ICICI Lombard Travel Insurance

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 providers, 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 various 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.

Why should you buy travel insurance from ICICI Lombard?

• The travel insurance plans from ICICI Lombard offer affordable cover to explore international destinations.
• The US$25,000 travel insurance policy for Asia from the insurer protects you against trip delays, baggage loss, accidents, and extension of stay.
• If you are a frequent traveller, you stand to gain immensely. Frequent travellers can purchase the Gold Multi Trip plan from ICICI Lombard and get protection for up to 30, 45, or 60 days per trip, annually.
• The coverage offered by the plans from ICICI Lombard ensures that you travel without any worries. The insurance company offers travel insurance plans that offer a sum assured up to US$500,000.
• There are no medical tests necessary to avail travel insurance protection. The plans from ICICI Lombard offer coverage up to 85 years of age, without any medical examination.
• The travel insurance plans from the insurer offer cashless hospitalisation facility worldwide.
• The insurance company offers coverage for total loss of baggage that was checked-in. This coverage also includes handbags.
• ICICI Lombard offers travel insurance plans that are pre-approved and configured to suit the requirements of Schengen Visa.

Types of ICICI Lombard Travel Insurance

Whatever the purpose of your travel, ICICI Lombard has a product to match your requirements. Choose from the specialized travel insurance policies listed below:

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

Given below are the salient features of each of these policies.

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 the benefits that this policy has to offer:

• Under the Single Round Trip policy, you are covered for Total Loss of Checked In Baggage, including handbags. The coverage amount is US$500.
• The plan provides medical insurance cover, including medical evacuation costs.
• The medical sum assured is inclusive of repatriation cost for mortal remains.
• The plan provides a daily allowance up to US$50 per day for a maximum of 5 days, in the event of hospitalisation.
• US$300 is offered for dental treatments.
• Coverage of US$100 is provided for delay of checked-in baggage.
• Loss of passport coverage amount is US$300.
• Personal Liability coverage is US$100,000.
• Personal Accident coverage worth US$15,000 is provided by the plan.
• The plan also offers hijack distress allowance of US$125 per day, up to 7 days.
• Emergency cash advance of US$1,000 is offered by the plan.
• Trip interruption and cancellation allowance of US$500 is available
• Compensation of US$500 is provided for missed flight connection.
• Trip delays are compensated with US$500.
• The coverage for catastrophe and political risk evacuation is US$7,500.
• If the insured suffers accidental death through a common carrier, then an amount of US$5,000 is offered under the plan.
• The fire cover for building is Rs.20 lakh and fire cover for home content is Rs.10 lakh.
• Burglary cover for home content is Rs.1 lakh.
• Bounced airline or hotel booking is compensated with US$2,000.
• Compassionate visit is covered up to a maximum of US$7,500.
• Emergency hotel extension is covered up to US$5,000.
• The coverage for loss of baggage and personal belongings is worth US$2,000.
• Cover for the return of a minor child is up to US$7,500.

The policy has several exclusions, such as claims arising out of mental disorder or depression, sporting activities, radiation effects, or naturopathy treatment.

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. The salient features of the plan include the following:

• Medical cover between US$25,000 to US$50,000 is offered by the plan. This includes medical evacuation costs as well.
• Repatriation of mortal remains is covered under the policy. The coverage amount is US$7,500.
• Coverage for total loss of checked-in baggage is US$500.
• The plan offers coverage for delay in receiving the checked-in baggage. The coverage amount is US$100.
• Loss of passport coverage worth US$300 is provided by the plan.
• Personal liability coverage under the plan is US$100,000
• The plan offers Personal Accident coverage worth US$2,500.
• Hijack distress allowance under the plan is US$125 for each day. This amount is offered up to a maximum of 7 days.
• The plan offers emergency cash advance up to US$1,000.
• Trip interruption and cancellation cover is up to US$500.
• The plan offers coverage for missed flight connection, up to US$500.
• Trip delays are compensated up to US$500 as well.
• The coverage for catastrophe and political risk evacuation is US$7,500.

The coverage does not include claims arising out of pre-existing ailments or medical conditions, whether declared or not.

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. An individual between the age of 3 months and 70 years is eligible to apply for the multi trip policy. The coverage of the plan includes the following:

• Medical cover worth US$7,500. This includes medical evacuation costs as well.
• Repatriation of mortal remains is covered under the policy. The coverage amount is US$7,500.
• Coverage for dental treatment is US$300.
• Coverage for total loss of checked-in baggage is US$500.
• The plan offers coverage for delay in receiving the checked-in baggage. The coverage amount is US$100.
• Loss of passport coverage worth US$300 is provided by the plan.
• Personal liability coverage under the plan is US$100,000
• The plan offers Personal Accident coverage worth US$15,000.
• Hijack distress allowance under the plan is US$125 for each day. This amount is offered up to a maximum of 7 days.
• The plan offers emergency cash advance up to US$1,000.
• Trip interruption and cancellation cover is up to US$500.
• The plan offers coverage for missed flight connection, up to US$500.
• Trip delays are compensated up to US$500 as well.
• The coverage for catastrophe and political risk evacuation is US$7,500.
• If the insured faces accidental death in a common carrier, the compensation provided is US$5,000.

The plan has several exclusions, including claims arising out of addiction to drugs or alcohol, anxiety or mental disorder, sexually transmitted diseases, sporting activities, ayurvedic treatments, etc.

4. Asia Plan:

This product has been specifically designed for customers travelling to neighbouring countries. The coverage offered by the plan is as follows:

• Medical cover worth US$25,000. This includes medical evacuation costs as well.
• Repatriation of mortal remains is covered under the policy. The coverage amount is US$7,500.
• Coverage for dental treatment is US$300.
• Coverage for total loss of checked-in baggage is US$500.
• The plan offers coverage for delay in receiving the checked-in baggage. The coverage amount is US$100.
• Loss of passport coverage worth US$300 is provided by the plan.
• Personal liability coverage under the plan is US$100,000
• The plan offers Personal Accident coverage worth US$15,000.
• Hijack distress allowance under the plan is US$125 for each day. This amount is offered up to a maximum of 7 days.
• The plan offers emergency cash advance up to US$1,000.
• Trip interruption and cancellation cover is up to US$500.
• The plan offers coverage for missed flight connection, up to US$500.
• Trip delays are compensated up to US$500 as well.
• The coverage for catastrophe and political risk evacuation is US$7,500.
• If the insured faces accidental death in a common carrier, the compensation provided is US$5,000.

The coverage does not include claims arising out of pre-existing ailments or medical conditions, whether declared or not.

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 most of the 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.
• Any claim arising due to the policyholder 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. Policyholders have the option to register claims via phone, email and fax.

ICICI Lombard Travel Insurance FAQs:

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

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

2. 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. 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. Are there any charges for cancelling this travel insurance policy?

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

5. 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. 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.

7. 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.

8. 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.

9. What sum assured should be taken for travel to Schengen countries?

   A. The minimum sum assured for travel to Schengen countries is US$50,000.

10. If medical treatment is required at a foreign location, is there a need for pre-approval before hospitalisation?

    A. You will have to contact the insurer’s ASP, and the arrangement for cashless hospitalisation will be done by them.