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Incidents like loss of baggage or passport, flight delay and unexpected medical emergency while travelling abroad can take away the fun of the trip and pose problems as well. Having an international travel insurance policy like ICICI Lombard Travel Insurance plan would ensure financial protection from such risks. These plans provide financial assistance to the insured and their family in case of medical and non-medical emergency situations.
What is ICICI Lombard Travel Insurance?
There are chances that you might come across unforeseen situations while travelling to a foreign land. These can be flight delay, trip cancellation, loss of passport or baggage, etc. A ICICI Lombard Travel Insurance plan provides financial help to compensate the loss incurred due to such travel risks.
Types of ICICI Lombard Travel Insurance Plans
ICICI Lombard offers five types of travel insurance plans given below.
- Gold Multi-Trip International Travel Insurance
- Single Trip International Travel Insurance
- Asia Travel Insurance Plan
- Schengen Travel Insurance Plan
- Senior Citizen Travel Insurance Plan
Eligibility Criteria
| Names of Plans | Trip Duration | Entry Age |
| Multi-Trip Policy | 30/45/60 days | 3 months-70 years |
| Single Trip Policy | Up to 360 days | 3 months-70 years |
| Schengen Travel Insurance Plan | NA | 3 months-70 years |
| Senior Citizen | NA | 71-85 years |
ICICI Lombard Travel Insurance Plans
Gold Multi-Trip International Travel Insurance: It is a comprehensive travel insurance plan meant for business travellers going abroad frequently. On taking this plan, you are saved from the trouble of buying a travel insurance policy every time you travel abroad. Unlike a single trip insurance policy, this plan provides coverage to the insured for multi trips made the entire year. It protects against unexpected medical emergency and other problems like loss of passport, etc.
| Coverage | Sum Insured (in USD) | Deductibles |
| Medical cover | 1,00,000/2,50,000/ 5,00,000 | USD 100 |
| Dental Treatment | 300 | USD 100 |
| Total Loss of Checked-in baggage | 500 | NA |
| Delay of checked-on baggage | 100 | 6 hours |
| Loss of passport | 300 | USD 50 |
| Personal Accident | 15,000 | NA |
| Emergency Cash Advance | 1,000 | NA |
| Trip Cancellation and Interruption | 500 | NA |
| Missed flight connection | 500 | 3 hours |
Single Trip International Travel Insurance: It is an international travel insurance which offers coverage for just one trip. The plan covers medical emergency in case of unexpected illness or injury. It comes with added benefits, such as burglary cover, compassionate visit, etc.
| Coverage | Platinum (in USD) | Gold Plan | Silver Plan | Deductibles |
| Medical cover | 50,000-5,00,000 | 50,000-5,00,000 | 50,000-5,00,000 | USD 100 |
| Dental Treatment | 300 | 300 | 300 | USD 100 |
| Total Loss of Checked-in baggage | 500 | 500 | NA | NA |
| Delay of checked-on baggage | 100 | 100 | NA | 6 hours |
| Loss of passport | 300 | 300 | NA | USD 50 |
| Personal Accident | 15,000 | 15,000 | NA | NA |
| Emergency Cash Advance | 1,000 | 1,000 | NA | NA |
| Trip Cancellation and Interruption | 500 | 500 | NA | NA |
| Missed flight connection | 500 | 500 | NA | 3 Hours |
| Fire Cover for building | Rs.20 lakh | NA | NA | NA |
| Fire cover for contents | Rs.10 lakh | NA | NA | NA |
| Compassionate visit | 7,500 | NA | NA | NA |
Schengen Travel Insurance Plan: Whether you are travelling alone or in a group, it is mandatory to buy a Schengen Travel Insurance Plan while travelling to Schengen region, comprising 26 European states. This plan provides coverage for unexpected medical emergency, loss of passport, luggage, etc.
Asia Travel Insurance Plan: It is meant for people who are travelling to neighbouring Asian countries. It provides medical coverage and financial emergency assistance to the insured.
| Coverage | Sum Insured (in USD) | Deductibles |
| Medical cover | 25,000 | USD 100 |
| Dental Treatment | 300 | USD 100 |
| Total Loss of Checked-in baggage | 500 | NA |
| Delay of checked-on baggage | USD 100 | 6 hours |
| Loss of passport | USD 300 | USD 50 |
| Personal Accident | USD 15,000 | NA |
| Emergency Cash Advance | USD 1,000 | NA |
| Trip Cancellation and Interruption | USD 500 | NA |
| Missed flight connection | USD 500 | 3 hours |
Senior Citizen Travel Insurance Plan: The plan is meant for senior citizens aged between 71-85 years. Like any other ICICI Lombard Travel Insurance Plan, it provides coverage to the insured against loss of passport, checked-in baggage and unexpected medical emergency.
| Coverage | Sum Insured (in USD) | Deductibles |
| Medical cover | 25,000-50,000 | USD 100 |
| Total Loss of Checked-in baggage | 500 | NA |
| Delay of checked-on baggage | 100 | 6 hours |
| Loss of passport | 300 | USD 50 |
| Personal Accident | 2,500 | NA |
| Emergency Cash Advance | 1,000 | NA |
| Trip Cancellation and Interruption | 500 | NA |
| Missed flight connection | 500 | 3 hours |
How to Apply Online for ICICI Lombard Travel Insurance?
