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Travel Insurance

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)

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.

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.

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 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

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)

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.

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)

Where can I find out more about the policy coverage in Single round trip policy plan?

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Please refer to the policy wordings for complete coverage details.

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.

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.

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.

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

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

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 Hand Baggage Cover in Mult Trip Plan?

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The cover in relation to hand baggage begins from the time you pass through the security at the airport at the port of origin and continues until you complete the trip covered. The compensation shall be relating to the loss of baggage as a whole, and shall be 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 (this 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.

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 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

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.

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

What do you mean by Accidental Death in Common Carrier in Mult Trip 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 or dismounting from or traveling in any Common Carrier as a passenger (fare paying or otherwise) during the period of insurance.

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

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