ICICI Lombard Travel mediclaim insurance - Benefit table
| Coverages |
Gold |
| Medical Cover* |
US$ 50,000 to 500,000 |
| Cashless hospitalisation worldwide |
Available |
| Daily allowance for hospitalisation |
NIL |
| Dental Treatment |
US$ 250 |
| Passport Loss** |
US$ 200 |
| Checked-in Baggage Loss |
US$ 500 |
| Checked-in Baggage Delay+ |
US$ 100 |
| |
| Personal Accident |
US$ 15,000 |
| Personal Liability |
US$ 100,000 |
| Financial Emergency Assistance |
US$ 300 |
| Hijack Distress Allowance*** (7 days max) |
US$ 125 per day |
| Trip Cancellation & Interruption |
- |
| Repatriation of Remains |
US$ 7,000 |
| 180 days Policy extendable upto 360 days |
Availbale |
* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
** Deductible of US$ 50. *** 12 hours
$ 2 days deductible - If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period
+ 12 hours delay - Applicable if baggage is delayed for more than 12 hours from actual arrival time of common carrier
++ up to US$ 100/- per day, if trip is delayed for more than 6 hours
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 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 Travel Insurance - Gold Plan Policy Coverage
- 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 UnitedHealth Group (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 Travel Insurance - Gold Plan 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
ICICI Lombard Overseas Travel Insurance - Platinum Plan Claims
Inform our help line numbers to register a claim.
USA and Canada: + 1 866 625 8529 (Toll Free)
Rest of the world: +91 11 4189 8868 (Call back facility)
India: +91 11 4189 8800
In India for reimbursement enquiry: 1800 113 666 (Toll Free & Accessible only in India and during business hours only)
Fax: +91 11 4189 8801
E-mail: travelclaims@icicilombard.com
Claim Process |
Cashless
| 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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