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Travel Insurance

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 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)

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, visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle

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 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

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.

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.

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.

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.

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.

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 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 Personal Effects & Baggage Loss in Mult Trip Plan?

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The company shall compensate you for the loss of checked-in baggage occurring any time after the delivery of the baggage is taken from the common carrier against surrender of the receipt of the common carrier or any time after you leave the exit gate of the airport (including while you are traveling in the rented vehicle) and anytime before the checked in baggage is once again checked-in in connection with furtherance of the scheduled journey being part of the trip within the period of insurance, on actuals on declaration of such loss by you, provided that, the overall liability under this Benefit shall be limited to the sum specified in the Policy Schedule. (The coverage is only applicable for a Platinum plan)

Coverage for Travel insurance

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Premium for Travel Insurance depends on country of visit , length of stay and plan type choosen. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle

Premium for Travel insurance

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Premium for Travel Insurance depends on country of visit , length of stay and plan type choosen. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle

Sum insured for Travel insurance

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There are different sum insured options avaialble in tarvel insurance to cater your need. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle

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

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.

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

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)

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

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

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

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

What if I fail to produce the required documents in Single round trip policy plan?

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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 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