Travel Insurance

One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having International Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency.

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.

Please call our toll free numbers to register your claim

In USA : +1 877 352 7706 (Toll Free)
In Canada: +1 877 352 7693 (Toll Free)
From the rest of the world: +91 22 6787 2010 (Call back facility)
In India: 1800 209 8889 (Toll Free and Accessible in India only)
Fax: +91 22 6734 7888
E-mail : travelclaim@icicilombard.com

You would need to contact our ASP (Assistance Service Provider) and they would arrange for the cashless claims for the medical treatment.

For hospitalization, we have a toll free no., which you have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on the bills

Please call our toll free numbers to register your claim
In USA : +1 877 352 7706 (Toll Free)
In Canada: +1 877 352 7693 (Toll Free)
From the rest of the world: +91 22 6787 2010 (Call back facility)
In India: 1800 209 8889 (Toll Free and Accessible in India only)
Fax: +91 22 6734 7888
E-mail : icicilombard@europ-assistance.in

The hard copy of the policy will reach you within 7 working days. However, you can buy online within 15 minutes and take print out of 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.

The policy bought online will be cancelled and the amount refunded on a pro-rata basis

Yes. We have allied with United Health Group (UHG), one of the largest health care companies in the US. This tie-up will give all our travelers access to United Healthcare's network of hospitals & physicians.

United Health Group is the leading health care services provider in the US. This tie-up will give all our travelers access to United Healthcare's network of hospitals & physicians However, for registering any claims – medical or non-medical, you need to call our ASP - Europ Assistance. They are the ASP who will settle your claims abroad on our behalf.

Our tie-up will give all our travelers access to United Healthcare's network of hospitals & physicians. This also means that when you avail services from a hospital under the United Health Group network, you do not have to pay any extra charges. The services that we provide through our ASP Europ Assistance are claims related, be it medical or non-medical, to be availed worldwide. Register your claims with our ASP (Assistance Service Provider) Administrator) Europe Assistance who will in turn direct you the nearest United Health Group hospital/physician in your locality wherein you can receive treatment.

An immigrant visa is required for anyone who wishes to enter a country to reside there permanently. To receive an immigrant visa, one has to meet certain requirements usually in education, family or work field, depending on the immigration laws of that particular country.

Almost every hospital is covered with one or the other TPA (Third Party Administrator). Our TPA is Europe Assistance. They have tie-ups with all local TPAs, connecting an exhaustive list of hospitals. You can safely assume, that all decent hospitals will be able to provide you cashless services.

Almost every hospital is covered with one or the other TPA (Third Party Administrator). Our TPA is Europe Assistance. They have tie-ups with all local TPAs, connecting an exhaustive list of hospitals. You can safely assume, that all decent hospitals will be able to provide you cashless services.

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

Yes, you can buy International Travel Insurance even if you are traveling on an immigrant visa. However, the maximum duration of your policy can only be 90 days.

A 'Pre-Existing Illness' is one with which the person is already suffering from before he buys the policy. For the purpose of this policy, pre-existing disease is defined as:

• An illness which has not been treated
• An illness which is already treated
• An illness for which medical advice has been sought in the last six months before commencement of the trip abroad

In our policy, *Pre-existing condition would only be covered in case of life-threatening situations or in the case of acute pain, till the patient is brought to a stable condition.

* "Life Threatening situations" refers to a medical condition suffered by the insured, which has the following characteristics:

• Markedly unstable vital parameters (blood pressure, pulse, temperature and respiratory rate)
• Acute impairment of one or more vital organ systems (involving brain, heart, lungs, Liver, Kidneys and pancreas)
• Critical care being provided, which involves high complexity decision making to assess, manipulate and support vital system function(s) to treat single or multiple vital organ failure(s) and requires interpretation of multiple physiological parameters and application of advanced technology.
• Critical care being provided in critical care area such as coronary care unit, intensive care unit, respiratory care unit, or the emergency department.

Yes, passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.

ICICI Lombard International Travel Insurance policy covers checked-in baggage loss and delay. If your baggage is delayed for more than 12 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. The compensation will be upto medical sum insured on providing the required documents

In case of an emergency, go to the hospital and avail the treatment. Then call the following helpline numbers and they will assist you in getting cashless services. In USA : +1 877 352 7706 (Toll Free)
In Canada: +1 877 352 7693 (Toll Free)
From the rest of the world: +91 22 6787 2010 (Call back facility)
In India: 1800 209 8889(Toll Free and Accessible in India only)
Fax: +91 22 6734 7888

You can access worldwide hopitalisation coverage through our ASP (Assistance Service Provider) - Europ Assistance. In order to facilitate greater access to quality health care, ICICI Lombard has partnered with leading US-based Health Care provider United Health Group, to provide better health care benefits and services to be availed when in the US.

In an event of an accident or illness if it is not possible to contact a physician or doctor, an alarm centre should be contacted immediately. They will help organise medical services for you.

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 wording for details.

Senior Citizen Plan (for age between 71 yrs to 85 yrs) policy can be issued for a maximum of 360 days including extensions.

In case you decide to shorten your stay before the policy expires, you can reimburse the premium for unused policy duration (minimum unused period must be 30 days). For instance, if you take a policy with initial duration of six months but later decide to come back earlier, you can reimburse the premium for unused policy duration provided you are in India by the end of fifth month.

Pre-existing condition would be covered in case of life-threatening situations

Pre-existing condition would be covered in case of life-threatening situations or in the case of acute pain, till the patient is brought to a stable condition.

Kindly go through the Policy Wordings, it has all fine prints of policy.

If the Insured Person is hospitalised for more than 2 days, we provide a daily allowance of $25 as compensation. This benefit can be claimed only once during the Policy period and for a maximum of 5 days. This money can help you to ensure above-standard hospital treatment or help your family with their travel expenses for hospital visits.

Almost every hospital is covered with one or the other TPA (Third Party Administrator). Our TPA is Europe Assistance. They have tie-ups with all local TPAs, connecting an exhaustive list of hospitals. You can safely assume, that all decent hospitals will be able to provide you cashless services

You would have to pay premiums for a minimum of 1 week, i.e., seven days irrespective of the number of days of travel.

Below is a brief description of conditions covered under the medical coverage

• Inpatient or Out patient treatment, provided, the same is critical and cannot be deferred till the insured's return to the Republic of India
• Medical aid, Radiotherapy, heat therapy, photo therapy, X-Ray, Diagnostic test and other such treatment/diagnostic tests prescribed by a Physician
• Cost of transportation, including necessary medical care en-route, by recognized emergency service providers for medical attention at the nearest hospital or at the nearest Physician
• Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain.

Now you can choose between 5 payment options to pay your premium online:

• Credit Card - Make secure premium payment with your VISA, Master and AMEX card.
  Avail EMI**. To know more about EMI options** Click here
  
  **This service is offered by the banks and ILGIC holds no responsibility or owes no liability in case of this facility provided by the banks to it's customers.
• 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 Motor 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
• Select to pay in EMIs through your ICICI Ba nk Credit Card
• Choose from the 3, 6,12 & 24 months options according to your convenience
• Access your policy immediately online
• The EMIs will be automatically charged to your monthly credit card statement

There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.

Claims should be submitted in 30 days that is 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.