I am Kamal Parmar, Indore, MP registered for the ICICI prudential life insurance for my wife, Manjula Parmar. My policy no. is 05995316, commencement date: 25/08/2007 for 3 years depositing total sum of 45000/-, as stated by the agent. I chose the periodic payment method of 15000/- yearly and deposited two premiums, first 15000/- in 2007 and second sum of 15000/- in 2008. However I was unable to deposit the third premium of 15000/- for the year 2009 due to financial issues in my family.

Now the ICICI fellow says that I must have given all 3 premiums for the refund to take place and now I won't receive any refund, it was not stated by the agent when I was registering for the policy. Now to overcome the financial problems I requested the ICICI customer care for the refund of my amount and the are denying to refund me.

Please help me find a solution as I am in much need of my investment refund soon.

Thank You.

Kamal Parmar
Policy No.: 05995316
Policy Name: ICICI Prudential Life Insurance
Contact No. 094253-45583

I am Amit Gupta[student] registered for United India Insurance Co. Ltd.The insurance is provided to us by our college.[MANIT,Bhopal].My policy number is 190101/47/08/99/00000129 and my card number is 52010508124427z.I have applied for the insured sum on 22nd october 2009.My policy is valid till 25th Nov 2009
My claim was not approved because there was no formatted bill in my file(in fact i have submitted every bills,discharge ticket too).They warned me to submit this formatted bill to process further.This status was shown after one month i.e. December on their website.Then I have submitted the documents again(photocopy) plus the formatted bill to their branch office in Bhopal in the month of February.Now the official fellows says that they have forwarded the papers.But the status of my claim is shown as rejected on their website
"http://www.medsave.in".
I have inquired many times but got no satisfactory answer. Kindly help me out regarding the matter.

Amit Gupta
Student[MANIT ,Bhopal]
Card No:5201050812447z
Policy No:190101/47/08/99/00000129
Mobile:7879603802

Hi Kamal,

Someone from ICICI Prudential will get in touch with you in the next four hours.

- ICICI Prudential

Dear Sir/Ma’am,

This is in pursuance to the reply dated 10.03.2010, sent by your Company in response to the Complaint raised by me, regarding the betrayal of trust by your employees and the blatant misguidance done by them to further their own interests.

As i have mentioned earlier my complaint is regarding my policy Smart Kid Unit Linked (RP) bearing no. 02808537. I have already elaborately explained in my earlier mails, that at every step while taking the policy I was assured by your representatives and employees that my policy would have a 3 years CCO option, and it is mainly due to this option that I had undertaken the policy.

At the first instance, Ms. Mahek Bhamra, while explaining the key aspects of the Policy had assured me that under the Smart Kid Unit Linked (RP), I would have the advantage to avail the 3 year CCO option and that the Policy cover would be of Rs. 25, 00,000. However, later on when I received the policy, the cover was for only Rs. 5,00,000 to which Ms. Bhamra had explained that as a medical test could not take place the cover was reduced. At that point I had decided not to report or raise this issue.

Further, after obtaining the policy, Mr. Amit Saraf was assigned as my Relationship Manager, and it was informed to me that all aspects of my Policy would be handled by my Relationship Manager. It is important to note that Amit Saraf assured me that after payment of three premium installments, I could take the advantage of the 3 year CCO option. In furtherance to the same at the end of 3 years and after the payment of 3 premium installments, he had mailed an application to be signed by me, stating that I had decided to opt for the 3 year CCO option, as instructed I duly signed the Application.

From the above mentioned it is abundantly clear that throughout the three years of my policy I was informed by my Relationship Manager that I could avail the 3 year CCO option under my policy. This is further elaborated by the fact that after sending the application I had received a premium payment reminder, in order to clarify I had contacted Mr. Amit Saraf. Mr Saraf had insured that he would sort the matter as after opting for the 3 year CCO Premium payment is not required, in pursuance of the same Mr. Amit Saraf had mailed within ICICI Prudential to find out the reason for Payment reminder.

From the perusal of the mails it can be seen that the even the representatives of ICICI were under the wrong impression, and the same had been conveyed to me. However, in the reply sent by the Company, no reliance has been placed on the above mentioned facts and I have not been informed whether any action has been taken against the employees who have cheated and fooled me, rather the Company has only placed all the blame on my shoulders without providing any solutions for the same.

