https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9318648#post_9318648
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Medical Insurance Policy: Do not purchase from ICICI Lombard (Mediclaim, Health Insurance)
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Hi Dimers,
This post is just to make you aware of the harrowing experience I faced with ICICI Lombard Health Insurance.
I was an ICICI Lombard Complete Health Insurance Policy Holder for two years and I've faced two really unjust practices by ICICI in these two years.
1. BMI Loading: When they initially gave me a quote, they told me that a BMI Loading would be applicable only for the first year. I have a complete-call recording of this conversation During the first renewal, they added this loading and were not willing to remove it even after sharing the call recording with ICICI. They just said that the employee gave wrong information and mentioned action has been taken against the employee. The loading was still there and I was forced to pay it. I did not fight for it as I did not have time at that time and renewed the policy with unjust loading.
2. Mandatory Covers Added: During this year's renewal, they added a mandatory BE Fit Rider cover which is absolutely useless and doesn't allow you to remove it. They did not give any intimidation nor asked my approval before adding this cover. This is utter cheating and I am going to take this up with IRDAI and ensure that stringent action is taken against ICICI Lombard.
I'm not going to renew my health insurance with ICICI Lombard just because of these poor cheating tactics by them. This is their approach when I have not made any claim and you may understand the process during claim settlement.
Be aware,
Vivek
PS: I subscribed to ICICI Lombard after thorough research but when it comes to customer service, they turned out to be very poor. I cannot recommend any other medical insurance yet as I don't have any experience with others. For now, my only advice is to look for corporate policies with your employer. I've had a good claim settlement process with my corporate policy previously when there was hospitalization.
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https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9318653#post_9318653
if u have call recording take it to irda ,employee represents company and its their responsibility to pay for its mistakes
https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9318663#post_9318663
My bike insurance is from lombard. Do I renew it or change it?
https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9318713#post_9318713
Can understand your situation..but loading is lifelong & loading discount i.e. 50 % is applicable on some plans when u r shelling out the money u should hv gone through the ptc instead of relying on sales ex.
For. Add-on you may specifically ask them if they hv sent you the intimation or not and u may cross check as it is mandatory as per irdai and it's like ~30-60 days prior of renewal so that you can plan the renewal accordingly with change of plan or port..
https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9318794#post_9318794
ptc?
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https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9318912#post_9318912
Has anybody availed cashless mediclaim for a major surgery
https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9320606#post_9320606
Been using ICICI lombard for past 16 years. Never faced any issues. Cashless was always smooth all times. I have used it 4 times till date in these 16 years.
Once by mistake had paid for another year thinking that my policy had lapsed, even though I had 2 years of policy term (yes a gross mistake from my end). Realised my mistake after almost a year when I got a renewal mail after 11 months. Raised a grievance request, after few calls, all my money was refunded to the source.
Another experience: Was admitted in hospital for a planned minor orthopaedic surgery. Dad at home got ill. As an emergency had to cancel the surgery after being admitted for 2 days. Hospital Mediclaim desk insisted that I have to pay as I had no surgery done. Called up lombard helpdesk, told my situation, they agreed to pay in full without any issue. I just had to get them to talk on the phone to the person on Mediclaim helpdesk and rush to home for my dad’s emergency.
I can probably share several of such positive experiences with lombard.
I have always renewed online, never got to any agent. Read into whatever riders or options I was opting for and hence never have any grievance. Maybe I am lucky, but some of my friends and family are with lombard too, mainly due to my experiences and never heard anything negative from them too.
https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9320674#post_9320674
Almost everything from icici is bad. Want icici paylater? Initial 500+GST don't know what happens later, want to check cibil from them? 500+GST, tried to get icici platinum rupay debit card their branch argued icici don't issue rupay, when I tried to convince them they tried to abuse me. I kept my cool and told them I'll know them the rupay debit card that they actually issue. Apart from the apay icici their credit cards are bad in terms of rewards and many more
https://www.desidime.com/discussions/medical-insurance-policy-do-not-purchase-from-icici-lombard-mediclaim-health-insurance?post_id=9363136#post_9363136
I've given them all the details and 2nd level escalations also done but the only response from them is we have taken action against the employee.
I haven't renewed with ICICI and never going to.
ICICI Lombard just has the worst service and even the people in position do not wish to take any action.
Vivek
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Been using ICICI lombard for past 16 years. Never faced any issues. Cashless was always smooth all times. I have used it 4 times till date in these 16 years.
Once by mistake had paid for another year thinking that my policy had lapsed, even though I had 2 years of policy term (yes a gross mistake from my end). Realised my mistake after almost a year when I got a renewal mail after 11 months. Raised a grievance request, after few calls, all my money was refunded to the source.
Another experience: Was admitted in hospital for a planned minor orthopaedic surgery. Dad at home got ill. As an emergency had to cancel the surgery after being admitted for 2 days. Hospital Mediclaim desk insisted that I have to pay as I had no surgery done. Called up lombard helpdesk, told my situation, they agreed to pay in full without any issue. I just had to get them to talk on the phone to the person on Mediclaim helpdesk and rush to home for my dad’s emergency.
I can probably share several of such positive experiences with lombard.
I have always renewed online, never got to any agent. Read into whatever riders or options I was opting for and hence never have any grievance. Maybe I am lucky, but some of my friends and family are with lombard too, mainly due to my experiences and never heard anything negative from them too.
Almost everything from icici is bad. Want icici paylater? Initial 500+GST don't know what happens later, want to check cibil from them? 500+GST, tried to get icici platinum rupay debit card their branch argued icici don't issue rupay, when I tried to convince them they tried to abuse me. I kept my cool and told them I'll know them the rupay debit card that they actually issue. Apart from the apay icici their credit cards are bad in terms of rewards and many more