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Travel Insurance

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.

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 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 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 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

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 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

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

In Single round trip policy plan How do I know limit of each type of expenses? What expenses are covered or not?

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Kindly go through the Policy Wordings for details.

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 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.

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 the maximum trip length in Single round trip plan?

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International travel cover can be purchased for 180 days at a time and can be extended for another 180 days. This is subject to underwriting guidelines.

In Single round trip policy plan Are there any sub-limits applicable for Schengen countries?

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No, there are no sub-limits applicable for Schengen countries.

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

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.

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.

What is an ASP in Mult 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.

Are there any sub-limits applicable for Schengen countries in Mult Trip Plan?

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As per Schengen Visa requirement, the travel policy should be with no sub-limits. In our multi trip policy sublimits are not applicable up to the age of 50 years. Hence in case an insured is greater than or equal to 51 years of age then the insured will have to buy a single trip policy.

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 do you mean by Accidental Death in Common Carrier in Single round trip policy plan?

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The Company shall pay the nominee or legal heir of the Insured a lump sum equal to the Sum Insured against this benefit as specified in the Policy Schedule in case the Insured meets with death arising out of and consequent upon an injury encountered whilst mounting into, dismounting from or traveling in any Common Carrier as a passenger (fare paying or otherwise) during the period of insurance

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

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Yes.

Where can customers access the list of hospitals in Single round trip policy plan?

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The customers need to be directed to our ASP – Falck India Pvt Ltd for the details regarding network hospitals. +1 844 871 1200 (Toll-free in USA and Canada), + 91 124 4498778 (Call back facility from the rest of the world)

What are the procedures if pre-approval is required in Single round trip policy?

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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

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.

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 sum insured should I opt for while traveling to Schengen countries?

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You should choose a plan with a minimum sum insured of USD 50,000.

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.