Therefore, in light of these exceptional circumstances I should be allowed to avail the 3 year CCO option. It should be noted that I have not made any defaults in the payment of policy premium and that ICICI Prudential currently also offers a 3 year CCO option in its Insurance Policies. Otherwise, I will be compelled to take a legal action against you.

Yours sincerely,

Pavan Kumar Vijay

Hi I dont know any policies or any offer from ICICi pru life,whenever there agents or fellows used to call me,i simply use to tell "I am not interested".

Yesterday i got an sms on my number taht i have enrolled for a policy and i need to pay it by 5th october10 a premium of 2806.

I called customer care and after waiting there for 15 min someone picked the call,and i told about my problem that i have not enrolled for any policy then he told that may be you are having icici bank account.
And then he cut the phone.Now i have only one option to Withdraw from every service i am availing from icici bank as its a risk,they can use my credit card also and tell any blah blah reason.

Please avoid ICICI bank.They dont care for their customers.Today i am pissed of like anything.

Originally Posted by avinashavisingh

Hi I dont know any policies or any offer from ICICi pru life,whenever there agents or fellows used to call me,i simply use to tell "I am not interested".

Yesterday i got an sms on my number taht i have enrolled for a policy and i need to pay it by 5th october10 a premium of 2806.

I called customer care and after waiting there for 15 min someone picked the call,and i told about my problem that i have not enrolled for any policy then he told that may be you are having icici bank account.
And then he cut the phone.Now i have only one option to Withdraw from every service i am availing from icici bank as its a risk,they can use my credit card also and tell any blah blah reason.

Please avoid ICICI bank.They dont care for their customers.Today i am pissed of like anything.

I am not going to pay any premium amount,this is fraud and i totally oppose it...
Just to complete some sort of targets they harass people unnecessarily.Now i am thinking to go to Consumer Forum in person and lodge a complain against them if any action not taken with in 48 hours,I have their message also which they have sent on my cell.

It has been almost 1 and half months back I paid the Term Insurance amount and also completed my medicals on time. I was suppose to recieve the reply 1 month back as per the mail below.

I am continuously following with ICICI Pru team but there is no reply from them. Today I again called Anshuman Mishra and he told me that my medical report display that I am a smoker. I was really shock with the statement as I have never smoken in my life. I also confirm with concern doctor immediately and she assured that all reports are good and there is no such detection.

Its seems I have been harrassed by ICICI Pru team since I want my money refund. I completed my medicals 1 month back and now Anshuman is saying you are somker and you need to pay more premium. this is absolute case of cheating and harrassment.

I have never smoked in my life then how could you say like that. Also, doctor has agreed that there is no such evidence in medical report.

I request ICICI Prudentail team to refund my money back and do not want to continue with ICICI Prudential

Pankaj Kulkarni
24th Nov, 2010

i, one of the icici pru life insurance holder with the advice of smt. sharma working at ahmedabad office near law garden, hereby informed that i taken policy with the advice of smt. sharma who is working with ur office and from some time, she is having some 3rd class msgs on her mobile by her bosses Ajay Rajvanshi, ZM and Rohan Patel, BM and forcing hard to make some relation with. she refused and she was harrased ***ually, mentally and finally she forced to leave the job though she was a hardworker and given full force to give big business to the company. but fianlly she left the job and now she is on roadlike. i wish that matter may pl be keep confidential as they can do mischieves with her record and she will never get new job on previous records. i seen that lady working seriously and put her best in job. so i cant see this scenerio with that lady. i wish that action may pl be taken on both the bosses. This type of misbehave in ur reputed company will mislead the market value.

This insurance company is not well established like LIC. The annuity payments in Pension policies are never paid in time and one has to run about from pillar to post. All auto messages and responses without any positive action. The initial response comes that they will respond within 2 days. After 2 days u get a message that it will take another 5 working days. please note " Working" Even though it implies a calender attribute it actually means when their personnel will work to resolve the issue. After dragging on like this u will get a message they are unable to find why it has not been credited into account and the client ned to check with bank and a statement that same is not credited. there is no end to this.
Presently LIC is best company in all aspects and icici prulife has emulated the old service of LIC. LIC annuity comes ontime and never fails even GOD fail. Their customer service is now excellent. Once a complaint is registered they will be after that to resolve and in fact contact you also on same.

