Overseas Travel Insurance - Senior Citizen Plan Coverge

• Medical Cover - 71 to 75 years - $50,000, 76 to 85 years - $25,000

  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. There are 2 plans available depending on the age of the insured. If the insured is 71 to 75 years of age, the sum insured is $ 50,000. However, if the insured is between 76 to 85 years of age, the sum insured is $ 25,000. Both have sub limit of $ 15,000 per illness or injury. Thus, the maximum amount that can be claimed per injury is $ 15,000. NOTE - We also cover Pre-existing Ailments in case of life-threatening situations.
  
  

• Personal Accident Compensation - $ 2,500

  A compensation given in case of death or permanent total disability.
  
  

• Passport Loss** - $ 200

  For expenses incurred in obtaining a fresh or new passport.
  
  

• Checked-in Baggage Loss Compensation - $ 500

  Compensation for the permanent loss of checked-in baggage.
  
  

• Checked Baggage Delay Compensation - $ 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 Liability Coverage - $ 25,000

  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 - $ 300

  Emergency cash that is available to you in case your travel funds are robbed.
  
  

• Hijack Distress Allowance^#- $ 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.
  
  

*Deductible of $ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital. ** Deductible of $ 50. # 12 hours.

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

Overseas Travel Insurance - Senior Citizen Key Benefits

• 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.
  
• Policy Issuance - The policy is issued without any medical checkup upto 85 years of age.
  
• Cashless settlement of claims - You can avail of cashless services at medical institutions worldwide.
  
• Lightning Fast Claims - Your claims are settled within 7 days of the receipt of the required documents.
  
• Pre-existing Ailments - Pre-existing ailments covered in case of life-threatening situations.
  
• Coverage up to 360 days

ICICI Lombard Overseas Travel Insurance - Eligibility

• The insured should be of age 71 years to 85 years at the time of buying the policy. The policy must be purchased before the insured leaves India for travelling abroad.
• New - Instant Senior Citizen Plans - Avail new senior citizen plan with no medical tests, which offers a claim extent of $15,000 per illness or injury.

Overseas Travel Insurance - Senior Citizen Policy 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 valuables, money, securities and tickets
• Loss of passport in public places