Subject: 15000 deducted inappropriate reason given
My Name: KETKI SHETH
My City: ahmedabad
My Complaint Against: ICICI LOMBARD GENERAL INSURANCE COMPANY LTD
Complaint Category: Insurance Companies
Claim Amount (Approx.): 95000
My Complaint Description:
I had undergone knee replacement surgery and had placed a claim with ICICI LOMBARD Of RS 95000. They had approved the claim and sanctioned 73000 to us . Rs 22000 were deducted! After complaining they send me the claim settlement details. When i saw it Was shocked because i had taken basic premier room in the hospital . The room charges were Rs 5000 for the basic room per day!They had said that they have room rent limit of 3500 rs per day. As It was that Rs 6000 was deducted for my four days stay at the hospital! I dont mind that however they have also deducted 5025 from my claim towards anaesthetic charges towards proportionate deduction applicable asper room rent eligibility and also 10050 Rs from my claim towards operation charges towards proportionate deduction applicable as. per room rent eligibility . I dont understand when they have already deducted RS 6000 towards room rent eligiblity how can they deduct more amount from operation and anaesthetic charges!
I have approached them repeatedly but have been given same reason and are not willing to understand or solve the complaint! Moreover even complaining them and to my insurance broker that is JIO they have never send me the policy copy ever . I dont understand why these kind of business policies are been undertaken.
Please take strict action against them!
Kindly take prompt action!