Recently I've got a really bad experience from Tata AIG... I hold a credit card of HSBC, one day I got a call from HSBC person giving an information about this health care insurance from TATA AIG, it was supposed to be different than mediclaim and bla bla bla... I declined the offer from HSBC, however the guy on phone played the first trick, he told me that they will send me information papers about the policies and then I can decide whether to take the policy or not within 14 days of receiving the papers... I made a mistake by saying OK to send the papers, then the call was transferred to TATA AIG executive, who got the necessary information from me...

During this call with TATA AIG, I realized that I've been trapped by this trick and now actually I was availing the policy... At that time what I thought was, let's take the policy (something like which I anyway needed) and go through the documents and as the HSBC guy told me, I can anyway cancel it in 14 days...

At the end of the conversation with TATA AIG (by the way, all this conversation was being recorded for confirmation), the executive told me that only changing the policy level could be done in 14 days without any charges and if I wanted to cancel the policy then I will have to pay Rs.99 per person (I was going for myself, my father and my mother)... here I realized that I was being cheated in daylight!!! but I could not do anything at that moment...

I decided that when the papers arrive, I will cancel the 3 policies and pay Rs.297... so I called the TATA AIG helpline numbers to cancel this... And here came the big blow... now the TATA AIG executive told me that there was no clause at all which said about the Rs.99 per person charges for cancellation, on the contrary I will be charged 25% of the annual premium amount (which worked out to be about Rs.2200)...

When I told him to refer the recorded earlier conversation, he held the call for 2 minutes and came up with a typical cheater's statement "There is no mention of Rs.99 per person for cancellation"...

I am feeling really disgusted "How can I be made so fool"... but in reality, these companies are not fooling... they are "CHEATING"...

So please spread the word and do not fall into such traps.

Fixed coverage plans are always inadequate. Otherwise, there would be no need for the same company to charge you around 3 times higher premiums and offer you comprehensive coverage plans, as no one would need to buy them.

We always recommend everyone to buy comprehensive coverage plan.

In your case, consider buying Protection America at http://www.buyamericaninsurance.com/img/protectionamerica.jsp

I have purchased visitor care insurance limited coverage for 15 days for my parents who are with me (aged 71 and 62). They don't have major health complaints. My question is..Are the limits in the limited coverage good enough for any emergencies/hospital visits? Should I switch to comprehensive?

Thanks.

Suraj Parkash Tuteja
38 Azad Nagar, Jagadhri Road.
AMBALA CANTT 133006

MARCH 19, 2008

Mr Manpreet Singh Mob 09988195653
Authorised Signatory
ICICI Bank Ltd,
IInd Floor, FCO 151-152 Sector 9C,
Opp Yes Bank, Chandigarh

Reg Dues against Credit Card No. 44774685541690009

Dear Sir:

Please refer to your proposal No IBBC/COR/2476/51 dated 18.3.2007 offering to settle dues at Rs 58,000/- as against the amount earlier claimed at Rs 78.973.56 as on 28.1.2008. In fact nothing is due from me, rather some amounts are due from you. But even for this so termed generous proposal the language and wording of the letter is not only insulting to any customer but also reflects the lack of even an iota of common sense, because without looking to the large scale criminalities indulged into by ICICI Lombard itself, you are time and again expressing your large generosity of spirit in allowing the so termed huge rebate of Rs 20,000/- and putting up misplaced conditions. Because being a % share holders in the amounts recovered, your first and last intentions - whatever your Principal’s faults - is only to extract heavy amounts by terrifying & threatening customers, and so you can earn more commissions.

Besides, this letter IBBC/COR/2476/51 dated 18.3.2007 which was kept being forcefully withheld by your Mr. Rana and given a copy only after prolonged heated discussions at various levels right up to Chandigarh, is a mockery because the letter is not on the Bank's letter head, or carries a rubber stamp, does not indicate the branch or postal address, or telephone numbers or even designation of or copy of Authority Letter of Manpreet Singh. It is a scrap of paper. A fresh copy of the same duly rectified be sent. Yet again, the bank is vigorously with holding from me copy of my Savings Account No ?? statement since December 2006 and creating hurdles for me to arrive at the final amounts withdrawn against the credit card from this account.

