ICICIPRU has always sold its policies by not disclosing the true and real facts. Now they have started up with a new trick. Now they ask their franchise agents like SMC and others to sale the policies using whatever means they can use like, introducing themselves as the risk assessment dept of ICICIPRU, giving wrong facts and recording your connect very carefully to be used against you in future.
They are now miss selling the policies and using the voice recording against the costumer.
A very big cheater insurance company.