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.

For hospitalisation, we have a toll free no +91 22 6787 2010 (call-back facility)., which you would have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on his bills

The forms are available on the website, and you will also receive the forms along with the policy, you can submit them with relevant documents.

You can go to the hospital of your choice and our ASP (Assistance Service Provider) Europ Assistance will arrange for the cashless facility for you in the same hospital, Europ Assistance is the world biggest ASP and have branches throughout world, they have tie-ups with all the local ASPs in the world, thus making it an exhaustive list, you can safely assume all well-known hospitals would be covered in UK.

Yes we do cover it. We also cover all medical evacuation costs

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? You will need to call up the help line 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 UHI card, which is mailed along with policy certificate and will enable you to avail cashless facility in most of US hospitals.

Yes, all insurance claims throughout the world are settled by ASP In our case, it is Europ Assistance.
In case of hospitalisation, the charges would be directly paid to the hospital, for that you would need to call our ASP on our Helpline number at +91 22 6787 2010 (it's the agency who will settle your claims abroad on our behalf ) and they will arrange for a cashless facility. If it is a case of emergency, the ASP would help you provide the cashless facility in the nearest hospital, or else they will inform you on the hospital where you can avail the treatment.

In case of claims, you need to contact our ASP , Europ Assistance. They have tie-ups with almost all local ASPs in the US, thus making a huge coverage list. They will arrange for the cashless facility for you in the nearest hospital.

For all policies in US or in India, the claims are settled through the ASP Please try the toll free number +1 877 352 7706. For cashless claims we have tied with UHI which is one of the largest medical care providers. They are the global arm of UGH which has covers almost 90% of the US hospitals for medical care assistance. You can show your UHI card and avail cashless facility in US hospitals.

I am planning to purchase the policy online and have the papers delivered to the US. We will deliver the papers to your parents in India. You will also be getting an online policy, which would be digitally signed and would be valid throughout the world, once you make a payment the policy would be instantly generated and your parents in India can take printouts immediately.

Even if the policy is lost all you need to do is login to our website through your login id and password and take a printout instantly

For reimbursement claims settlement, ASP would check the required claim documents and reimburse payments within 15 days.

Please refer to the reimbursement claim process as below:

Please call us at our insurance claims helpline number:
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 2666 (Toll Free and Accessible in India only)
Fax:+91 22 6734 7888

Mail the claim form duly filled in with the relevant documents at:
Claims Department,
Europ Assistance
761 Solitaire Corporate Park,
167 Guru Hargovindji Marg,
Chakala, Andheri (E)

Yes, in case of hospitalization, the first USD 100 has to be paid by you. In case of physician visit, USD 100 per illness. For example if you visit a doctor for malaria and he charges you a fee of USD 75 per visit, and you need to visit him five times the total bill in this case would be USD 375, you'd have to pay the first USD 100 and rest USD 275 will be paid by the company.

There is a Deductible/Policy Excess of US $ 100. This implies for any claim the first $100 is to be borne by the insured. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital. However, we do not have any co-pays. Similarly, there is a deductible of $50 for loss of passport and a policy excess of 12 hours in case your airplane is hijacked

This deductible is for daily allowance (US$ 50 per day for max five days ) and not for hospitalisation. This allowance is for expenses other than hospitalisation expenses. The Company shall pay to the Insured a daily compensation as specified in the Policy Schedule, for such maximum number of days as specified in the Policy Schedule, provided that the Hospitalization is for a period of more than 2 (two) consecutive days.

Except in the case of financial emergency, we can also settle claims, once you are back in India and also when you are abroad. We also have a cashless facility in case of hospitalization. Please register your claims through our ASP Europ Assistance. 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 .

In case of hospitalisation, the charges would be directly paid to the hospital. For that you would need to call on our Helpline number for our ASP - it's the agency who will settle your claims abroad on our behalf ) and they will arrange for a cashless facility. If it is a case of emergency, the ASP would help you provide the cashless facility in the nearest hospital, or else they will let you know the hospital where you can avail the treatment.In case of an OPD treatment, the claims will be settled later.

When you buy a policy from us, we issue a health card with your digital insurance policy (you can easily take print out of the same) which entitles you to treatment and services across United HealthGroup countrywide network of hospitals and physicians across the US. To avail cashless facility, please register your claims at our USA/Canada toll free claims helpline number +1 877 352 7706 (USA Toll Free), +1 877 352 7693(Canada Toll free) and +91 22 6787 2010 (rest of the world call back facility). Our team also provides you referral to a provider wherein you can receive treatment.

Please contact our ASP at the numbers mentioned below to register your claim. The representative will guide you in detail about the claim process and will also provide you with claim form and list of other supporting documents required to process the 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 2666 (Toll Free and Accessible in India only)
Fax: +91 22 6734 7888
E-mail: icicilombard@europ-assistance.in

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"ICICI Bank Limited ("ICICI Bank") is licensed by the IRDA to act as a Corporate Agent of ICICI Lombard General Insurance Company Limited. The contract of insurance will be between ICICI Lombard General Insurance Company Limited and the Insured, and not between ICICI Bank and the Insured. ICICI Bank is acting merely as the Corporate Agent of ICICI Lombard General Insurance Company Limited and there is no direct or indirect linkage between the provisions of the banking services offered by ICICI Bank and your usage of the product or participation in the scheme offered by ICICI Lombard General Insurance Company Limited. Your participation in this product is purely on a voluntary basis. ICICI Bank is not liable or responsible for any claim, dispute, liability, loss or shortfall resulting from the scheme. This policy is brought to you from ICICI Lombard General Insurance Company Limited. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer."