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Travel Insurance

What is bounced booking- Hotel/Airline in Mult Trip Plan?

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The company shall reimburse the actual additional expenses/cost incurred by you up to the sum insured specified in the policy, schedule for alternative flight arrangements or for alternative accommodation in the event of the confirmed flight reservation for any part of the trip within the period of insurance. Bouncing at the sole instance of the common carrier or bouncing of the confirmed accommodation booking at place of stay being part of the trip solely at the instance of the accommodation provider (this coverage is only applicable for a Platinum plan)

Why do I need Travel Insurance?

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Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. International Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.

Will I get a refund if I cancel my Mult Trip Policy?

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The policy bought online will be cancelled and the amount will be refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

Will I get a refund if I cancel my in Single round trip policy ?

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The policy bought online will be cancelled and the amount will be refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

What are the charges for Single round trip policy cancellation?

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The fee for policy cancellation is ₹300.

I will be travelling for 4 days. Can I get International Travel Insurance cover ?

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You will have to pay premiums for a minimum of 1 week, i.e. seven days irrespective of the number of days of travel

What is covered under Emergency Hotel Extension in Mult Trip Plan?

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The company shall pay the actual additional expenses for lodging and boarding incurred by you subject to the maximum Sum Insured if your departure is delayed either at the port at the place of origin or at any intermediate ports forming part of the trip within the period of insurance solely arising out of and consequent upon contingencies like earthquake, flood, terrorism, cancellation or rescheduling of flights, lost or stolen passport or travel documents & hospitalisation. (The coverage is only applicable for a Platinum plan

What is covered under Compassionate visit in Single round trip policy plan?

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If you are hospitalised beyond a period of 5 days following an injury and/or illness at any place during the trip, the plan covers, on a per-day basis, or in part, special assistance by any person of the family or near relatives. The company will also reimburse the cost of the economy class air ticket incurred by the person rendering such special assistance from and to the place of origin of such person or the place of residence of the person. (The coverage is only applicable for a Platinum plan

What is Political risk and Catastrophe Evacuation cover in Single round trip policy plan?

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While you are on the trip covered within the period of insurance and:

• Officials in the country where you is visiting, recommend that certain categories of persons which include you should leave the country, or
• You are expelled from or declared persona non grata in the country you are in, or
• A catastrophe (fire, flood, earthquake, storm, lightning, explosion, hurricane or epidemic due to contagious disease) has occurred in the country you are in, necessitating immediate evacuation in order to avoid risk of personal injury or illness, then the company shall pay the cost of your return to your country of residence or the nearest place of safety up to the cost of an economy class air ticket for the same and reasonable accommodation costs up to a maximum of USD 300 per day for a maximum of 7 days if you are unable to return to your country of residence.The company’s liability under this benefit shall not exceed the Sum Insured as specified against this Benefit in the Policy Schedule which is USD 7500.

Is there any exclusion to the Mult Trip Plan ?

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Yes. Some exclusions and conditions are specific to individual sections, while general exclusions and conditions apply to the policy overall. Please read the policy wordings carefully to ensure you have the cover you need.

How do the hospitals across US recognise your insurance and how do you offer us cashless facility in Single round trip policy plan?

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When you buy a policy from us, we issue an E card with your insurance policy (you can easily take print out of the same). Please register on the numbers mentioned on the E card before availing treatment. Cashless benefits are applicable only for Inpatient treatment and not for Outpatient treatment. Kindly contact us on + 1 844 871 1200 (Toll-free from USA/Canada) and +91 124 4498778 (rest of the world call back facility). Our team also provides you referral to a provider wherein you can receive treatment

Would you settle my claim when I am back in India in Single round trip policy plan?

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Except in the case of financial emergency, we can settle claims once you are back in India or when you are abroad. We also have a cashless facility in case of hospitalisation. Please register your claims through our ASP, Falck. They will arrange for the cashless facility for you in the nearest hospital. So whether you claim abroad or when you are back in India, the claims would be settled with our ASP

Within how many days should the claim for insurance benefit be submitted in Single round trip policy plan?

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Claims should be submitted in 30 days, i.e. within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person's remains/burial

Which conditions are covered under medical coverage in Single round trip policy plan ?

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Below is a brief description of the conditions covered under medical coverage:

• Inpatient or Outpatient treatment, provided the same is critical and cannot be deferred till the Insured's return to the Republic of India.
• Medical aid, Radiotherapy, heat therapy, photo therapy, X-Ray, Diagnostic test and other such treatment/diagnostic tests prescribed by a Physician
• Cost of transportation, including necessary medical care en-route, by recognized emergency service providers for medical attention at the nearest hospital or at the nearest Physician

If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement ?

