & restless .

So   the   outcome is  that  ICICI  is   truly in  the   field  of  banking  &  financial  services  sector  segment only, so one   should  think  while  taking  a  health insurance  policy from  them .

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This is very good insurance to citizens of india. actually health  insurance is very important . no one can really predict when their health will give proble.

After 40 years we cannot exactly what will happen in next moment. I saw a different policies and insurance in market but I saw this policy gives  a seperate some what insure to our life . I made a policy in this company.

They give insure to 8 critical illness to body they are paralysis and kidney failure etc.they will give tax benefits also. they give aboue 3000 cashless benefits also ./ by seeing this I personally preferred this policy. premium of this policy is capable to pay a normal man . hence by seeing all this facility I preferred this health insurance.

I hold icici lombard family floater policy since last two years. this policy is provided to me by JIO(jain international organization). and I am very happy with that policy. in just 17000 inr my 6 family members are covered including my father's age of 66 year and mother's age of 60 years. the covered amount is 5 lakhs.

I am very satisfied with the service and process speed of that company. this is very reliable and work with total efficiency. the customer care is working 24 hours to serve their customers and you do not need to wait for talking to customer care executives. the executives are also very well trained and know all the things about the policy and terms. so customer satisfaction is their priority.

all the pre-existing disease are covered from day one in my policy. the ambulance and room allowances are also really very good. and in wide range of network hospital are included in my policy so that I can avail cashless facility in network hospitals. I get 60 day of post-medical expenses is well. so this is the best policy for me at all.

the claim process is also very fast. I made one of my claim of 1 lakh rupees and got credit in my account within 1 month. they do all the process in systemic manner and. you will get all the service hassle free. and the claim process is also very easy.

but I need to courier all my documents to it's haidrabad head office. they should arrange claim process in ahmedabad also. and they should also need to add more network hospital on their list to avail cashless service in many hospitals. knee replacement is covered after one complete year in my policy. they should include it from first day like other disease.

but I will strongly recommend that one to all my jain brothers. this is just the best policy for them.

Policy Reimbursement Expenses Is not good. I fell this policy is not for Middle and Lower class family. I had an extremely bad experience when I availed ICICI Lomabard Because service is very poor, no one assist you better . I am using icici lombard corporate health insurance Reimbursement  Expenses is to bad. I am not happy with ICICI Lambard.

• Policy Reimbursement Process is slow.

• Support person not have complete information.

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Taken health policy 3 years before.  now they are telling stories for not to give the amount. They have clauses in different parts of the same catalogue that contradicts to each other. When you show them the possibility, they show you the negative clause to show why is it is not possible.

I am canceling all my ICICI Lombard policies. Not at all happy and satisfied with this horrible company. Agent show you the+ve clauses written in the book to get your money. When you are in need, the company show you those clauses given in the same book to avoid the pay, ridiculous.!

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Icici is one of the best private sector banks in india it has a lot of schemes under it. Icici health insurance is one of them.

Icici health insurance does not provide any imsurance against your health. Its agents are so frustating that one cannot want to meet again to them. Company does not give the right to claim the insurance everytime. Sometimes there are a lot of issues about the claim which should be given to the person.

Icici sends a lot of service messages on rhe mobile  so you can be angry sometimes. Overall icici is good for banking but in health insurance it is very bad. I am giving one out of five arars to it.

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Dear All Visitors,

Please don't take the insurance of ICICI Lambard .I had an extremely bad experience when I availed  ICICI Lomabard Because service is very poor, no one assist you better . I have spend 3 months after stolen of my Bike but till now I have not receive any assistance or help with them team . Its very poor . After this no one call you and definitely you will feel so frustrated . My Claim No is: MOT04991603 . Any one can suggest me what can I do .

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ICICI Lombard Health insurance will do anything to do deny the claim. I had filed one claim and which I asked to be insured for a hospital stay wherein I had arthritis. They kept asking for paperwork for a hip fall. The doctors from the hospital conclusively said that what I had is from arthritis and not a hip fall and I also said that I never saw a doctor for any hip fall. Despite the fact that their own investigation never showed evidence of a hip fall, they kept insisting on the paperwork for the hip fall and stalled the claim for once months.

