Introduction | Key Benefits | What is Covered | Claims Process | What is not covered | FAQ's

 
Introduction

A comprehensive cover, which insures you against unfortunate incidents or unexpected expenses abroad and provides timely assistance and support when you need it the most.

Overseas Travel Insurance, a comprehensive plan available with broad plans providing flexibility to choose the cover as per the needs while travelling abroad.

 

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Key Benefits
  • 32 Plan Options- so that your can customize your policy travel policy to your needs
  • Pay Per Day - No slab rates charged. You don’t pay for the days you don’t use. So next time you travel for 24 days, you will pay for 24 days and not for 30 days in the slab system
  • Cashless Medical - expenses settlement, at any hospital in the world.(Conditions apply)
  • Lightening Fast Claims - reimbursement within 7 days.(Conditions apply)
  • Immidiate Policy Issuance - no medical checks up to 70 years
  • Cover for Senior Citizens - above the age of 70 with medical check-up
  • Covers Pre-existing Ailments and Maternity - in life threatening situations
  • Coverage upto 360 days


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What is covered?
Platinum Plan | Gold Cover  |   Silver Cover  |   Bronze Cover
 
Platinum Plan :

 

Policy Coverage

  • Medical Expenses*- US$ 50,000 to US$ 500,000
    This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medically evacuation cost back to India.
  • Daily Allowance in case of Hospitalization**– US$ 25 per day for max. 5 days
    Compensation for hospitalization for more than 2 days.
  • Dental Treatment*– US$ 250
    Covers the cost of acute anesthetic treatment to natural teeth due to an injury.
  • Repatriation of Remains– US$ 7,000
    For the expenses of repatriating the remains back to India.
  • Passport Loss # #– US$ 200
    For expenses incurred in obtaining a fresh or new passport.
  • Checked Baggage Loss– US$ 500
    Compensation for the permanent loss of checked-in baggage.
  • Checked Baggage Delay– US$ 100
    Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to a delay of checked-in baggage for more than 12 hours.
  • Personal Accident– US$ 15,000
    Compensation paid in case of death or permanent total disability.
  • Personal Liability– US$ 100,000
    Compensation for damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the insured.
  • Financial Emergency Assistance– US$ 300
    Emergency cash that is available to you in case your travel funds are robbed.
  • Hijack Distress Allowance #– US$ 125 per day for 7 days
    A compensation payable in case of hijack of air or sea common carrier for more than 12 hours whilst on your trip abroad.
  • Trip Cancellation & Interruption*– US$ 500
    Reimbursement of the non-refundable prepaid payments or the additional expenses, for the trip being cancelled or interrupted due to medical problems, personal employment problems or natural disasters.
  • Missed Connection*– US$ 500
    Reimbursement of the extra expenses incurred due to a missing a connecting flight, due to delay in the arrival of the aircraft for more then 3 hours.
  • Trip Delay*– US$ 500
    Reimbursement of additional expenses incurred, up to US$ 100/- per day, if trip is delayed for more than 6 hours due to airline problems, medical problems, personal employment problems or natural disasters.
  • Home Insurance– Rs. 2,000,000 for Building and Rs. 500,000 for Contents
    To the losses that you may incur due to damage to you home from natural and man made calamities or burglary, whilst on your trip abroad.

*Deductible excess of US$ 100. ** Deductible excess of 2 days. #Deductible excess of US$ 50; # #Deductible excess of 12 hours


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Gold Cover :

A comprehensive, value for money cover that covers you against the following :

Medical Expenses*

US $ 50,000 to $ 250,000

Incurred because of illness or accident including medically necessary and prescribed emergency evacuation. It covers defined# outpatient, in-patient, medical aid, therapies and diagnostic tests.

# As defined in the policy wordings.

Dental Treatment*

US $ 250

Resulting from injury to sound natural teeth.

 

Repatriation of Remains

US $ 7,500

In case of death overseas.