Thus the annuity policy 11486154 i acquired after the expiry of Forever policy has been the foolish thing in My life to remember forever. Once you have opted for "Annuity for Life" then this company will harass you and make u dies earlier so that nothing is payable to anyone on death as per terms of the Policy.

The moral is never deal with companys. Go only to GOVT owned LIC which is the best now in the marke eventhough the returns may be conservative. The Private companys fool public by various attarctive schemes not to be honoured after the Policy lapses. U have not channel to redress also since IRDA is also just a slave to them. They are reluctant to even accept a complaint. They will ask you to await a response which never comes with a solution. One has really struggle more with IRDA since you will never get any response for a mail or letter. Recently they have grievance No:155255 which telephone is attended immediately but the receiver is afraid to register any complaint. During a recent interaction they gave icici prulife No:42058000, Gayatri Nathan. But if you ring this number You will find all the grievance cell in the world are better than this. They do not even wish to talk to you and know the Problem or Grievance. I think they are nopt paid for it.

My Name is BALJINDRA SINGH.

I had visited the Sec-14 Gurgaon branch of icici Pru on 22 jan 2011 for Email ID, address and Mobile
number change and lady answered me that everything would be updated in 15
mins and she gave me a sealed acknowledgement slip. I asked her to give me any contact number to contact if it is not done then she didn't even bother to listen and said revisit the branch if it doesn't happen, Such an unprofessional behaviour!! . She was very rude in response and just
wanted to get rid of customers.

I also need payment receipt for the payment made . System is showing just 9000 rupees receipt while I paid a lot more than that. Nothing is being updated--Please assist. My number is 9990098110.I have to submit the certificate for tax filing.

Thanks,
-Baljindra

I am pawan sohal from Ludhiana.I have policy no.11106392.worth rs.30000 for 3years that means 3x 30000=90000 .I am very disappointed, sad and frighten by the way ICICI Prudential’s ethics and procedures at work.What is the responsibilty of icici? they dont know? when they want policy,they call day & night for getting policy.......But when they received there policy ,after that they don't know who is ur customer ? what is this?
I am already give my 3rd installments but?I am very much surprised that i am getting this policy from mr.paramjit singh behalf of mr.Rohit Head Sales Manager.They do not get me their even single response about my policy status.They do not interested to attend any call from me.They told fake promises with me.Even they dont give me any ID to check my nav.I call them 100 times they have not time to attend my 1 call.
After 2 Years i already deposited 60000=00 Rs.But my growth is only 2000=00.They told me guruanteed 115% means 15% return.what is this? your can get this on bank even less than 6 months.Please take your positive step early.Please clear all this matter hope so,I can not recommend any one to purchase icici any policy if i dont recieved any information from icici.
I hope you will understand my problem.
Thanking you
Pawan Sohal
Contact No, 98153 03435

Dear coustmers ,

Please dont apply an insurrance in icici prudential because i have applied a insurance 15days back but still now we have not recieved a insurrance bond the excutive Name LAKSHMAN IS NOT PROVIDEING A BOND THEY ARE THE BIG CHEATERS PLEASE DONT APPLY THE INSURRANCE IN ANY CASE

i want to check the status of policy on line without login. my name is vikas policy no. 14531068. please advise me how to check on line please mention the website.this policy purchase in 2010-2011 finacialyear

regards,
vikas

I have received a term policy,but there are certain discrepancies in the policy and i have seekd clarification for last 2 weeks ,but no reply.
The guy who used to beg to me to take the policy is all of a sudden missing.If the complaint is not resolved in the next 2 days,I will take up the matter with IRDA .

My name is Mohan GK policy number 14761238.I have already
registered 2 complaints in the call centtre and on mail.Waiting for an earnest
reply.

Mohangk

Hello I am Vinod Goel . My policy no. 010596465. Why? the company do not pass my claim? I have hepatitis C. The company says that this is major disease , so the company do not allow such claim. But I mentioned in the form when I was taking ICICI prulife policy. Also after 2 years I want a claim . so why company is refusing . Tell? What is the reason behind this? When I talked with a costumer care , they just disconnect the phone. If you not pay this claim I will appeal in the consumer court.Please send reply to goel.chintu@yahoo.com

Dear All,

Pls let me know what is the status of my policy mail sent you on 28th Feb and also confirmation mail received from your team stating that this query will resolve with in 10 working days but still not yet.

