Jun 04, 2010 10:38 PM
4780 Views
(Updated Aug 23, 2010 06:21 PM)
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
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. https://icicilombard.com/Content/ilom -en/Downloads/PolicyWording/IndividualPol icywordings-new.zip
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.
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.
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 Or Tata AIG from my past experience.
Good policy are costlier by5-10 Rupees / Per day from lombard but you will not have to regret later.
More details can be found on my blog- this is just a simple blog dedicated to my indian fellow brothers and friends.
https://1947india.wordpress.com/category/money-matters/