Checked Baggage Loss

US $ 1,000

For complete and permanent loss of checked-in baggage.

Personal Accident

US $ 25,000

Involuntary damage to health.

Personal Liability

US $ 100,000

Resulting from death, injury or damage to health or property of a third party.

Bail Bond

US $ 5,000

If arrested or detained by police or judicial authorities of the place, for any bailable offence whilst abroad.

Study Interruption

US $ 7,500

Reimbursement for the remaining part of the current school semester fee, if studies are interrupted on account of a medical condition or compassionate reasons on the family front.

Sponsor Protection

US $ 10,000

Will pay/reimburse tuition fees in case of demise of person paying for studies.

Compassionate Visit

US $ 7,500

In case of hospitalization (exceeding 7 days) of student or a family member, where a family member visits student or student visits India. Round trip economy class tickets and accommodation (only for the family member visiting abroad) will be provided for.


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Silver Cover :

A no-frills, cost effective, pure health cover that covers you for the following:

Medical Expenses*

US $ 50,000 to $ 250,000

Incurred because of illness or accident including medically necessary and prescribed emergency evacuation. It covers defined# outpatient, in-patient, medical aid, therapies and diagnostic tests.

# As defined in the policy wordings.

Dental Treatment*

US $ 250

Resulting from injury to sound natural teeth.

Repatriation of Remains

US $ 7,500

In case of death overseas.


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Bronze Cover :

The covers that will be available to the student in the Bronze Plan, under the ICICI Lombard Student Travel Insurance would be as follows,

Sponsor Protection

US $ 10,000

Will pay/reimburse tuition fees in case of demise of person paying for studies.

Study Interruption

US $ 7,500

Reimbursement for the remaining part of the current school semester fee, if studies are interrupted on account of a medical condition or compassionate reasons on the family front.

Compassionate Visit

US $ 7,500

In case of hospitalization (exceeding 7 days) of student or a family member, where a family member visits student or student visits India. Round trip economy class tickets and accommodation (only for the family member visiting abroad) will be provided for.

Bail Bond

US $ 5,000

If arrested or detained by police or judicial authorities of the place, for any bailable offence whilst abroad.

Personal Liability

US $ 100,000

Resulting from death, injury or damage to health or property of a third party.

Personal Accident

US $10,000

Involuntary damage to health.

Checked Baggage Loss

US $ 1,000

For complete and permanent loss of checked-in baggage.


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Claim Process:
Cashless Claims | Non-Cashless Claims | Documents Required

For Cashless Claim Settlement

  • The Insured shall immediately contact the Help Line of the Third Party Administrator stating the necessary details. The phone numbers of the Help Line is :
    From USA to Cananda : +1 866 625 8529 (Toll Free)
    From the rest of the world : + 91 11 5189 8868 (Call back facility)
    Fax : + 91 11 5189 8801 Email :
    travelclaims@icicilombard.com
  • TPA would validate and authenticate the claim
  • TPA settles bills directly with hospitals/ provides remittance

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For Non Cashless Claim Settlement
  • The Insured shall immediately contact the Help Line of the Third Party Administrator stating the necessary details. The phone numbers of the Help Line is :
    From USA to Cananda : +1 866 625 8529 (Toll Free)
    From the rest of the world : + 91 11 5189 8868 (Call back facility)
    Fax : + 91 11 5189 8801 Email :
    travelclaims@icicilombard.com
  • TPA would validate and authenticate the claim
  • The insured must submit the required documents and completed claim form as per TPA guidance
  • TPA would check and reimburse payments within 7 days.



