Submitted by: kksah
Complaint Details:
Policy no 20161005003904128i / hp/ 91614641/02/000 dated 8th july16
Original policy no 4034i/hir / w – 3048211/00/000 dated july 2011without break
Denial of claim ref no – 110100296522. •
I am holding this policy with icici lombard since 2011 and have never claimed any amount against it for last 5 years.
• my original policy was not having any standard exclusions for any disease life threatening or critical care except a waiting period for any existing disease, for which a waiting period of 2 years was indicated.
• i have gone thru the policy document which was forwarded to me on renewal in july 2016 along with policy wordings and the key information sheet. The same also does not state any such exclusions (Clause 3.3). Moreover the option add on covers also does not indicate that there is need to take any specific insurance for any excluded disease.
Icici lombard is denying my claim stating that my disease multiple myloemo is an exclusion in the policy.