ICICI Lombard Travel Insurance

ICICI Lombard travel insurance - benefits

Coverages	Platinum	Gold	Deductible
Medical Cover*	$50,000 / $100,000 / $250,000 / $500,000	$50,000 / $100,000 / $250,000 / $500,000	$100
Cashless hospitalisation worldwide	Available	Available
Daily allowance for hospitalisation^$	$25 per day, Max 5 days	-	2 days
Dental Treatment	$250	$250	$100
Passport Loss	$200	$200	$50
Checked-in Baggage Loss	$500	$500
Checked-in Baggage Delay**	$100	$100	12 hours
Personal Accident	$15,000	$15,000
Personal Liability	$100,000	$100,000
Financial Emergency Assistance	$300	$300
Hijack Distress Allowance	$125 per day, Max 7 days	$125 per day, Max 7 days	12 hours
Trip Cancellation & Interruption	$500	-
Missed Connection	$500	-	3 hours
Trip Delay	$100 per day, Max $500	-	6 hours
Home Insurance# - Building - Content	Rs. 2,000,000 Rs. 500,000	-
Repatriation of Remains	$7,000	$7,000
180 days Policy extendable upto 360 days	Availbale	Availbale

* - The deductible for medical cover is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
Note: For medical Cover the maximum amount that can be claimed per illness or injury is $100,000. Further sub-limits applicable for persons aged 56 and above.
# On value - Building insured on reconstruction value, Contents insured on their present market value
$ - 2 days deductible - If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period
** - Applicable if baggage is delayed for more than 12 hours from actual arrival time of common carrier

ICICI Lombard travel insurance - Limit of Covered Expenses

For policies with medical expenses Sum insured over $100,000, the limit of liability of the company will be restricted to $100,000 per sickness, disease or accident contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/ or hospitalization expenses.

For persons aged 56 years and above, the maximum eligible medical expenses per sickness, disease or accident contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses are as mentioned in the table.

Medical Sublimits for aged 56 years and above
Hospital Room and board, and hospital misc. Expenses	Max $1,600 per day up to 30 days.
ICU	Max. $3,000 per day up to 7 days
Surgical treatment	Max. up to $12,000
Anaesthetist services	up to 25% of surgical treatment
Physician's visit	Max. $75 per day up to 10 visits
Diagnostic and pre-admission testing	Max. $750
Ambulance services	Max up to $500

ICICI Lombard medical insurance - Key points

Pay Per day: Slab rate for first 7 days only, then pay on a per day basis.
Pre-existing diseases are covered under life-threatening situations.*
The insurance also covers medical evacuation costs back to India.
No medical check-up required up to the age of 85 years.
Avail quality health care through our tie up with United Health International (leading US based health care provider).
Coverage available up to 360 days (Original policy for 180 days and extension for additional 180 days)
Cashless hospitalization facility available worldwide.
Extend the policy online in case you extend the trip, pay only for number of days extended.
This policy also covers you for hospitalization# in case of Swine Flu / H1N1 influenza.

# If it's not a pre-existing illness
* Conditions Apply

ICICI Lombard Overseas Travel Insurance - Eligibility

The insured needs to be between 1-70 years of age.
If you are above 70 years of age, avail our Senior Citizen Plan

ICICI Travel insurance - Exclusions

Medical expenses arising out of :

Pre-existing conditions except in case of life-threatening situations
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 of valuables, money, securities and tickets
Pregnancy, childbirth and any consequences thereof
Loss of passport in public places

Inform our help line numbers to register a claim. You can get in touch with us at the following:

USA: + 1 877 352 7706 (Toll Free)
Canada: + 1 877 352 7693 (Toll Free)
Rest of the world: +91 22 6787 2010 (Call back facility)
India: 1-800 209 8889 (Toll Free and Accessible in India only)
Fax: +91 22 6734 7888
E-mail: travelclaims@icicilombard.com

ICICI Lombard travel insurance - Claim Process

Cashless settlement

Hospitalisation/Financial Emergency/Bail Bond

Inform TPA Helpline and register claim aboard

Validation & Authorisation

TPA settles bills directly with hospital/provides financial assistance

Reimbursement

Medical Expenses & other claims

Inform TPA Helpline and register claim aboard

Validation & Authorisation

Mail the required documents to claim department at mailing address

TPA to check and reimburse payment

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