- Visit the offical website of ICICI Lombard
- Select ‘Multi-Trip’ or ‘single trip’ as per your need
- In case of single trip, select travel coverage- USA or canada/ Asia/ Schengen/ Rest of the world
- In case of multi trip, select your age group, maximum duration of your trip
- Enter your personal details in the next page and Click ‘Submit’
- In the next page, you will get the premium you need to pay and make the payment through debit card, credit card and net banking
Claim Process for ICICI Lombard Travel Insurance
In case of any claim arising due to medical emergency or unforeseen event, the insurance company settles the claim either as cashless or reimbursement. In cashless claims, payment is directly made to the insurance company. In reimbursement claims, the insured pays the bill which later gets reimbursed by the insurance company.
Medical claims
- In the event of a medical emergency, hospitalise the insured person in any of the network hospital
- Intimate the insurance company and assistance service provider about the claim
- For planned treatment, inform the hospital at least 5 days before hospitalisation
- For emergency conditions, inform the insurer within 24 hour or as soon as possible, but before discharge
- For reimbursement claims, the policyholders need to report the claim or condition within 30 days from the date of treatment completion
Total loss of checked-in luggage or baggage claims
- In the event of total loss of the checked-in baggage, insured should report the event to the common carrier
- The insured needs to communicate the same to the assistance service provider
Loss of passport claims
- Immediately report the event, in case of an eventuality
- Report the matter to the local police as well as inform the assistance service provider about the same.
Documents Required for Claim Process
Following documents have to be submitted in support of the claim:
Medical coverage
-
- Medical reports and detailed discharge summary by the hospital
- Fees paid to the medical practitioner
- Original bill receipts
Total loss of checked-in luggage or baggage
-
- Claim statement listing the items along with their values
- Property Irregularly Report (PIR) issued by the Common Carrier
Loss of Passport
-
- Original copy of the police report or FIR
- Details of the attempts made by the insured person to trace the passport
- Details of expenses incurred in obtaining a new or duplicate passport
Note: This is not an exhaustive list.
Time Taken to Settle Claims
After receiving the required documents, the insurer will review the claim and settle it within 7 to 30 days, if found satisfactory. All claims will be settled by the insurer as per the rules and regulations of the IRDAI.
Exclusions under ICICI Lombard Travel Insurance
Below are some of the exclusions for which the insurance company is not bound to entertain claims:
- Claims due to pre-existing ailments or medical conditions
- Anxiety, depression and mental disorders
- Participation in hazardous sports activities
- Nuclear weapons, attacks or radiation induced
- Treatment costs of homeopathic, Ayurveda and naturopathy therapies
Renewal Process
ICICI Lombard Travel Insurance can be renewed for the lifelong provided the insured must be in India at the time of renewal. It also provides 30 days of grace period to the policyholder for renewing the policy, but no coverage will be provided during that period.
Important Aspects
Certain points need to be kept in mind regarding ICICI Lombard Travel Insurance plans to reap the benefits at the right time.
- All the travellers should have a non-immigrant visa
- Check the geographical scope of the travel plan before buying a policy
- Insured should make a claim within 30 days after coming back to India
- Notification regarding extension of the policy (Extending the duration of the trip) should be made 30 days before the expiry of the policy period
Advantages of ICICI Lombard Travel Insurance Plans
Here are some benefits of buying an ICICI Travel Insurance plan.
- One can renew and extend their travel insurance policy online
- Cashless hospitalisation facility worldwide
- Have customised plans to suit Schengen Visa requirements
- Offers coverage for total loss of checked-in baggage including your handbag
- Provides free-look period of 15 days where the insured can review the terms and conditions of the policy and return the same
Customer Care Details
In case you are looking for emergency assistance while travelling, connect with their customer care support through the following ways:
- Call: (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
FAQs
Q1. If I return home earlier than planned, will I get a partial refund on my travel insurance?
Yes, the insured will get the refund on a pro-rata basis, if minimum 30 days are left for the policy to expire.
Q2. What is pre-existing medical condition?
Any medical condition which you have or for which you have been undergoing treatment before the commencement of this policy is considered as a pre-existing medical condition. Under ICICI Lombard Travel Insurance, any claim arising out of pre-existing ailments or medical conditions is not covered.
Q3. Do I need to undergo pre acceptance medical check-up?
If you are under 85 years of age and have no medical history, you don’t need to undergo any medical examination.
Q4. What should I do in case an urgent medical treatment is required?
The insured needs to contact Assistance Service Provider (ASP) to get assistance in getting medical treatment and in filing cashless claims.
Q5. I have bought the travel insurance policy online. How long does it take to receive the policy papers?
You will get your policy in your Email ID within 15 minutes. However, the hard copy of the policy will reach you within 15 working days.
Q6. Are business travellers eligible to purchase this travel insurance?
Yes. Business travellers who go abroad frequently can avail of multi-trip plans.