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ICICI Lombard Senior Citizen Travel Insurance

Travelling abroad, no matter how exciting and thrilling, does involve a fair bit of risk. To begin with, medical expenses or hospitalization in a foreign country can burn a deep hole in your pocket. Keeping this in mind, a comprehensive travel insurance policy can be your best bet for travelling with peace of mind. To fulfill this purpose, ICICI introduces the Senior Citizen Travel Insurance policy, put together especially for travelers aged between 71 to 85 years. Not only does this travel insurance policy protect you but also takes care of a number of likely risks and emergencies which may occur during your travels abroad.

Features & Benefits of ICICI Lombard Senior Citizen Travel Insurance

Elderly parents traveling abroad? Find out how this Senior Citizen Travel Insurance policy might just be the protection you are looking for to get them.

  • There is no requirement to undergo a medical test, unless the applicant is above 85 years of age.
  • 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.
  • 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.
  • Enjoy the convenience of availing cashless medical services across the globe.
  • Political Risk & Catastrophe Evacuation – In case of any political upheaval or catastrophe, due to which the insured has to pay to be evacuated back to his/her country of residence, the company shall cover the expenses incurred towards the evacuation. The coverage for catastrophe and political risk evacuation is US$7,500.
  • This policy covers you against Total Loss of Checked in Baggage, including handbags. Coverage for total loss of checked-in baggage is US$500.
  • Compassionate Visit – In case the insured is hospitalized during their visit abroad, the company will cover the cost of lodging, and boarding of a family member or relative, provided the insured is hospitalized for a duration of more than 5 days.
  • On your travels abroad, you can rest assured of receiving the best medical care as a result of ICICI’s tie-up with United Health Care International, one of the foremost US based healthcare provider.

Policy Exclusions – ICICI Lombard Senior Citizens Travel Insurance

Following are the exclusion under this policy:

  • Claims arising due to drug or alcohol addiction.
  • Claims arising due to depression, anxiety or mental disorders which the insured might be suffering from.
  • Claims arising from sexually transmitted diseases like HIV, AIDs, etc.
  • Venereal diseases
  • Claims arising due to or induced by radiation or nuclear weapons.
  • Sporting activities
  • Any claims / expenses arising from loss of money, valuables, tickets or securities.
  • Claims arising due to any ayurvedic / homeopathic or naturopathic treatments or therapies.
  • Cost of any treatment or claims arising from any cosmetic treatment or plastic surgery done to remove physical flaws.
  • Any cost incurred for recuperation or rest taken at a spa or health resort.

FAQs

  1. What modes of premium payment can be used for the senior citizen travel insurance?
  2. ICICI Lombard offers 5 payment options using which customers can pay premiums online:

    Credit Card

    Netbanking

    Debit Card

    Bill Pay

    Cash Card

  3. If I need to avail medical treatment, do I need to get a pre-approval before hospitalisation?
  4. A. You need to contact the ASP of ICICI Lombard and they will arrange for the cashless claim facility for your treatment.

  5. Once the policy is purchased online, how long does it take to receive the policy documentation?
  6. After you make an online purchase, you will receive the hard copy of the policy within 7 working days. In the meanwhile, you can get a printout of the policy right after it is purchased online. The printout will serve as a legally valid document during claims.

  7. If I cancel my senior citizen travel insurance policy, what are the charges incurred?
  8. The fee that you will have to pay for policy cancellation is Rs.300.

  9. After I cancel my policy, will I receive a refund?
  10. A. After cancellation of the policy, the amount is refunded on a proportional basis. This is subject to the customer not having raised any claims under it and a minimum of 30 days being left for the policy to expire.

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Customer Reviews

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  • review Travel Insurance
    "Average Policy"
    0.5 5.0/5 "Blown Away!"
    I bought my travel insurance from ICICI Lombard and my company people has selected this policy since I'm working in a on site location. The coverage value of Rs. 1 crore since my company is paying the premium amount, i'm not sure about it. I do not have any claim experience. I don't need get any chance to speak with customer care service so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 21, 2019
  • review
    review Travel Insurance
    "Enjoy your travel experience without any fear. "
    0.5 4.0/5 "Great!"
    I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
    Was this review helpful? 1
    , new delhi
    Reviewed on Dec 02, 2018
  • review Travel Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Apr 04, 2018
  • review Travel Insurance
    "Good for travelers"
    0.5 4.0/5 "Great!"
    Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
    Was this review helpful? 4
    , bangalore
    Reviewed on Aug 31, 2017
  • review Travel Insurance
    "Pathetic disbursal policy- rather not take an insurance"
    0.5 0.5/5 "Unacceptable"
    Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
    Was this review helpful? 18
    , kolkata
    Reviewed on Mar 03, 2017
  • review Travel Insurance
    "Excellent services"
    0.5 3.0/5 "Satisfactory"
    Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 27, 2016
  • review Travel Insurance
    "compulsory for travellers..."
    0.5 4.5/5 "Excellent!"
    Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
    Was this review helpful? 7
    , thane
    Reviewed on Nov 28, 2015
  • review Travel Insurance
    "Very good"
    0.5 4.0/5 "Great!"
    The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
    Was this review helpful? 4
    , chennai
    Reviewed on Oct 01, 2015
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