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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)

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 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

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

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 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.

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

Does this mean that the insured will have to bear hospitalisation expenses for the first 2 days in Single round trip policy plan?

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This deductible is for daily allowance (US$ 50 per day for a maximum of five days) and not for hospitalisation. This allowance is for expenses other than hospitalisation expenses. The Company shall pay you a daily compensation if the hospitalisation is for a period of more than 2 consecutive days.

How does the reimbursement claim process work in Single round trip policy plan?

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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)

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?

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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

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.

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

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

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.

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

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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

Do you cover ambulance charges also in Mult Trip Plan?

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Yes, we do cover ambulance charges. We also cover all medical evacuation costs

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

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

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Yes.

Is there cover for pre-medical conditions like Diabetes in Mult Trip Plan?

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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.

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 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.

What are the charges for Single round trip policy cancellation?

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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 ?

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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 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

What is the deductible that you offer in Single round trip policy plan?

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There is a Deductible/Policy Excess of US $ 100. This implies that for any claim, the first $100 is to be borne by you. This deductible is applicable on a per-illness (complete treatment) basis and not on a per-visit basis to the doctor/hospital. However, we do not have any co-pays. Similarly, there is a deductible of $50 for the loss of passport and a policy excess of 12 hours in case your airplane is hijacked. If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period

Do we have to contact the ASP (Assistance Service Provider) in case of an illness and/or an emergency in Single round trip policy plan?

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Yes, all insurance claims throughout the world are settled by ASP, in our case, it is Falck India Pvt Ltd. In case of hospitalisation, you would need to call our ASP on our helpline number at +1 844 871 1200 (From USA/Canada), +91 124 4498778 (From rest of the world). It's the agency who will settle your claims abroad on our behalf. They will assist you with a cashless facility, else they will inform you on the hospital where you can avail the treatment

Do you cover ambulance charges also in Single round trip policy plan?

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Yes we do cover ambulance charges. We also cover all medical evacuation costs.

What is the process if we need to claim later in Single round trip policy plan?

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The forms are available on the website and you will also receive the forms along with the policy. You can submit them with the relevant documents.

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