I had a bad experience with ICICI Lombard in respect of my claim. The claim was rejected due to arbitrary reasons. However when I presented my case in a detailed manner alongwith all the necessary supportings, my claim was approved and I received the settlement cheque . However, my pre-hospitalization expenses were deducted which as a matter of fact should have been considered in view of the health policy taken.
I would advice all my friends that whenever there is any dispute regarding claim, first justify your view point and submit all the supportings. I would strongly recommend all my friends to go for ICICI Lombard Health policy in case they are planning for health insurnce.