Pre Certification and Extended Stay

[aravindan]

Hello All
My mother had come to visit me in US.She slipped on Ice and fractured her elbow. She has a Patriot America traveller insurance. We got 2 days hospital stay pre certified for her surgury , but the stay got extended to 3 days ( I kept insurance company in loop ). But the Insurance company rejected the extension saying it was medically unncessary ( Looks like extension was because of delayed care ).
Can someone advise me on what I need to do next, in order to avoid paying the stay out of pocket.

Thanks in Advance.
arvind

[insubuy]

I am sorry to hear that you are having a claims problem.

Please contact me with your certificate number so that I can assist you with this.

[insubuy]

It was nice talking to you.

From our discussion, it seems that you didn't purchase the insurance from us. As you already read out the agent name to me, please contact him to see if he is able to help you.

[ramshyd]

ICICI Lombard - Fradulent entries, Poorest Quality of Customer Service

Hello

I have taken an overseas travel policy in Chennai for a travel to US for 6 months. Based on the policy’s refund procedure, I am eligible for a refund of the unused portion (3+ months) because of my returning back to India.

I am a senior citizen, and I had to talk more than 6 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query.

I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide.

I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I got a response from a customer service professional - Pankaj Chettri, that I have claimed an amount of 300USD! If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed.

If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy.

Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)

[insubuy]

Dear Mr. Subbiah,

I am sorry to hear that you had a trouble getting your refund with the company you had purchased insurance from.

I recommend that you consider purcahsing insurance from us for your next visit. We only offer insurance from US based companies where the customer service standards are high.

If you had purchased insurance from us and if you had departed early, you would have promptly received a refund from us as per the rules described at https://www.insubuy.com/clients/ for various products. All you would have to do is send us an email asking us to cancel it and we would do that.

You can visit https://www.insubuy.com to buy insurance from us next time you plan to visit.