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Travel Insurance

How do I apply for Travel Insurance?

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There are different plans of Travel Insurance provided by ICICI Lombard according to your requirements. To apply click here

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)

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.

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.

Within how many days should the claim for insurance benefit be submitted in Mult Trip 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

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

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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 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 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.

How do the hospitals across US recognise your insurance and how do you offer us cashless facility in Mult Trip 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 Mult Trip 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

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

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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

What happens if my baggage is delayed for more than one day but not lost in Mult Trip 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

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

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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.

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

In Single round trip policy plan Will my charges be paid directly to the service provider or do I need to pay the bill first and then claim it from ICICI Lombard later

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For hospitalisation, please call on +1 844 871 1200 (From USA/Canada), on +91 124 4498778 (From rest of the world), which you would have to call up for the cashless claim, and for a physician visit, you will get reimbursement on the bills

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

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.

In Single round trip policy plan How many times can we extend the policy in a 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 in Single round trip policy plan?

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In case of hospitalisation or any treatment availed, you need to call up our ASP - Falck India Pvt Ltd who will in turn activate their local networks in the country of claim. +1 844 871 1200 (Toll Free in USA and Canada), + 91 124 4498778 (Call back facility from the Rest of the World). They will assist you with the list of hospitals.

In Single round trip policy plan What is the duration of the policy that can be issued on an immigrant Visa?

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The maximum duration is 90 days and this cannot be extended.

What is an ASP in Single round 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.

Is there cover for pre-medical conditions like Diabetes Single round trip policy?

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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.

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

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Please refer the cancellation grid in policy wordings

How many providers in the US accept ICICI Lombard's International Travel Insurance?

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In case of claims, you need to contact our ASP, Falck. They have tie-ups with almost all local ASPs in the US, thus making a huge coverage list. They will arrange for cashless facility for you at the nearest hospital. For all policies in US or in India, the claims are settled through the ASP. Please call the toll-free number +1 844 871 1200. For cashless claims, we have tied with Falck, which is one of the largest medical care providers. You can show your Falck card and avail cashless facility in US hospitals

How many times can we extend the in Mult Trip policy in a 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

What is covered under Compassionate visit in Mult Trip 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)

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 are the procedures if pre-approval is required in Mult Trip Plan?

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For hospitalisation, we have a toll-free number, which you have to call for the cashless claim and for a physician visit, you will be reimbursed on the bills. Please call our toll-free numbers to register your claim. 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