My policy number-07756671, invested in FEB-2008 as single premium, but the agent who collected my policy he made it as a regular policy which i am not knowing till now because during that time i was handling Cochin Location this policy document delivered to my CHENNAI resi addressed so i didn't check this policy document.

Now this policy almost completed 3 yrs, so i call for customer service to check my balance of this policy, while checking i will come to know that my policy logged as a regular premium not a single premium and also told that due to non payment this policy has been foreclosed in this 25% of my outstanding amount also sent to resi address but due to residence changes this chq return back.

MY FIRST QUESTIONS, IF THIS IS A REGULAR PREMIUM CASE THAN WHY I HAVE NOT RECEIVED ANY DUE REMINDER NOTICE TO MY ADDRESS(TILL 2010 DEC I AM STAYING THE SAME HOUSE ONLY).

BECAUSE OF YOUR TEAM MISTAKE NOW I LOSS FAITH ON ICICI PRU, SINCE MY POLICY WAS GETTING COMPLETED 3YRS NOW, BUT DUE TO MISTAKE FROM YOUR TEAM GUYS I AM UNABLE GETTING MY MONEY BACK..

THIS IS MY HARD EARN MONEY I INVESTED ONLY FOR MY TAX BENEFIT. JUST TEL ME ONE THING INVESTING 50K AND THAT TO AFTER THE 3YRS I AM GETTING ONLY 10K MEANS ITS NOT A GOOD INVESTMENT, INSTEAD OF INVESTING YOU PEOPLE IF I PAID TAX TO MY SALARY THAT WILL HELP ME TO SAVE SOME AMOUNT.

SO UNDERSTANDING THE SITUATION KINDLY REFUND MY INVESTED AMOUNT OF RS-50K ON PRIORITY.

Rgds

AzeezAhmed / 8056001109

Mr.Mehmood Ali Molla of Millenium Branch-Kolkata unnecessary calls from ICICI Prudential frequently from last 2 months. I have told him many times that i am not interested and delete my number from their database. But they are ignoring my request and calling frequently still. Please confiscate him from your branch. Kindly do asap.

Hi,

I have applied the term assurance plan (application no OL10002481) during early May 2011 and the medicals etc done by mid May....All documents were provided by 12 May 2011. However, even after providing regular reminders the Company is not reverting on the status of my application. Even, i have lodged complaint to their grievance department who confirmed that they will revert in 5 days, however even after passing of 10 days, i have not received any response from them.

The worst insurance provide I have seen ....when they are so unconcerned at the time of taking business what would they do in unfortuate case of claim settlement....guys, i have done a mistake but you please take care!

Sandeep Dhawan

Dear Sir/Ma’am,

I am writing this to let you know regarding the betrayal of trust by your employees and the blatant misguidance done by them to further their own interests and it looks like I am not the only scapegoat of this.They have fooled so many people and it needs to stop. They are ruining the ICICI name for their own gains.

I had small amount of money in my savings account and the rep came to our apartment and told me that I should transfer the money into an annuity. It's a one time deposit and my money will double in 7 years. He told me that I don't need to deposit any more money. But these were all false promises after I saw the policy. It was a life insurance policy and I am told that I need to deposit money for atleast 3 years to get my money back.

Just today, I got the statement and they have deducted a large amount for service fee. Not sure for what? This is a racket and someone should take action.

Sincerly,
K Jain

Egon Religare insurence company -worst company,, Blackmailing after Trapping customer, Egon Religare insurence company -worst company,, Blackmailing after Trapping customer, Egon Religare insurence company -worst company,, Blackmailing after Trapping customer

Dear Sir/Ma’am,
ICICI life insurance the most bogus life insurance. I opened up two policies by advice of one insurance
consultant Mr. Athawale. For any renewal he never came.
After matuarity one person Mr. Rakesh Chavan ( cell no 9922431884 ) came from ICICI , he is employee and asked me to close these two policies as matuared & re-invest the same money in a new policy, considering that he will timely transfer this money from old matuared policy to this new policy, which I have to pay for 3 years, 1st year he done the procedure thereafter he left me helpless. Till from lasy 5 months he is coming to collect the documents. This is the blatant misguidance done by him to further their own interests and it looks like I am not the only scapegoat of this.They have fooled so many people and it needs to stop. They are ruining the ICICI name for their own gains.