This rebate of Rs 20,000/- does not reflect in full the wrong and excessive charges unlawfully debited to my Credit Card. In the first place I only provided details of my two sons to to ICICI Lombard to obtain detailed proposal, but ICICI Lombard straight away issued two policies, which were refused and surrendered, and only against repeated requests both policies were cancelled within less than 3 months on 28.3.2007 and even after repeated requests for refunds of the excess amounts charged ICICI Lombard never responded.

The reason for immediate refusal for the Insurance policies was the flood of lot many and excessive charges being debited and unlawfully extracted from my credit card like huge Rs 1533.80 EMI Principal debited on 21.12.2006 as also EMI Interest of Rs 302.62 for what ? The amount payable monthly was only 301.87 i.e. Rs. 7245/ 24 months = Rs 301.87 Why debit charges interest unlike in all LIC and other insurance companies, interests are never chargeable on monthly, or other periodic instilments.

If ICICI Lombard do not cancel policies around 3 months it was certainly not fault of mine, but of ICICI Lombard only. Then why damage me with all of the charges, service charges, interests on interests and what not ? Not resting with these frauds, even against both policies cancelled on 28.12.2006 ICICI Lombard illegally kept on further EMI Principal and EMI Interests charges but also started debiting for 6 policies with consequent Service Charges etc in January, February, March, 2007. Both policies were at last cancelled on 28.3.2007 but without giving rebate for the amounts debited and collected from day one or any amount whatsoever.

Again even after canceling both policies ICICI Lombard kept on unabated bombarding charges and collecting from my Credit Card amounts for the months of April, May and June 2007. But the height of criminality reached when long after the policy was cancelled on 28.3.2007, in June alone the ICICI Lombard bombarded my credit car with 13 EMI.s and 11 EML Interest charges amounting to Rs 50304. 31 EMI Principal, and Rs 1334.60 EMI Interest and together with service charge etc the amount criminally debited to my account in June alone ran to 64415.50 closing balance minus 10579.97 = Rs 64415.50 as reflected in the statement itself. And your Mr Rana and Ravi Gupta continue to insist for payment of Rs 58,000 /- with threatening postures.

I insist on you to prove concusively that I ordered for any of the 3 EMI.s and 11 EML you have criminally dumped on me and know adamentally insist on me to pay up.

Looking to all these wrong. excessive and criminal charges, and looking to the adamant attitude & insistance for payment of Rs 58,000/- it is disgusting to discuss matters with your Mr Rana or Mr Ravi Gupta or others who brazenly and blatantly insist that the amount as shown in the statement is payable under all circumstances they threaten they have lot many ways to extract the amounts. as is also visible from two dull-witted legal notices from Amardeep Singh Sukhija 23.7.2007 and Sandeep Suri 8.2.2008 were ignored. Both notices presupposes that only the ICICI Lombard as the most pious instead of the and acted like Mafia's dens or goons themselves fully knowing the repeated and heavy penalties and fines imposed and reprimands and warnings from Supreme and High courts in India. Both of these threats termed as legal notices were ignored. You are fully aware of the dirtiest reputation ICICI Bank is held in public, and you can refresh your memory if you click on internet for Google or Yahoo or any other search engine and check results ICICI + criminals or cheats or crook's or frauds or thieves or decoits or robbers or whatever else derogatory adjectives and see the results what lacs and crores of banking customers think and shout about you, And state till when the shameless conduct will continue by you people ?

