ICICI Lombard Overseas Travel Insurance

ICICI Lombard Overseas Travel Medical Insurance

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ICICI Lombard Travel Insurance

Buy ICICI international travel insurance key features

  • Global Cashless hospitalization
  • Value added services
  • Maximum coverage up to $500,000
  • No medical test up to 85 years
  • Works with Falck India Pvt Ltd is the Assistance Service Provider
  • Buy for 180 days and renew for another 180 days
  • Platinum Plan offers Value Added Services for Dependents in India
  • Eligible emergency hotel extension
  • Special plans for Schengen countries

ICICI Lombard health insurance for international travel

ICICI travel insurance policy is popular among Indians taking international trips to destinations like USA (ICICI travel insurance USA), UK (ICICI travel insurance UK), Australia (ICICI travel insurance Australia), Schengen countries, Middle East and other Asian Countries. It is very well recognized worldwide for its reliable health insurance services. ICICI Lombard in collaboration with United Health International, a top health care company in US offers sophisticated medical facilities for international travelers.

ICICI Lombard overseas travel insurance covers unexpected and unplanned medical and non-medical expenses ranging from $50,000 to $500,000. The unique coverage available is Global Cashless Hospitalization, Loss of Luggage, Loss of Passport, and Delay in your trip. The benefits also include Value added services, emergency hotel extension, trip interruption reimbursement and much more.

For detailed schedule of benefits review the ICICI Lombard travel insurance brochure. To understand the coverage visit the ICICI Lombard travel Insurance policy wordings. You can also complete an online ICICI Lombard travel insurance proposal form. In case you wish to extend you travel, the insurance plan can be renewed up to 365 days by filling the ICICI Lombard Extension form for travel insurance.

luggage

ICICI Lombard travel insurance policy plan details

  • ICICI Lombard insurance - Details, Benefits & Reviews

    We have a range of travel insurance plans suitable for your requirements. They cover the medical eventualities including hospitalisation due to unexpected illness or injury and other medical benefits like daily allowance for hospitalisation and dental treatment. It also offers additional benefits like fire cover, burglary cover, compassionate visit & various other value added services.

    Coverage in US Dollars Platinum Gold Deductible
    Medical Cover (includes medical evacuation cost)* US$ 50,000 to US$ 5,00,000 US$ 50,000 to US$ 5,00,000 US$ 100
    Repatriation of Remains (Included in medical Sum Insured) US$ 7,500 US$ 7,500 N/A
    Daily Allowance In Case of hospitalisation (franchise of 2 days) USD 50 per day (Max. 5 days) N/A N/A
    Dental Treatment US$ 300 US$ 300 US$ 100
    Total Loss of Checked-in Baggage US$ 500 US$ 500 N/A
    Delay of Checked-in Baggage US$ 100 US$ 100 6 hours
    Loss of Passport US$ 300 US$ 300 US$ 50
    Personal Liability US$ 100,000 US$ 100,000 5% of actuals
    Personal Accident US$ 15,000 US$ 15,000 N/A
    Hijack Distress Allowance US$ 125 per day, Max 7 days US$ 125 per day, Max 7 days 12 hours
    Emergency Cash Advance US$ 300 US$ 300 N/A
    Trip Cancellation & Interruption US$ 500 US$ 500 N/A
    Missed Flight Connection US$ 300 US$ 300 3 hours
    Trip Delay US$ 500 US$ 500 6 hours
    Political Risk and Catastrophe Evacuation US$ 7,500 US$ 7,500 N/A
    Accidental Death (Common Carrier) US$ 5,000 US$ 5,000 N/A
    Fire Cover for Building INR 20,00,000 N/A N/A
    Fire Cover for Contents INR 10,00,000 N/A N/A
    Burglary Cover for Home Contents US$ 2,000 N/A N/A
    Bounced Booking – Hotel / Airline INR 10,00,000 N/A US$ 250
    Compassionate Visit US$ 7,500 N/A US$ 250
    Emergency Hotel Extension US$ 5,000 N/A US$ 250
    Loss of Baggage and Personal Effects US$ 2,000 N/A US$ 100
    Return of Minor Child(ren) Travel cost at actuals not exceeding USD 7,500 N/A N/A
    Value Added Services Available N/A N/A
    Please Note : Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered

    * - The deductible for medical coverage applies for per illness (full treatment) basis and not for 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.

