ICICI Lombard / United Health Care — they will not renew your overseas medical policy if u have claim / if u went to hospital
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.
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