Consumer Redressal

ICICI Lombard General Insurance - Not clearing my dues! Need help in getting my full claim reimbursement which is rightfully mine. My husband underwent hospitalisation in November last year. He underwent tests as well as treatment as prescribed by the doctors at the hospital. We submitted our claim with ICICI Lombard Health Insurance but they are refusing to pay the entire claim amount, without adequate reasoning. They have simply deducted INR 42, 628, stating that for some they are unable to find bills, for some it is a therapy which was not required to be done and some amount they have not given any reasons. I don't understand what do they mean by bills not found...I have submitted each and every bill, however, if they are unable to find something, they can raise a query and I can submit the same. Similarly, what do they mean by "Therapy or treatment" which was not required? We have done the treatment as prescribed by the doctor and the hospital. I have been asking them to show me which are the treatments they feel shouldn't have been undertaken and I can get my doctor to validate the same but there has been absolutely no response from ICICI on my queries. I have called them numerous times and everytime I am told someone will call back but I don't get any call back. This simply indicates that they have no adequate reason or explanation for these deductions and are cheating their clients and hence no one is calling back! They also refuse to transfer calls to a senior executive stating that such a facility is unavailable!! I seek your urgent intervention in getting this to the relevant and top most authority and help me get my hard earned money back!