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Introduction
All overseas travel policies charge premium on a slab basis. Which means if you are on a 16-day trip, you end up paying for 21 days, as the slab is 14 to 21 days. But with us you ‘pay per day’.
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| Key Benefits
Cashless Medical Service, at any hospital in the world
Special Family Plans and Annual Multi-Trip Plans to save you money
Immediate policy issuance, no medical checks
Coverage up to 85 years*
Claims settlement in 7 days, with minimum documentation
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| What is covered? |
| Platinum Plan | Gold
Plan |
Silver Plan |
Senior Citizen Plan |
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| Platinum Plan : |
Policy Coverage
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Medical Cover*- US$ 50,000 to US$ 250,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India. |
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Daily Allowance in case of Hospitalization**– US$ 25 per day for max. 5 days
Compensation for hospitalization for more than 2 days. |
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Dental Treatment*– US$ 250
Covers the cost of acute anesthetic treatment to natural teeth due to an injury. |
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Repatriation of Remains– US$ 7,000
For the expenses of repatriating the remains back to India. |
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Passport Loss** – US$ 200
For expenses incurred in obtaining a fresh or new passport. |
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Checked Baggage Loss– US$ 500
Compensation for the permanent loss of checked-in baggage. |
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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. |
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Personal Accident– US$ 15,000
Compensation paid in case of death or permanent total disability. |
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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. |
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Financial Emergency Assistance– US$ 300
Emergency cash that is available to you in case your travel funds are robbed. |
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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. |
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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. |
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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. |
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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. |
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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 Plan : |
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A comprehensive,
value for money cover that covers you against
the following : |
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Medical Cover*-US$ 50,000 to US$ 250,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India. |
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Dental Treatment*– US$ 250
Covers the cost of acute anesthetic treatment to natural teeth due to an injury. |
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Repatriation of Remains – US$ 7,000
For the expenses of repatriating the remains back to India. |
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Personal Accident Compensation – US$ 15,000
A compensation given in case of death or permanent total disability. |
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Passport Loss** – US$ 200
For expenses incurred in obtaining a fresh or new passport. |
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Checked-in Baggage Loss Compensation– US$ 500
Compensation for the permanent loss of checked-in baggage |
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Checked-in Baggage Delay Compensation – 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. |
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Personal Liability Coverage– US$ 100,000
for damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the insured. |
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Financial Emergency Assistance– US$ 300
Emergency cash that is available to you in case your travel funds are robbed. |
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Hijack Distress Allowance#– US$ 125 per day, for maximum of 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. |
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| Silver Plan : |
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A no-frills, cost
effective, pure health cover that covers you for
the following: |
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| Senior Citizen Plan : |
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The covers that will
be available to the student in the Bronze Plan,
under the ICICI Lombard Student Travel Insurance
would be as follows, |
Policy Coverage
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Medical Cover*-US$ 25,000 to US$ 50,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India. |
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Personal Accident Compensation – US$ 15,000
A compensation given in case of death or permanent total disability. |
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Passport Loss** – US$ 200
For expenses incurred in obtaining a fresh or new passport. |
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Checked-in Baggage Loss Compensation– US$ 500
Compensation for the permanent loss of checked-in baggage |
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Checked-in Baggage Delay Compensation – 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. |
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Personal Liability Coverage– US$ 100,000
for damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the insured. |
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Financial Emergency Assistance– US$ 300
Emergency cash that is available to you in case your travel funds are robbed. |
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Hijack Distress Allowance#– US$ 125 per day, for maximum of 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. |
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For Cashless Settlement
1. Inform Third Party Agents (TPA) Help line and register a claim. You can get in touch with them from US
or Canada at +1866 625 8529 (Toll free), or call on +91 11 5189 8868 from Rest of the world (Call back facility) or fax the TPA on +91 11 5189 8801
2. TPA would validate and authenticate the claim
3. TPA settles bills directly with hospitals/ provides remittance
For Reimbursement Settlement
1. Inform Third Party Agents (TPA) Help line and register a claim. You can get in touch with them from US or Canada at +1866 625 8529 (Toll free), or call on +91 11 5189 8868 from Rest of the world (Call back facility) or fax the TPA on +91 11 5189 8801
2. TPA would validate and authenticate the claim
3. The insured must submit the required documents and completed claim form as per TPA guidance
4. TPA would check and reimburse payments within 7 days.
This claim form must be used if you are covered under the following policies:
- Medical Accident & Sickness Expenses
- Loss of Baggage while traveling
- Delay of Baggage
- Trip Delay
- Personal Liability
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 |
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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
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| FAQ's |
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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 is a TPA?
A TPA is a Third Party Administrator or the Claims Assistance Company.
They are an assistance company that will provide you the assistance you need. The most essential service they provide is CASHLESS medical services. They will also assist you with your other claims and provide you with information you may need to deal with a problem. |
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What is ‘pre-existing illness’?
A ‘Pre-Existing Condition’ means illnesses and the consequences of such illnesses existing or known at the commencement of the stay abroad. This is applicable:
- Even if the illness had not been treated.
- If the illnesses is already treated.
- If medical advice has been sought in the last six months before commencement of the trip abroad.
- It also includes the consequences of all these. |
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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 if I lose my passport? Is that covered? Yes, passport loss is covered in our policy. The insurance will cover expenses incurred towards the procurement of a duplicate / temporary passport. |
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What happens if my baggage is delayed for more than one day but not lostabout baggage loss?
The ICICI Lombard over travel insurance policy covers baggage loss and delay.
If your baggage is delayed for more than 12 hours, the compensation would be for emergency items purchased – like medicines, clothing and toiletries.
If your baggage is lost, then compensation is given for the market value of the items lost. |
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| What happens if I fall sick when I am overseas? In case of the insured being hospitalized for more than 7 days the family members can visit the student abroad. They are eligible for round class economy class tickets and accommodation for the trip would be provided to the person visiting. |
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| What is a TPA? A TPA is a Third Party Administrator or the Claims Assistance Company. They are an assistance company that will provide you the assistance you need. The most essential service they provide is CASHLESS medical services. They will also assist you with your other claims and provide you with information you may need to deal with a problem. |
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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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| 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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ICICI Lombard General
Insurance Company Limited. Insurance is the subject
matter of solicitation. Misc
4030.
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