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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.
these companies cheat the customers like this to sell their policy's anf after that they say we will not pay for the bills go to hell
The complaint has been investigated and resolved to the customer’s satisfaction.
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ICICI Lombard Health insurance is mere waste. They do not settle the claims. I had a bitter experience with these people. Horrible customer service. It's or ethan a year that I have sent all the docs for claims and havn't heard back from them. I keep calling the cutomer service veery day and all they say is they are looking in to it.
You pay for the insurance and you end up paying the hospital bills yourself.
Instead do not take the insurance. atleast you will save the money u spend on insuarnce.
They are cheats.
ICICI lombard Insurance is worst of its kind.. They are big cheater even I have faced this
All there terms and conditions are hidden on some small link - but they boast of covering everything.
DO NO TAKE THEIR POLICY.
Refer to following links if you are still not convinced.
- http://1947india.wordpress.com/2010/01/27/travelling-us-to-delhi/
- http://www.immihelp.com/forum/showthread.php?t=16830
ICICI Lombard are Cheats! and I can't belive that United HealthCare is co-operating with these [censor].
The sales department will sell you the policy and lie through their teeth. Then, when it's time for a claim, they make up their own rules as they go along. For example, I was told by one customer servive rep that claims up to $5000 have to be paid out of pocket and then file for reimbursement (which I am sure they will never reimburse). Another rep told me $2500. Their site says $500 is the limit. What the hell?
Also, even though the policy has a UHC ID and Group #, they are not active in UHCs system?
Buyer beware ... you are buying overseas health insurance from a desi company! C'mon. You might want to buy a bridge from me that I want to sell. The difference between American/European companies and Desi outfits is that the Desi company will try to cheat you out of every dime - the other companies limit the amounts they cheat out of you. The only way you are gonna get paid is if you know some Neta who will *for a fee* call their boss and threaten political intervention. You are better off buying a policy when you are stateside. BTW - if you are in the USA and you can get your rep on the record saying that your policy issuance is contingent on your not seeking medical help again - THEN you can use that as evidence to go after United Healthcare - which is a regulated insurance provider in the US. You complain in writing to the state insurance commissioner about you being duped by a US insurer (ICICI is a POS desi company - so too bad you can't go after them) ... and then you may see some traction on your case. Also - please don't make a post in ALL CAPS again - it hurts the eyes. You wanna shout - shout @ the POS desi company that duped you - not @ the folk that are trying to help.