Sincerly,
Revankar Sunil

The Grievance Redressal Officer ( GRO)

ICICI Prudential Life Insurance Company Limited

SUB : ICICI Pru Guranteed Savings Insurance Plan – UN 105N114V01

Policy No. 15583074


Dear Sir,

Me Maya Chatterjee ( age 58), my husband Tarun Kumar Chatterjee ( 65) a retired PSU Executive and daughter Sagari are joint account holders of ICICI Bank for more than 15 years ( A/C 006001002938 Visakhapatnam).
In May-2012 we have settled at Kadugudi, Whitefield, Bangalore and therefore my husband went to the nearest ICICI Branch at ITPL and met Ms Madhu Chhanda ,Branch Manager who very promptly transferred our account to ITPL Branch and even organized a Platinum Debit Card. She demonstrated respect to elderly couple like us and in turn win our confidence and trust.
During our subsequent visit, we expressed our desire to make a gift investment plan for our grand daughter Aashna Mukherjee ( one year old, born in USA). Ms Madhu Chhanda very promptly suggested us this policy by giving a very sketchy information of the scheme . She and her team collected some information limited to family particulars from us got a blank application form signed and collected a cheque of Rs 1,10,000/- of SBI . Within couple of weeks we received the policy document. My husband could not go thru the document as we had to leave for Kolkata and we had immersed faith and trust on a responsible Branch Manager who happens to be our daughters age.
Last week during a senior citizen meet at our housing complex, my husband wished to recommend this Plan to his group of friends and while going thru the policy document in detail got the rude shock…..
1. The policy is not a Gift Package for our grand daughter which we intented.
2. It is a good investment instrument for younger age group profile, NOT CERTAINLY for aged person like us.
3. From the Xerox copy of the application form attached as part of the policy document we find some incorrect information are entered ( cols 10 to 18 and 21). I am a simple housewife since 1978 and NOT a teacher mentioned , the name of the Institute is alien to me . Why such wrong entry was made in the application form is not understood.

It is in this background, we request GRO and Management of ICICI to consider
A. In consideration to the age of the proposer ( 58) and husband ( 65) who were not properly guided by a responsible Branch Manager whom we had trusted, this policy is certainly not suitable for our entry age by any logic and therefore grant us full refund by cancelling this policy. The refunded amount will be kept in in a suitable term deposit account at ICICI.
B. The application form itself has some vital errors, the reasons of which is not known to me as I was asked to sign a blank application form which I did in good faith.
D. This case should be viewed with Human angle without any delay .I am diabetic with hyper tension and heart ailment and under constant medical care. Any delay will cause further injury, stress and mental agony to me and my husband.

( MAYA CHATTERJEE)

CMA-701. GOLDEN BLOSSOM

KADUGUDI,BANGALORE.560067

080-25951629 ( 9483954276)

e-mail : tchatterjee4@ hotmail.com

The Grievance Redressal Officer ( GRO)

ICICI Prudential Life Insurance Company Limited

SUB : Return my medical bills.
UIN NO. : 105L087V01
Policy No. 13079092


Dear Sir,

My name is Rajan Jain having mediclaim policy no 13079092 with your organisation. I had undergone a hysterectomy surgery on 09th nov 2011 at SIR GANGA RAM HOSPITAL NEW DELHI.I have filled papers for mediclaim amount but the same were rejected due to some of your condition.
But the documents which were filled by me has not been returned to me till date and your executives are making remarks like such document cant be return and they are with your head office based in mumbai.So, this is kind request to you to kindly return my medical bills as if such medicalim cant be processed by you.


Seeking for your kind and early attention.


Regards,

Rajan Jain

09869088754

Dear Mr.Jain,

We regret the inconvenience caused. Your concern has been noted down and someone from ICICI Prudential Life Insurance will get in touch with you within 4 hours.

Regards,
ICICI Prudential Life Insurance

Dear Mr. Jain,


We understand our representative has contacted you and accordingly a resolution has been send to your registered communication address.


In case of any further clarification, please contact us on our toll free number 1860 266 7766 or write to us at lifeline@iciciprulife.com.


Regards,
ICICI Prudential Life Insurance