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  • ICICI Lombard Travel Insurance

    ICICI Lombard Travel Insurance
    Overview:

    While travelling can be a truly rejuvenating experience, there always looms a fear of the unforeseen. A sudden illness, luggage mix-ups or documents getting misplaced are some of the most likely situations which one may have to face while travelling. So, why not be prepared for it!

    ICICI Lombard, one of India’s leading general insurance provider, offers some well-appointed solutions to put your travel-related apprehensions to rest. ICICI’s travel insurance policies have been specially designed keeping in mind not only the different situations which may arise during one’s travels, but also the needs of different kinds of travelers. ICICI Lombard currently offers international travel insurance policies for Single Trips, for Senior Citizens and for frequent travelers making trips abroad. Planning a trip abroad yourself? Read on to find out more about which policy is best suited for you.

    Types of ICICI Lombard Travel Insurance:

    Whatever the purpose of your travel, ICICI Lombard has a product to match your requirements. Choose from specialized travel insurance policies like Single Round Trip, Senior Citizen (71-85 years) and Gold Multi Trip. Given below are the salient features of each of these policies.

    1. International Travel Insurance
    2. Senior Citizen Travel Insurance
    3. Travel Insurance – Gold Multi Trip
    1. International Travel Insurance - Single Round Trip:

    This travel insurance policy has been designed for those planning a trip abroad, be it for vacation or business. Shield yourself from any medical and non-medical emergencies with this comprehensive insurance and travel without a worry. Following are just some of the benefits which this policy has to offer.

    • You aren’t required to undergo a medical test up to 85 years of age.
    • This policy allows you to avail cashless hospitalization facility anywhere in the world.
    • Get an extension of 180 days on your original policy of 180 days.
    • Under this policy, you are covered for Total Loss of Checked In Baggage, including handbags.
    • Trip Cancellation / Interruption – The policy covers the insured for all prepaid non-refundable payments which may be incurred if the trip is interrupted or cancelled due to any medical emergency, natural disaster or acts of terrorism.
    • Emergency Hotel Extension – This feature covers the insured for any additional accommodation expenses incurred by the insured if their trip is delayed due to, medical emergencies, natural calamities and acts of terrorism.
    • Political Risk & Catastrophic Evacuation – Policy covers the insured for any payment incurred towards evacuation to the country of residence in the event of a catastrophe.
    2. Senior Citizen Travel Insurance:

    While travelling abroad, it becomes all the more important for one to be prepared for any emergencies that may arise, medical or non-medical. Not only do they cause much inconvenience but also eat into your well-planned travel budget. With the ICICI Lombard Senior Citizen Travel Insurance, make the most of your trip minus all the worries.

    • To apply for this policy, you need not undergo a medical test until you’re 85 years of age.
    • For Schengen countries, no sublimit plans available.
    • For dependents back home, this policy makes provision to provide them with a host of assistive services like Medical Concierge Service, Automotive Assistance Service & Lifestyle services.
    • Policy Extension – Policy holders have the option to extend the duration of their policy if the need arises.
    • Compassionate Visit – In case the insured is hospitalized for a duration of more than 5 days, the policy covers the cost of accommodation of a family member / relative.
    • Avail quality healthcare through ICICI Lombard’s tie-up with United Health International, a leading US based healthcare provider.
    3. Travel Insurance – Gold Multi Trip:

    As a frequent traveler, taking individual travel insurance policies can not only be time consuming but also uneconomical at some point. The Gold Multi Trip Travel Insurance has been designed especially for those who make frequent trips abroad.

    • This policy may be applied for by individuals up to the age of 70 years.
    • Avail cashless health care around the world.
    • Rest assured that you shall have access to quality health care, is the need arises, courtesy of ICICI Lombard’s tie-up with United Health International, a renowned US based healthcare provider.
    • Emergency Hotel Extension – This feature covers the insured for any additional accommodation expenses incurred by the insured if their trip is delayed due to, medical emergencies, natural calamities and acts of terrorism.
    • Political Risk & Catastrophic Evacuation – Policy covers the insured for any payment incurred towards evacuation to the country of residence in the event of a catastrophe.
    • Under this policy, you can secure as many as 30, 45 or 60 days during a year.
    • While you’re travelling, this policy also includes a provision of providing your loved ones back home with assistive services like Automotive Assistance, Medical Concierge and Lifestyle Services.

