I’d Purchased a Family Floater Health Care policy from ICICI Lombard on 05th Feb 2008, and unfortunately my son attained an accidental internal injury on his left thigh, due to that the puss was formed and he was hospitalized on 5th March 2008. When I contacted the TTK for Cashless claim.
They replied that policy is not valid and ICICI was saying as you’d paid by Credit card, unless the amount will bot be billed the policy will not be handed over to TTK, after 5 days of intense fighting finally TTK was able to view my policy on their system. They had rejected the claim saying the policy has not completed 30 days( it was due to complete on 06th March 2008 0000 hrs) as I’d admitted him at 05th March 2008 2336 HRS. The clause under which my claim was rejected clearly excludes the injuries due to accidents.
Since then TTK is non co-operative and ICICI Lomabard is passing the liabilty on TTK(acting as payment gateway only). The TTK’s approch towards the Individual customer is worst, in case of corporates they follow different policies. I wish to fight with both thru IRDA and Consumer forum