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Travel Insurance

Why do I need Travel Insurance?

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 in Single round trip policy ?

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 is the maximum trip length in Single round trip plan?

International travel cover can be purchased for 180 days at a time and can be extended for another 180 days. This is subject to underwriting guidelines.

What are the charges for Single round trip policy cancellation?

The fee for policy cancellation is ₹300.

How long does it take to receive the policy papers once I purchase the Single round trip policy plan online ?

The hard copy of the policy will reach you within 7 working days. However, you can buy the policy online within 15 minutes and print the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number.

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

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.

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

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

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 there any exclusion to the Single round trip policy plan?

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.

What is an ASP in Single round trip plan?

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.

Do my parents need to have the policy papers with them when they are traveling?

Yes. They will be required to buy the policy before travelling from India. An online policy can be bought by visiting our website www.icicilombard.com , which will be digitally signed and will be valid throughout the world. Once the payment is made, the policy will be generated instantly and your parents in India can take printouts immediately. Even if the policy is lost, all you need to do is log in to our website through your login ID and password, and take a printout instantly

How many times can we extend the in Mult Trip policy in a one-year duration?

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

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

Yes.

Are there any sub-limits applicable for Schengen countries in Mult Trip Plan?

As per Schengen Visa requirement, the travel policy should be with no sub-limits. In our multi trip policy sublimits are not applicable up to the age of 50 years. Hence 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.

In Single round trip policy plan 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?

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

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

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 do I do if I fall sick when I am overseas in Single round trip policy plan?

Registration of claim is required to avail benefits under the policy. Please call the given numbers to register your claim and confirm your coverage under the policy. Call on + 1 844 871 1200 (Toll-free US and Canada), +91 124 4498778 (call back facility from the rest of the world) and they will assist you in providing for cashless services.

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

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

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.

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

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?

Yes.

In Mult Trip Plan What are the charges for policy cancellation?

Please refer the cancellation grid in policy wordings

How long does it take to receive the policy papers once I purchase the Mult Trip policy online?

The hard copy of the policy will reach you within 7 working days. However, you can buy the policy online within 15 minutes and print the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number

How does the reimbursement claim process work in Mult Trip Plan?

For reimbursement claims settlement, the ASP will check the required claim documents and reimburse the payments within 15 days. Please refer to the reimbursement claim process as below: Please call us at our insurance claims helpline number: 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 Download our claim form. Click here to download. Mail the claim form duly filled in with the relevant documents at: Claims Department, Falck India Pvt. Ltd. Upper Floor, The Peach Tree, Block - C, SushantLok –I, Sector 43,Gurgaon, Haryana -122015 (India)

What if I fail to produce the required documents in Mult Trip Plan?

There are some documents that are a mandatory requirement, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof

What do you mean by a daily allowance of $50 in Mult Trip Plan?

If the Insured person is hospitalised for more than 2 days, we provide a daily allowance of $50 as compensation. This benefit can be claimed only once during the policy period and for a maximum of 5 days. This money can help you ensure quality hospital treatment or help your family with their travel expenses for hospital visits

What is Political risk and Catastrophe Evacuation cover in Mult Trip Plan?

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

• Officials in the country where you are 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.

If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

Yes, we refund part of your premium if no claim has been made on any part of your policy and there are more than 30 days left from the expiry date.

When does the cover begin and end in Mult Trip Plan?

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.

In Mult Trip Plan Can more than ONE policy be issued for the same trip?

Each individual is to be insured by not more than one policy during their journey.