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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 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.

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

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.

Where can I find out more about the Mult Trip policy coverage?

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Please refer to the policy wordings for complete coverage details.

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

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.

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

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.

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 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

Are business travellers eligible to purchase a Travel Insurance policy?

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Yes. Our travel insurance is designed for both leisure and business travellers. Business travellers who go abroad frequently can avail of multi-trip plans.

Can more than ONE policy be issued for the same trip in Single round trip policy plan?

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

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.

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

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.

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

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

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

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 X 50 plan for them. Will this travel plan be valid for our holiday in France?

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No, you shall need to buy 2 separate policies- one for the Schengen countries (S Plan) and another for the Non-Schengen countries (Excluding US and Canada 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 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.

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

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)

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.

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 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