In fact the four amounts actually withdrawn by me i.e., Rs 92/54 on 30.09.2006, + Rs 5,000/- on 18.10.2006 were adjusted on 17.11.2006 with Rs 5,489.96, 10,000/- on 02.11.2006 ) 512.5 on 18.11.2006 were adjusted on 19.12.2006 with Rs 11,701.02 with along with unlawful charges like processing fee, 199.99, manual cash Rs 300/- +300/- as against Rs 75/-, excess charged Rs 649.99 is to be refunded to me. Rest of all of Rs 78.973.56 as on 28.1.2008 is wrongly charged and needs to be set off .because I never accepted any of two insurance policies. Even a casual look at the statement will show that after 18.11.2006, with nil balance due from me, there is not even a single withdrawal but only illegal charges dumped on me.
Hope better sense shall prevail and it is requested that fresh statement of account with statement of savings account be furnished be furnished detailing the final amount lawfully due - not as per your senseless arguments - to either of us for final adjudication. Study the above facts carefully, and take this as legal notice and respond within 15 days failing which I shall get the matter adjudicated through RBI, Banking Ombudsman, Insurance Ombudsman, Consumer Forum or law courts at my option, as also go to the national Press and TV Media,
as also take up matters with the High Court and Bar Council against the two advocates why their Bar Licenses be not cancelled for sending out illegal threats and calling names in the name of so termed Legal Notices without studying the vase, all the while knowing full well the criminalities the ICICI bank is known for all over. One Advocate had the audacity to send copy of his notice illegally to Senior Superintendent of Police knowing full well the legal options available to him, Copy is being sent to SSP Ambala to check these white collar goons.

Suraj Parkash Tuteja

It is your responsibility copies ot this legal notice be also provided to following :
cc. Mr Rana (Mob 09729060046
Mr Ravi Gupta Mon 09888510957
Amit (Mob
e-mailed to chairman ICICI Bank,

Sri,

You have to ask your employer's HR department or the insurance company. We (or anyone on this forum) does not have any way to know how your insurance plan works.

United Health Care My medica from Wipro.

Thanks
Sri

Sri,

Plan B is there in many insurance products from many companies.

What product have you purchased?

Hi
Me and my wife both are covered under plan B medica. My wife is pregnant and she is opting for the baby birth in India, Could you pls tell me how much amount will I get from my Insurance company approxmately.

Thanks
Sri

1.
As long as they are in the same age group, the price when you renew the insurance will be the same.

In case of early departure, as long as no claims have been submitted since the effective date, you will get the refund for pro-rated duration minus $25 cancellation fee.

2. It includes up to the policy maximum for injury to teeth in an accident and up to $100 for acute pain to sound and natural teeth.

For any practical dental coverage, I recommend you get CAREINGTON dental plan, available at http://www.buyamericaninsurance.com/health/dental/index.jsp It is $12/month for couple (or single) and there is one time application fee of $20.

3. Prescription for regular diabetic supplies etc. are NOT covered under any plan from any company. Insurance company will pay for prescription drugs if they are needed for any new medical conditions, injuries or accidents that may occur after the effective date of the policy.

4. No, it does not cover only in one state. These plans are meant for tourists and they are supposed to roam around the country.
Exception: Only if you start living in Florida, you are not eligible to purchase. But visiting Florida is no problem. There is no issue with any other states.

Please feel free to contact us at any time if you have any other questions.

Hi Mr Khatri,

My parents -dad age71 and mom aged 62 are visiting for 6 months from June 30th 2008 to Dec 30 2008.
My dad has diabetes (mild) well controlled on meds and my mom has no medical problems.
I am planning to buy Patriot america for 100,000/- for each of them.
1)I am planning to buy for 3 months initially in case they plan to return early. is there any price difference if get for 3 months are renew later?

2)I would also like dental coverage? is it included if not what plan is recommended?

3)When you say prescription meds are covered with the plan ,if i have a prescription for regular diabetic meds from US physician ,would it covered by the plan?

4)Does the insurance cover only within the state mentioned.I hope it is all over US?