ICICI Lombard denied claim
My mother went through a surgery and we claimed a cashless facility. Now we incurred certain expenses post hospitalisation and ICICI Lombard has denied a partial claim of ~25k INR. Can someone pls assist as to what I can do here. Sharing timelines and details below.
- Claimed 80K (I have 20% Co-pay so expected 64K refund). ICICI eventually paid only 42K.
- Out of disallowed expense, they deducted 21K for physiotherapy stating "pls share cost wise breakup".. I've already submitted Dr's prescription and invoice for this 21K (availing physiotherapy is covered in the policy).
- I've also raised a query with the support but they closed the query stating the same reason. They're not even stating the query and closing the ticket directly without any resolution.
Is there anything that I can do here. The support team seems to be of no help altogether.