ICICI Lombard Denied ₹50L Claim: Nominee Won

ICICI Lombard rejected a ₹50 lakh personal accident claim citing misrepresentation. But the insurer's own investigator said the claim was valid. The Kurnool Consumer Commission ordered ICICI Lombard to pay. Here's what every policyholder and nominee must know.

Here's what happened: ICICI Lombard rejected a ₹50 lakh personal accident claim alleging the policyholder had misrepresented information at the time of purchase.. The insurer's own appointed field investigator submitted a report finding the claim valid and the accident genuine — contradicting ICICI Lombard's denial.. The Kurnool District Consumer Commission ruled this contradiction amounted to deficiency of service and directed ICICI Lombard to pay the full ₹50 lakh to the nominee..

What you should do: Save a signed copy of your insurance proposal form the day you buy any policy — this is your primary defence against future 'misrepresentation' claims.. If your claim is rejected, write formally to the insurer requesting the full investigation report under your right as a complainant — insurers must share it.. File a complaint at your District Consumer Commission if the insurer's rejection contradicts any report or document they themselves generated — filing fees are under ₹1,000..

Pro tip: request the insurer's investigator report in writing within 15 days of rejection — if it contradicts the denial, that single document can win your consumer court case without a lawyer.