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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

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 are the charges for Single round trip policy cancellation?

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The fee for policy cancellation is ₹300.

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.

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.

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.

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

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.

In case medical treatment is required, is there any need for pre-approval before hospitalisation in Single round trip policy?

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You will need to contact our ASP and they will arrange for cashless claims for the medical treatment.

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 in Mult Trip Plan?

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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

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.

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

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

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 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 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.

What is the coverage for Home Contents in Single round trip policy plan?

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We cover damage to your home or its contents from fire and allied perils or any loss of home contents on account of burglary (including attempted burglary), whilst on your trip abroad.

What is Personal Effects & Baggage Loss in Single round trip policy 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 any time 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)

What is bounced booking- Hotel/Airline in Single round trip policy 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)

When does the cover begin and end in Single round trip policy plan?

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The policy cover begins from the date on which the Insured first boards the mode of transportation by which he finally leave the Country of Residence and the policy cover ends on the actual date when Insured returns to the Country of Residence.

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.

Does this policy cover pre-existing diseases 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 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 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

Do we have to contact the Assistance Service Provider (ASP) in case of an illness and/or an emergency in Mult Trip 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

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.

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

What is the process if we need to claim later in Mult Trip 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.