Myself Suryakant N.Chiplunkar,mulund last year (April-2009) my mother Mrs Nandini N.Chiplunkar had a stroke attack for which she was admitted in Fortis hospital,mulund(Wockhardt) after few days she was again admitted for angiography as she had heart attck also this all incident in the period of April -May period.

After few days i got a call from ICICI LOMBARD HEALTH INSURANCE call centre as we all get calls from various call centres on cell phones the sales person on phone explained policy benefits all other benefits etc.I also told him that my mom was recently admitted for stroke problem and heart disease,diabetes from last 15 years he told me that it will be very useful to you if in future your mother gets admitted again it will not be a burden to arrange the finance.Yes he also told me that like other insurance policies the preexisting disease will not be covered for first 3-4 years,I said ok not a issue but I had given him full information from my side but no form had been submitted to me to get it filled and I told him to take out the policy in my name as well as in my mothers name.So accordingly on the phone itself the policy was activated there was no medical examination done and the premium started debited from my credit card.

Recently in this month 25th Nov 2010 again my mother had to be admitted for high glucose level ,low B.P problem,giddiness,etc.So again I had admitted her to FORTIS hospital,Mulund at the time of admission I informed the TPA panel of the hospital that the patient is insured under the policy of ICICI LOMBARD so accordingly I had fill up the form and done the neccesry proceedings and i had also submitted the past history to the TPA dept. as they told it has to be fwd.it to the ICICI LOMBARD off.

In the mean time the patient was detected with dengue fever and liver infection problems which summary was also forward to ICICI LOMBARD off.accordingly and after recieving all the past history and current symptoms I got reply from ICICI LOMBArd that intial amount of forty thousand has been sanctioned and the remaining will be sanctioned at the time of discharge .

So on 4th Dec 2010 we decided to get the patient discharge accordingly the TPA dept.of the hospital faxed the discharge summary to ICICI LOMBARD but after waiting for 4 hours for the reply I was shocked that they had sent the fax of denial the claim as well as what they sanctined the initial amount also.

I called the call centre of ICICI LOMBARD what is the reason for denial they replied me that the previous disease of the patint was not informed to us now also and while taking policy.I told the person this is complete wrong statement what you are telling me as I had already informrd your sales person on the phone itself the past history of the patient after that only I had taken your policy and I had filled no form at the time of taking the policy I thought the person would have entered the details in their datasheet.But the hospital TPA dept. had also faxed the past history of the patient and after recieving all the papers only we got reply from ICICI LOMBARD that the initial amount of 40k as been sanctioned .I questioned the person on phone who was speaking on behave of ICICI LOMBARD how come u can tell all this foolish reasons now when you have recived all the history of the patient after seeing through the huge bill amount of Rs.1.15lac I told him all this are the loop holes you are finding it out now if this was the case and if you had any doubt your company should had not send me the fax of approval initially only.You simply play with the emotions of the customer, initially because of your approval only we kept the patient for more days in hospital I thought I dont have to worry of the bill.But because of the denial I had to arrange the amount from somwhere and discharge my mother.So I think this is complete cheating case I have all the records the fax queries approval letter denial letter what I recieved from ICICI LOMBARD if required i can provide it,I request the court to please log my complaint so like me there would be no other persons get cheated and we have to teach lessons against all this insurance companies.