    # - The building is insured based on reconstruction value and the Contents are insured on their present market value.

    $ - 2 days deductible - If hospitalization is for more than 2 consecutive days, this benefit can be cleared only once during the policy period.

    ** - Applicable when the luggage is delayed for more than 12 hours from the actual arrival of common carrier.

    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 51 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 51 years and above for any one illness and/or injury

    For persons aged 51 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 Expense Sub-limit
    Hospital Room and board, and hospital misc. expenses Max $1,800 per day up to 30 days.
    ICU Charges Max. $3,250 per day up to 7 days.
    Surgery* Max. up to $15,000.
    Anaesthetist services Up to 25% of surgical treatment.
    Physician's visit Max. $100 per day up to 10 visits.
    Diagnostic and pre-admission testing Max. $1000.
    Ambulance services** Max up to $500.
    Note:
    *Surgery: includes Operation room charges, Surgeon fees and implant charges
    **Ambulance Services: includes cost of transportaation to hospital and paramedic services

  • ICICI Lombard travel medical insurance eligibility

    • Single trip: Travelers aged up to 70 years
    • Senior citizen: Travelers aged above 70 years avail our Senior Citizen Plan
    • Schengen visa
      1. Travelers aged 3 months – 70 years are eligible for these coverage: $50,000 max coverage & $100,000 max coverage.
      2. Travelers aged 71 years – 85 years are eligible for these coverage: $50,000 max coverage.

  • ICICI Lombard visitor travel insurance exclusions

    Pre-existing conditions are not covered. Any type of diseases related to Heart, Liver, Kidney, Cancer / Tumour are permanent exclusions.

    Please refer to the policy wordings for complete list of exclusions.

    • Loss of Passport in Public places.
    • Venereal diseases.
    • Sports activities.
    • Alcohol or drugs addiction.
    • Depression, Mental disorder, Anxiety.
    • Pregnancy, childbirth and any consequences thereof.
    • Loss of money, valuables, tickets and securities.
    • Nuclear weapons and harmful radiations.
    • Sexually Transmitted diseases.

  • ICICI Lombard travel insurance features

    • Pay Per day: Slab rate for first 7 days only, then pay on a per day basis.
    • The insurance provides coverage for medical evacuation costs while traveling back to India.
    • Up to the age of 85 years, medical check-up is not required.
    • Quality health care is available 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 globally.
    • Extension of the policy online if your trip has been extended and pay only for the number of days extended.
    • This policy also covers you for hospitalization( If it's not a pre-existing illness ) in case of Swine Flu / H1N1 influenza.
    • ICICI Lombard offers Value added services which includes medical concierge, automotive and lifestyle assistance.
    • Offers emergency hotel extension.
    • Also offers value added benefits for dependents in India.

  • ICICI Lombard travel insurance claim process

    E-mail: travelclaims@icicilombard.com

    Claims Process

    Hospitalisation/Financial Emergency/Bail Bond  Inform TPA Helpline and register claim aboard  Validation & Authorisation  TPA settles bills directly with hospital/provides financial assistance

    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

  • How to buy ICICI Lombard travel insurance online?

    Card  Buy Credit/debit card

    The purchase process for overseas travel insurance plans is convenient through credit/debit. Customers can buy this insurance from anywhere in the world, be it the USA, Canada, Europe, Australia or within India. Insurance customers can make the online transaction for ICICI Lombard overseas travel insurance using their credit card or debit card. Enter your credit card details make the secured payment through secured payment gateways and stay covered under ICICI Lombard travel insurance policy.

    Cheque  Buy travel insurance using cheque

    The online facility for ICICI Lombard travel insurance purchase can be also made using your cheque. The cheque can be sent to the address specified on the online application and the purchase process for ICICI Lombard travel insurance can be completed. The policy document can be issued, emailed and couriered after receiving the payment. Indian cheques are accepted to issue the ICICI Lombard travel insurance online.

    Note : To ensure quality health care in America, ICICI Lombard has partnered with UnitedHealth Group, one of the leading Health Care providers in the United States. This gives our customers access to United Healthcare network of hospitals and physicians in USA.

    Other payment options include

    Cash Cards - ItZ cash, Pay Cash

    Mobile Payments - Paymate, IMPS , Scan N Pay

    Wallet - Paytm, Mobikwik, Oxigen wallet, Freecharge, Jio Money etc ...