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Yes, you can extend your International Travel Insurance Policy very easily online. We would however, recommend you to buy the policy for the full duration, as the extension depends on the terms and conditions of the company. Please refer to the policy wordings for details. Senior Citizens policy (for ages between 71 years to 85 years) can be issued for a maximum of 360 days including extensions, i.e., if a customer has taken a policy for 180 days, he can further extend the same to another 180 days subject to underwriting guidelines. In case you decide to shorten your stay before the policy expires, you can reimburse the premium for the unused policy duration (minimum unused period must be 30 days). For instance, if you take a policy with an initial duration of six months but later decide to come back earlier, you can reimburse the premium for the unused policy duration provided you are in India by the end of fifth month.

What happens if my baggage is delayed for more than one day but not lost in Single round trip policy plan?

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ICICI Lombard International Travel Insurance policy covers checked-in baggage loss and delay. If your baggage is delayed for more than 6 hours, the compensation for emergency items purchased, like medicines, clothing and toiletries would be given. If your baggage is lost, then compensation for the market value of the items lost is given.

What is covered under Emergency Hotel Extension in Single round trip policy plan?

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The company shall pay the actual additional expenses for lodging and boarding incurred by you subject to the maximum Sum Insured if your departure is delayed either at the port at the place of origin or at any intermediate ports forming part of the trip within the period of insurance solely arising out of and consequent upon contingencies like earthquake, flood, terrorism, cancellation or rescheduling of flights, lost or stolen passport or travel documents & hospitalisation. (The coverage is only applicable for a Platinum plan)

What is bounced booking- Hotel/Airline in Single round trip policy plan?

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The company shall reimburse the actual additional expenses/cost incurred by you up to the sum insured specified in the policy schedule for alternative flight arrangements or for alternative accommodation in the event of the confirmed flight reservation for any part of the trip within the period of insurance. Bouncing at the sole instance of the common carrier or bouncing of the confirmed accommodation booking at place of stay being part of the trip solely at the instance of the accommodation provider. (This coverage is only applicable for a Platinum plan)

Is it mandatory for the customer to be in India for international travel policy issuance?

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Yes.

Is there any exclusion to the Single round trip policy plan?

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Yes. Some exclusions and conditions are specific to individual sections, while general exclusions and conditions apply to the policy overall. Please read the policy wordings carefully to ensure you have the cover you need.

When does the cover begin and end in Single round trip policy plan?

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The policy cover begins from the date on which the Insured first boards the mode of transportation by which he finally leave the Country of Residence and the policy cover ends on the actual date when Insured returns to the Country of Residence.

Are business travellers eligible to purchase a Travel Insurance policy?

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Yes. Our travel insurance is designed for both leisure and business travellers. Business travellers who go abroad frequently can avail of multi-trip plans.

Why do I need Travel Insurance?

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Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. International Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.

I am not sure that I understand the way the health care will be provided. Do you issue a card which will enable treatment in the selected hospitals in Mult Trip Plan?

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You will need to call the helpline numbers. On your request, we will arrange the cashless facility in the nearest hospital where you can avail treatment. All you need to show is your passport number and the policy number. In case of worldwide policies, we issue a Falck card, which is mailed along with policy certificate and will enable you to avail cashless facility in most of US hospitals.

What is Return of Minor Child Cover in Mult Trip Plan?

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With International travel insurance you are eligible for reimbursement up to $7500. This involves reimbursement in terms of transportation of the unattended child in case of your hospitalisation for more than 5 days.

Are business travellers eligible to purchase a Travel Insurance policy?

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Yes. Our travel insurance is designed for both leisure and business travellers. Business travellers who go abroad frequently can avail of multi-trip plans.

I am travelling with my parents. Before joining us in France (Schengen country), they shall stay with my cousins in the UK (Non Schengen country). I have purchased a Gold Multitrip 100 plan for them. Will this same plan be valid for our holiday in France?

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Each time you will have to buy a single trip policy for the Schengen countries (S Plan) since the product requirements are different for Schengen countries e.g. no sub-limits are applicable for Schengen countries. The Schengen visa requires a no sub-limit plan so a Non-Schengen plan (with sub-limits) shall not be valid in Schengen countries. Hence it is highly advisable that you check the geographical scope of the policies that you buy to avoid last minute hassles.

What is an ASP in Mult Trip Plan?

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ASP stands for Assistance Service Provider. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

What sum insured should I opt for while traveling to Schengen countries in Mult Trip Plan?

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You should choose a plan with a minimum sum insured of USD 50,000. In case an insured is greater than or equal to 51 years of age then the insured will have to buy a single trip policy.

What are the modes of payment in Single round trip policy plan?

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Now you can choose between 5 payment options to pay your premium online:

• Credit Card – Make secure premium payments with your VISA, MasterCard and AMEX card.
• Net Banking - Transfer premium amounts online through ICICI Bank and 9 other select Banks
• Bill Pay – Use your ICICI Bank Internet Banking account to pay your insurance premium
• Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
• Cash Card - Use your Done Card to make payment online
• Choose the product you plan to buy and log in to Buy Online
• Fill in the transaction details
• Choose from the 3, 6, 12 or 24 months options according to your convenience
• Access your policy immediately online