That's not the end but the beginning. I then got dengue fever. I opened a new case and got admitted into the hospital based on the advice of my physician. However, before processing the dengue fever claim ICICI Lombard Health insurance is insisting again on paperwork for hip fall even though dengue fever is a virus and has no way of being mistaken for a hip fall. This time ICICI is asking because they know that I can't supply the paperwork for a hip fall and therefore can use it as an excuse to deny my claim.

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ICCI lomabard is such a good one to choose.i have been knowing them for past year and on of the agent is just residing next to flat and with him I came to know about it and it was best one for choosing a policy for the person.

Though they were not so clear in explaining the things, but the plans what they were implementing is really appreciable and if you need to know more about it go and hae an appointment as I am not the right person to revel them.they have some limited persons with good knowledge and they will help us at all information.service is really appreciable and I am happy with this.

Choose smartly before taking a policy and esquire its benefits and downs.experience matters in this and collection of information too.Good one to choose for in life.

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It offers good insurance cover. ICICI is already a known brand in banking sector. Well, every second person has praised it;so, one can't refuse its benefits. ICICI also happens among the largest private banks in India.

Well, it has a trained work force of insurance advisers. Its employees stick to IRDA rules and regulations. Its website is quite informative and has good tools. ICICI keeps on guiding its customers about various insurance tips.

One gets a secure pass word and one's info is safeguarded by ICICI. Yes, its  health insurance policy really helps.

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I had an extremely bad experience when I availed  ICICI Lomabard term insurance Policy from Amex(POLICY #: CPP_090019 and POLICY #: CPP_090002)

When I took the policy, I was promised that the softcopy will be delivered within 3 working days, which never reached me. Later with 10-15 reminders they have sent me the hardcopy of the policies, I was shocked and surprised to see that names, Dates, address everything were misspelled in the policy. By this time, I was doubtful of the policy and wanted to cancel it.

When I approached Amex for cancellation, they have suggested me to go ahead and assured multiple times that I will get a 100% refund, which never happened. ICICI Lombard claims that I have cancelled late so they cannot refund the entire money and they do not accept that the cancellation got delayed only because of the delay from their side. The entire story looks like Amex and Lomabard joined together to cheat and loot people.

I have gone through this terrible experience and lost my hard earned money, Please be cautious with this and  recommend to approach some other service provider instead of Lombard

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Today I am sharing my experience about icici lomboard health insurance. icici lomboard is a part of icici bank. it's health insurance policy is very good. when I went to icici lomboard office and told them about health insurance. they give me full details about this policy and required document's list and tell me about charge of it. after I bought this insurance policy and registered under it.

After some time I need my health insurance policy claim then I claim it through it's registered office and they give me full help. and after some time I got my policy claim. so I can say that icici lomboard is a very good place for health policy.

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ICICI lombard is a pure fraud. I bought an health insurance policy(policy no - 4128i/iH/107022191/00/000) on 21st september 2015 and I am yet to receive the policy documents(it has been over a month now). What service can the customer expect at the time of claim settlement if you are even unable to deliver a simple policy. Think twice before choosing this policy.

The staff / customer service attitude is even worse. Before buying the policy they used to call every day, now they dont even send a proper reply

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It is very unfortunate that you have abruptly rejected my claim . Few points to be borne in mind before this type of rejection

1) As per IRDA norms you can not or should have not rejected this particular claim as this policy is in force since 2009 and has completed more than six years of existence. I was looking forward for favorable response from higher authority within ICICI Lombard however considering your response I stand permitted to apply to IRDA grievance authority for justice. Kindly note any reputation loss or destruction of your brand image will be responsibility of yours hereafter.

2) I have asked many questions in my query. for which I have submitted you with comprehensive lists of policies that I am holding from your untrustworthy organization( Notion changed due to this response) . I am pained to inform you that none of the query were answered in your response. Viz. This  policy is for entire family and you have no right to make it null and void. It is obligatory for you to honor all claims pertaining to family floater policy.

3) Kindly provide me with details of law under which you can make this type of response.

4) You would have noticed that your organization has issued multiple duplicate policies to me and was charged heavily for issuance of time overlap policy. This indicate total uncontrolled systems followed at your end. Please  refer my attached excel sheet for ready reference again.

5) Above excel sheet will leave in wonder as to how weak and venerable your policies and process are.

6) In the end I respectfully seek your reconsideration on above issue and a compressive response from your end.

Hope above will be answered promptly and favorably

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