Dear All,
This message is for your awareness , and for your information.
I had quite a good number of policies from ICICI General Insurance , since the policies were available online , and it appeared to be cheap , but it had become literally a stamped document worth nothing, and you will have to never get any reimbursements unless you go for a court case / ombudsman.
Let me explain 2 incidences …
One of the policies , 4034I/FFH/W-053939/03/000, taken on behalf of my sister in the year 2007, and there are absolutely zero claims till 2010 december. She had a backpain and had visited a network hospital of ICICI Lombard, Soundarypandian Bone and Joint Speciality Hospital.
The events with the timelines are listed below.

25/10/2010: Informed ICICI Lombard on 25/10/2010 regarding Treatment , and we were advised to take claims after paying by cash , so that the treatment can be availed faster
29/10/2010: Date of discharge: 29/10/2010 Bill amount 24,000/INR approx
30/10/2010: Informed ICICI Lombard callcenter about patient discharge and requested claimforms, NO claimforms arrived for a week.
07/11/2010: Patient sought the help of internet and downloaded a claim form, and claimforms submitted through courier since no direct delivery address available, no receipt received. Claim Number : 220100133379
18/11/2010: Documents received by ICICI Lombard, Hyderabad center , Inward receipt Number CL-000597345
08/12/2010: ( 21st days , As per policy all claims to be settled within 21 days ) A query was raised , asking for ORGINAL CONSULTATION PAPERS AND ORGINAL INVESTGATION REPORTS. In reality all document were submitted
27/12/2010: Collected the orginal Handwritten Consultatation from the doctors secetary , and submiited to ICICI-Lombard .
04/01/2011: ICICI lomard received the queried content alongwith reply vide Inward Claim CL-000597345-1
15/01/2011: Called ICICI Lomard and asked for details : Answer Still Under Process.
17/01/2011: Case escalated by self to next higher level internally. Agreed to provide a resolution within 10 days and settlement within 21 days.
19/02/2011: No resolution Yet, UNDER PROCESS: Approached Ombudsman with details.

Do you want to be left in the dark when in need ………. Please stay away from ICICI Lombard ……

Again for motor claims , ICICI will exclude Un-named passenger in the first year to show the premium less, but once you are with them they will load you with additional premiums which are not required …......... Customer , Friends …. Stay away ICICI ………..