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Documents required for filing a claim
  • Duly completed and signed claim form
  • Policy copy
  • Air ticket jacket / boarding pass

Additional documents required

  • For Health Cover
    • Original Doctor’s statement mentioning the ailment and treatment prescribed
    • Original hospital bills / receipts for the amount fully settled. In case of unsettled hospital bills, to furnish the original payment receipts, which give a clear indication that, the amount due to the hospitals have been settled in full.
  • For Delay of Baggage
    • Original receipts for emergency purchases made during the period when the baggage was delayed
    • Letter from airline as to when the baggage was returned back to the insured and if any compensation is paid for settlement of claim for delay of baggage.
  • For Loss Of Baggage
    • Property Irregularity Report issued by the airlines.
    • Letter from airline confirming that the baggage has been permanently lost
    • And if any compensation is paid towards settlement of claim Description of items lost along with relevant bills (bills are must for items valued in excess of USD100)
  • For Loss Of Passport
    • Receipts for obtaining duplicate passport / travel documents
    • Made to embassy of India for making duplicate passport, Emergency
    • Certificate issued by embassy of India; stamps, cost of a professional account or solicitor (Excluding any transportation involved in getting duplicate passport.)

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What is not Covered
  • Medical expenses arising out of
    - Pre-existing conditions
    - Addiction to alcohol, drugs
    - Mental disorder, anxiety, depression
    - Venereal diseases
    - Sexually transmitted diseases, AIDS, HIV
    - Radiation, nuclear weapons induced
    - Sporting activities
  • Expenses arising out of loss valuables, money, securities and tickets
  • Loss of passport in public places
  • Personal liability of the insured
  • War and war like consequences

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FAQ's
  1. Why do you need Travel Insurance?
  2. What happens if I fall sick when I am overseas?
  3. What is a TPA?
  4. In the event of an accident or illness, what if it is not possible to consult a physician or a doctor?
  5. What happens if a pre-existing illness is not declared at the time of obtaining a policy?
  6. What if I lose my passport? Is that covered?
  7. What happens if my baggage is delayed for more than one day but not lost?
  8. What is ‘pre-existing illness’?
  9. What if I fail to produce the required documents?
  10. Within how many days should the claim for insurance benefit be submitted?

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Why do you need Travel Insurance?

It is very important that we plan for our vacations in foreign countries. While we can plan and prepare for most issues there are sets of imponderables beyond our control. Unpleasant and unfriendly as it sounds, accidents or illnesses are often inevitable and unpredictable. It does not take a big event to ruin your holiday abroad. Eating out at the wrong place, or even just missing a step on a flight of stairs can spoil your vacation. This problem can get compounded when we have to fend for ourselves by having to bear hospital expenses in foreign exchange, and without friends or family close at hand. Medical problems are just one of the many serious situations we can find ourselves in. There are seemingly simpler situations like delayed baggage, lost baggage etc.

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What happens if I fall sick when I am overseas?

In case of emergency, go to the hospital and avail of treatment. Then call the help line number and they will assist you in providing for cashless services.

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What is a TPA?

TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

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In the event of an accident or illness, what if it is not possible to consult a physician or a doctor?

In an event of an accident or illness if it is not possible to contact a physician or doctor, an alarm centre should be contacted immediately. They will help organise medical services for you

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What happens if a pre-existing illness is not declared at the time of obtaining a policy?

Pre- illnesses are not covered whether a person is aware of it or not unless they are life threatening.

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What if I lose my passport? Is that covered?

Yes, passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.

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What happens if my baggage is delayed for more than one day but not lost?

ICICI Lombard Overseas Travel Insurance policy covers baggage loss and delay.

If your baggage is delayed for more than 12 hours, the compensation for emergency items purchased, like medicines, clothing and toiletries, would be given.

If your baggage is lost, then compensation for the market value of the items lost is given.

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What is ‘pre-existing illness’?

A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy. This policy does not cover pre-existing diseases even if:

  • The illness had not been treated.
  • The illness is already treated.
  • Medical advice has been sought in the last six months before commencement of the trip abroad.
  • Also includes the consequences of all these.

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What if I fail to produce the required documents?

There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.

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Within how many days should the claim for insurance benefit be submitted?

Claims should be submitted in 30 days that is within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person’s remains / burial.

 

 ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. Misc 30.