http://economictimes.indiatimes.com/Personal_Finance/Insurance/Insurance_news/ICICI_Lombard_to_expand_Nirmaya_scheme/articleshow/3468650.cms

Nirmaya, the new health insurance plans for the mentally disabled launched by ICICI Lombard, sounds like very unique product. This scheme will not need a medical test for anyone who is looking to buy the policy. The annual premium charged is also quite low which covers routine medical check up, therapy to corrective surgery, and transportation.

The policy is specially designed for the welfare of people suffering from autism, mental retardation, cerebral palsy, as well as multiple disabilities. Family members of the mentally disabled person can reduce their financial load by buying such policies.
In all the policy looks very good and may be a major hit among people who are looking out for these kinds of policies for any of their family members or friends. Many NGOs will also make use of this policy for people who are mentally disabled. It is a great step taken by ICICI Lombard to benefit a part of society that is criminally overlooked when it comes to such matters.

I bought a car insurance policy through my credit card company. Amex gave me a car insurance policy through ICICI Lombard and this insurance amount was charged to my card in 12 monthly interest free installments. I did not receive the insurance policy so a month later I requested the bank to cancel the same. I have cancelled the insurance policy in question and bought another one. However, the problem is that I am being charged (on my credit card) with the installment for the premium. I have sent numerous letters and requests to Amex as well as ICICI Lombard, but there has been no response so far. What do I do? I don’t want to pay these charges and I am getting billed extra interest charges, service tax and many other such charges.