Panchaayat
OpenComplaint

ICICI Lombard - Unjustified Rejection of Surgical Reimbursement Claim for Recurrent Thigh Boil as Alleged Non-Disclosed PED Despite 10-Year Continuous Policy History

ICICI LombardPC-2026-02846Insurance ClaimsAnonymous ·
HEALTH INSURANCE IS SUPPOSED TO PROTECT YOU. BUT WHAT HAPPENS WHEN YOUR CLAIM IS REJECTED? I am sharing my personal experience with ICICI Lombard because I believe every health insurance policyholder should know what to check before trusting an insurance policy. I have maintained health insurance for 10 years, initially with Apollo Munich/Niva Bupa, before porting my policy to ICICI Lombard in November 2022. When my wife underwent surgery for removal of a recurring boil on thigh, my reimbursement claim was rejected on the grounds that the condition was pre-existing and had not been disclosed. My earlier episode had been treated with antibiotic and resolved. No one could have predicted this will recur after 3 years The later recurrence required surgery. What followed was even more frustrating: I pursued the insurer's grievance redressal process, but my claim was still not approved. My concern is not just about the money. It is about trust, transparency and the purpose of health insurance. Here are the lessons I want every policyholder to take seriously: 1. Never assume that portability means everything is automatically protected. 2. Read the waiting-period clauses carefully. Understand pre-existing disease exclusions, specified illnesses, waiting periods and portability credits. 3. Disclose your medical history accurately. Even past conditions that have resolved should be disclosed. 4. Preserve every document. Keep prescriptions, medical records, discharge summaries, bills, claim submissions and all insurer communications. 5. Demand a specific reason for rejection. I am not asking anyone to accept my interpretation blindly. I am asking for transparency, a fair assessment of the facts, and accountability in claim decisions. ICICI Lombard, Girish Sehgal, Priya Deshmukh, Sanjeev Mantri , I request a clear, evidence-based explanation of why my claim was rejected despite my continuous insurance history and portability documents. Have you faced a similar health insurance claim rejection? Share your experience so more policyholders can learn what to check. #HealthInsurance #InsuranceClaims #ConsumerRights #Policyholders #InsuranceAwareness #CustomerExperience #ICICILombard

Reference details

Complainant
***************
Target Insurer
***************
Policy History
***************
Leadership Tagged
***************

Source links

History

  1. Case filed

    System · 24 Oct 2026, 4:42 am

Comments (1)

  • ICICI Lombard (via email)Company

    Received via email from the company's official address · Sender: customersupport@icicilombard.com

    Thanks for getting in touch. We’re on it. Dear Customer, Thank you for reaching out to us. To ensure we address your query effectively, we kindly request you to share any additional information using the following link: **Note: The link will expire in 24 hours** We will provide a response to you within 24 hours. For urgent updates on previous raised queries, connect with us via WhatsApp at ****** from your registered mobile number.

Log in to comment or upvote.

More complaints about ICICI Lombard

I
ICICI LombardPC-2026-02855·

ICICI Lombard - Aggressive WhatsApp Marketing and Premature Renewal Alerts 90 Days Before Expiry

A quick question for Sheena Kapoor & the ICICI Lombard growth team. I’ve been a loyal customer for over 5 years. Today, your automated CRM sent me a WhatsApp alert stating my policy is "due for renewal". And the expiration date? January 20,

OpenComplaint1
1
I
ICICI LombardPC-2026-02848·

ICICI Lombard - Arbitrary Double Rejection of Health Insurance Claim No. ****** Under Vague Allegations of Misleading Information Over Hospital Documentation Lapses

Shocking and deeply disappointing experience with ICICI Lombard. My health insurance claim (Claim No. ******) has been rejected twice under the allegation of "Misleading or Untrue Information Shared." Yet, despite repeated requests, I have

OpenComplaint1
0
I
ICICI LombardPC-2026-02840·

ICICI Lombard - Arbitrary Rejection of Typhoid Hospitalization Claim Overruling Treating Doctor Advice as Hospitalization Not Required

Disappointed with ICICI Lombard Health Insurance Claim Experiencen I am extremely disappointed with my experience with ICICI Lombard . My daughter was diagnosed with Typhoid, and her treating doctor advised immediate hospitalization based o

OpenComplaint2
0
I
ICICI LombardPC-2026-02839·

ICICI Lombard - Unjustified Repudiation of Acute Ischaemic Stroke Claim (₹3,79,160.44; Claim #******) Under False Substance Addiction Exclusion (Excl12)

ICICI Lombard ICICI Lombard Digital Sanjeev Mantri An Unjustified Health Insurance Claim Rejection During a Medical Emergency – Seeking Accountability from ICICI Lombardn I am sharing my experience publicly in the hope of receiving a fair r

OpenComplaint1
0
I
ICICI LombardPC-2026-02544·

ICICI Lombard & Policybazaar - ₹58,014 Health Claim Rejected Over Vague Medical History Discrepancy Without Clear Written Explanation

A health insurance claim rejected, repeated follow-ups, and still no resolution — ICICI Lombard Policybazaar.comn My health insurance claim of ₹58,014 was rejected by ICICI Lombard on 17 September 2026, citing a discrepancy related to my me

OpenComplaint0
0

All ICICI Lombard complaints, customer care & support →