    UPI - Unified Payment Interface

ICICI Lombard travel insurance, ICICI international health insurance - FAQ's

Is ICICI Lombard travel insurance a cashless travel health insurance?
Yes, after a standard deductible ICICI insurance travel provides cashless claims settlement for medical expenses when the insured stays more than 24 hours in the hospital. It provides for a reimbursement of claims wherever cashless claims is not possible. The claims are settled as per terms and conditions of the policy schedule.
Yes, first the insured has to bear all medical expenses from his / her pocket and later file for reimbursement. The insurance company will reimburse all eligible outpatient medical expenses after a standard deductible.
Senior citizens who are 71 years and above can avail a maximum coverage of $50,000 and $25,000.
Travel insurance ICICI Lombard can be initially be purchased for a maximum of Six months and later on can be renewed for another Six months. Renewal is based on good health, no claims and approval from the head office.

Yes, initially the traveller can buy the policy for a maximum of Six months and later on renew it for another Six months. Renewal is based on no claims, good health and approval from the head office.

Yes, travel medical insurance is mandatory for Indian nationals when applying for the Schengen visa.
Initially the policy can be purchased for 6 months and later on renewed for another 6 months provided the renewal is based on good health, no claims and approval from the underwriting team.

In case of medical emergency, the policy holder needs to contact the assistance service provider immediately either before admitting or after admitting the policy holder. Then the assistance service provider will arrange for cashless claims settlement for more than 24 hours stay in the hospital where ever possible and will do the reimbursement of claims if cashless is not possible and for any outpatient medical expenses. The policy holder has to be bear the deductible and the remaining will be either direct billing or reimbursement basis.

Please call the toll free numbers for any assistance or to register your claim.
In USA and Canada : + 1 844 871 1200(Toll Free)
From the rest of the world: +91 124 4498778(Call back facility)
In India: 1800 102 5721(Toll Free and Accessible in India only)
Fax: +91 124 4006674
E-mail : icicilombard@falck.com.
There is no network of hospitals. The insured is free to visit any hospital. Contact the assistance service provider who will guide you as per your requirement.
Yes, international travel policy from ICICI Lombard cover the policy holder for fever, cold & cough during the policy tenure in overseas.
Some of the key features of ICICI Lombard international travel insurance are as follows:
  • After deductible, cashless hospitalization and reimbursement of medical bills wherever necessary.
  • Per day premium, the customer pays only for the number of days you want insurance.
  • Buy international travel medical insurance for Six months and later renew for another Six months.
  • High end platinum plan offers value added services for dependents in India.
  • Cover for baggage loss, baggage delay, Trip cancellation and Trip curtailment, missed flight connection , political risk and catastrophe evacuation.
  • ICICI Lombard works with Falck India Pvt Ltd a very popular assistance service provider which has large networks worldwide.
  • Travelers up to 85 years can buy the travel medical insurance from ICICI Lombard.

ICICI Lombard offers two sets of international travel medical insurance. The first one is the single trip travel insurance or the round trip travel insurance. This plan is suitable for travelers who travel occasionally for pleasure or due to some reasons for shorter duration. The other plan is the Annual multi trip travel insurance which is suitable for frequent filers who travel for shorter durations of either 30, 45 or 60 days within a year.

The available plans under single trip travel insurance are

Worldwide travel medical insurance - offering coverage up to $500,000 depending on the age of the traveler.
Worldwide excluding USA and Canada travel medical insurance - offering coverage up to $500,000 depending on the age of the traveler.
Asia excluding Japan - ICICI Lombard Asia for people traveling to Asian countries for a period of 6 months.

When a traveler buys an international travel insurance from ICICI Lombard, there is an E-card with the travelers details in the policy document which is emailed to the customer. The traveler can take a print out of the E-card which has all the relevant contact numbers which the traveler can use at the time of using the policy.

The traveler has to register to avail claims benefits. For cashless hospitalization, the traveler should stay more than 24 hours in the hospital while the outpatient medical expenses is on a reimbursement basis.

A deductible is a specific amount which the insured has to pay before any benefits are payable by the insurance company. Any claim amount less than or equal to the specified deductible amount should be borne by the insured. A deductible does not reduce the sum insured.
Yes ICICI Lombard international travel insurance policy will refund part of your premium if no claim has been made on any part of your policy and there is more than 30 days left before the policy expiry date. This refund is subject to approval from the underwriting team.

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