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International Travel Insurance

Do you have tie up with United HealthGroup?

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Yes. We have allied with UnitedHealth Group (UHG), one of the largest health care companies in the US. This tie-up will give all our travellers access to United Healthcare's network of hospitals & physicians.

Which hospitals are covered under the International Travel Policy?

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You can access worldwide hospitalization coverage through our ASP - Europ Assistance. In order to facilitate greater access to quality health care, ICICI Lombard has partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US.

In the event of an accident or illness, what if it is not possible to consult a physician or a doctor? In an event of an accident or illness if it is not possible to contact a physician or doctor, an alarm centre should be contacted immediately. They will help organise medical services for you.

How many times can we extend the International Travel Policy in one year duration?

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

How do I know which clinics/hospitals are covered by ICICI and which are not?

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In case of Hospitalisation or treatment availed in countries other than US (cashless claims), you need to call up our ASP Europ Assistance who will in turn activate their local networks in the country of clam. You can walk into any Hospital and just inform the ASP about it. In case of US cashless, our ASP handling US claims is UHI which the global arm of UHC and is one of the largest medical care providers. To know the network of hospitals covered by UHI you can just give a call to Europe Assistance on the toll free nos. mentioned below who will provide you with the required list /details. For all policies in US or in India, the claims are settled through the ASP. Please try the toll free number +1 877 352 7706

Does International Travel Policy cover Pre-existing diseases?

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Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

What is the coverage for Home Structure under the International Travel Policy?

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The coverage for structure of the home is INR 20,00,000.
The structure of your home is insured as per the re-instatement value.
The policy covers the losses to the structure of your home due to any natural and man made calamities.
(The coverage is only applicable for Platinum plan)

What is the coverage for Home Contents under the International Travel Policy?

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The coverage for contents of the home is INR 10,00,000. The contents of your home are insured as per the market value. The policy covers the losses to the contents due to natural and manmade calamities including burglary. (The coverage is only applicable for Platinum plan)

Where can I find out more about the International Travel Insurance policy covers?

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We request you to refer the below mentioned link for complete details of travel insurance

What is Return of Minor Child Cover?

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With International travel insurance you are eligible for: a) Return of minor child (ren)- Reimbursement upto $7500. This involves reimbursement in terms of transportation of the unattended child in case of hospitalization of the insured for more than 5 days.

Explain Value Added Services? Is it applicable for all Plans?

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With International Travel Insurance policy you can enjoy a bundle of concierge services for your dependants in India while you are travelling. It is only applicable for Platinum Plan under Single round trip Single round trip & Gold Multi Trip Plan

What is the coverage for Home Contents against Burglary?

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The coverage for contents of the home is Rs.1,00,000. The contents of your home are insured as per the market value. The policy covers the losses to the contents due to burglary. (The coverage is only applicable for Platinum plan)

What if I lose my passport? Is that covered under the International Travel Policy?

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Yes, passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.

What do I do if I fall sick when I am overseas?

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In case of an emergency, go to the hospital and avail the treatment. Then call the helpline number at +1 877 352 7706 (Toll Free US) +1 877 352 7693 (Toll Free Canada) and + 91 22 6787 2010 (Call back facility) and they will assist you in providing for cashless services. Any claim which is less than USD 200 will be eligible under reimbursement only.

Is there cover for pre-medical conditions like Diabetes in International Travel Insurance?

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Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Do you cover Pre-existing for normal visit in International Travel Insurance?

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Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

How do I know limit of each type of expenses in International Travel Insurance? What expenses are covered or not?

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Kindly go through the policy wording, it has all fine prints of policy

What do you mean by daily allowance $50 in International Travel Insurance?

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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 to ensure above-standard hospital treatment or help your family with their travel expenses for hospital visits.

What all conditions are covered under medical coverage in International Travel Insurance?

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

  • Inpatient or Outpatient treatment, provided, the same is critical and cannot be deferred tillthe 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