    ICICI Lombard Travel Insurance Policy Eligibility:

    Different types of insurance policies under the ICICI Lombard Travel Insurance policy have differing eligibility criteria. For the ICICI Lombard Senior Citizen Travel Insurance, any individual who is between the age 71 to 85 years can apply for this policy. For the ICICI Lombard Gold Multi-Trip Travel Insurance Plan, any individual between the age of 3 months and up to 70 years of age.

    ICICI Lombard Travel Insurance Policy Exclusions:

    The ICICI Lombard Travel Insurance policy features a list of general exclusions which are applicable to all the types of travel insurance policies under the ICICI Lombard Travel Insurance umbrella. While some exclusions are generally applicable, there are also exclusions which may be specifically applicable to particular types of policies. Listed below are some of the general exclusions on the ICICI Lombard Travel Insurance Policy.

    • Any insurance claim which is a consequence of any existing medical ailment or condition, whether it is declared or not at the time of taking the policy, will not be covered.
    • Any claim arising due to the an addiction to intoxicants like drugs, alcohol etc.
    • Any claim arising from a mental disorder/condition like depression, anxiety, etc.
    • Any venereal diseases, sexually transmitted diseases (STDs), HIV, AIDS, etc.
    • Any claims arising or induced by nuclear weaponry or radiation.
    • Ay claim arising due to the policy holder indulging or taking part in any sporting activities (apart from those which may be specified and covered by the policy).
    • Any expenses which arise due to the loss of money, valuables, tickets or securities.
    • Claims arising from any ayurvedic therapies, homeopathy or naturopathy treatments.
    • Any claims arising from plastic/cosmetic surgery or any treatments done for the removal of any physical flaws.
    • Claims which arise from any expenses incurred towards recuperation or rest availed at a health or spa resort.

    ICICI Lombard Travel Insurance Claim Process:

    Registering a claim for your ICICI Lombard Travel Insurance is a hassle-free process. Policy holders have the option to register claims via phone, email and fax.

    ICICI Lombard Travel Insurance FAQs:

    1. Q:Are pre-existing diseases covered under the ICICI Lombard Travel Insurance policy?

      A: This policy does not allow policy holders to make claims for any pre-existing medical ailments or conditions, whether declared or undeclared.

    2. Q: I have purchased my travel insurance policy. How long will it take for me to receive my policy papers?

      A: Your policy papers (hard copy) will reach you within 7 working days from your actual policy purchase date.

    3. Q: Can I purchase an ICICI Lombard Travel Insurance policy online?

      A: Yes, you can also purchase this policy online and immediately get a printout of your policy papers as well for legal and claim purposes.

    4. Q: Are there any charges for cancelling this travel insurance policy?

      A: Yes, a charge of Rs 300 is applicable on policy cancellation.

    5. Q: Can I take more than one insurance policy for my journey?

      A: Each person is allowed to be insured by not more than one policy for the duration of one journey.

    6. Q: If I return home earlier than planned, will I get a partial refund on my travel insurance?

      A: Yes, the you shall receive part of the premium subject to the conditions that (i) no claim has been made on any part of the policy, and (ii) there are more than 30 days remaining from the expiry date of the policy.

    7. Q: In a duration of one year, how many times can I extend my policy?

      A: There is no limit to the number of times you may extend your policy, given that the total duration of the policy does is less than or equal to 30 days.

    8. Q: Is loss of passport during the travel period covered in the insurance policy?

      A: Yes, the ICICI Lombard travel insurance policy covers loss of passport and also expenses which may be incurred for the issue of a temporary or duplicate passport.

    9. Q: What are some of the conditions covered under medical coverage of this travel insurance policy?

      A: Given below are some of the conditions included under medical coverage of this policy.

      • In-patient / Out-patient treatment (applicable if the person is in a critical condition and their treatment cannot be delayed till their return to India).
      • Diagnostic tests / treatments like x-ray, medical aid, heat therapy, radiotherapy, photo therapy, etc. which have been prescribed by a physician.
      • Transportation costs, which include any crucial medical care that may have to be provided en-route, by a recognized emergency service provider, for medical attention at the nearest hospital or physician.
    10. Q: Is there a time period within which I must submit my travel insurance claims?

      A: You must submit your claim within 30 days, counting after the completion of your treatment.

    11. Q: What are payment options available with this travel insurance policy?

      A: You can choose to make your insurance premium payment from 5 convenient options. These include Credit Card, Net banking, Bill Pay, Debit Card and Cash Card.

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