| ICICI Lombard
Insurance |
| Overseas Travel Insurance Policy
Features |
| Eligibility: Insurance
policy available for all ages between 1 – 70 years and senior
citizens between 71 to 85 years. |
| Policy Duration: Cover trips
from as short as 7 days to 180 days. Can be extended
online. |
| Policy Maximum: The Plans
offer various coverage options (US $ 50,000 to US $
500,000). |
| Premium: Premium is payable
on a pay per day basis and not slab rates, pay at 0% EMI on
ICICI Bank and Citibank Credit Cards. |
| Pre-existing diseases:
Pre-existing ailments and maternity are excluded except in
case of life-threatening situations i.e. until the insured's
heath is stable. |
| A (Excellent) Rating: ICICI
Lombard has received an A (Excellent) rating from General
Insurance Company of India and iAAA rating from ICRA
signifying highest claims paying ability. |
| Worldwde Health care - ICICI
Lombard has partnered with leading US-based Health Care
provider UnitedHealth Group, to provide better health care
benefits and services to be availed when in the US. |
| Deductible/Policy Excess:
There is a Deductible/Policy Excess of US $ 100. This implies
for any claim the first $100 are to be borne by the
insured. |
| Additional Coverage:
Coverages include Dental Treatment, Medical Evacuation,
Repatriation, Baggage Loss/Delay, Trip Cancellation and
Interruption, etc. |
| Insurance Direct: Buy
insurance online or Dial-A-Policy at 1800 209 8888 to buy your
policy over the phone |
| Claim: In order to make a
claim, please contact our TPA (Third Party Administrator) SOS
International, which has tie-ups with network hospitals
worldwide. |
No medical Check-up up to 85
years
No health-check up is required up to 70
years of age. And now as a special offer to senior citizens,
avail Senior Citizen Plan instantly with no medical check up
with a claim benefit of $15,000 per illness or injury. |
| |
|
Platinum Plan
Overseas
Travel Insurance covers unexpected and unplanned medical and
non-medical expenses when you are abroad. In order to
faciliate greater access to quality health care, we have
partnered with leading US-based Health Care provider
UnitedHealth Group, to provide you access to United Health
Care's network of hospitals and physicians when in the
US.
All overseas travel policies charge premium on a slab
basis. Which means if you are on a 16-day trip, you end up
paying for 21 days, as the slab is 14 to 21 days. But with us
you ‘pay per day’, you only pay for the days you travel. In
case of insurance cover for senior citizens between 71 years
to 85 years of age please
Contact Uniglobe
Legend. |
| Policy Coverage |
|
Medical Cover*- US$ 50,000 to US$
250,000
This covers medical cost due to illnesses
or accidents, including outpatient & inpatient medical
expenses, medical aid, therapies and diagnostic test. It also
covers medical evacuation costs back to India. |
Daily Allowance in case of
Hospitalization**– US$ 25 per day for max. 5
days
Compensation for hospitalization for more
than 2 days. |
Dental Treatment*– US$ 250
Covers the cost of acute anesthetic treatment to
natural teeth due to an injury. |
Repatriation of Remains– US$
7,000
For the expenses of repatriating the remains
back to India. |
Passport Loss** – US$
200
For expenses incurred in obtaining a fresh or
new passport. |
Checked Baggage Loss– US$
500
Compensation for the permanent loss of
checked-in baggage. |
Checked Baggage Delay– US$
100
Compensation for reasonable expenses incurred
for the purchase of toiletries, clothing and medication due to
a delay of checked-in baggage for more than 12 hours. |
Personal Accident– US$
15,000
Compensation paid in case of death or
permanent total disability. |
Personal Liability– US$
100,000
Compensation for damages paid to a third
party, resulting from death, injury or damage to health or
property that is caused involuntarily by the insured. |
Financial Emergency Assistance– US$
300
Emergency cash that is available to you in
case your travel funds are robbed. |
Hijack Distress Allowance#– US$ 125
per day for 7 days
A compensation payable in case
of hijack of air or sea common carrier for more than 12 hours
whilst on your trip abroad. |
Trip Cancellation &
Interruption*– US$ 500
Reimbursement of the
non-refundable prepaid payments or the additional expenses,
for the trip being cancelled or interrupted due to medical
problems, personal employment problems or natural
disasters. |
Missed Connection*– US$
500
Reimbursement of the extra expenses incurred
due to a missing a connecting flight, due to delay in the
arrival of the aircraft for more then 3 hours. |
Trip Delay*– US$
500
Reimbursement of additional expenses incurred,
up to US$ 100/- per day, if trip is delayed for more than 6
hours due to airline problems, medical problems, personal
employment problems or natural disasters. |
Home Insurance– Rs. 2,000,000 for
Building and Rs. 500,000 for Contents
To the
losses that you may incur due to damage to you home from
natural and man made calamities or burglary, whilst on your
trip abroad. |
|
|
*Deductible of US$ 100. This deductible is applicable on
per illness (complete treatment) basis and not on per visit to
the doctor / hospital. ** Deductible of US$ 50. ***2 days
deductible. # 12 hours.
For complete details on policy
coverage and exclusions, kindly refer to the Policy
Wordings. |
| |
| Gold Plan |
|
Overseas Travel Insurance covers unexpected and unplanned
medical and non-medical expenses when you are abroad. In order
to faciliate greater access to quality health care, we have
partnered with leading US-based Health Care provider
UnitedHealth Group, to provide you access to United Health
Care's network of hospitals and physicians when in the
US.
In case of insurance cover for senior citizens between
71 years to 85 years of age please contact Uniglobe
Legend |
| Policy
Coverage |
Medical Cover*-US$ 50,000 to US$
250,000
This covers medical cost due to illnesses
or accidents, including outpatient & inpatient medical
expenses, medical aid, therapies and diagnostic test. It also
covers medical evacuation costs back to India. |
Dental Treatment*– US$
250
Covers the cost of acute anesthetic treatment
to natural teeth due to an injury. |
Repatriation of Remains – US$
7,000
For the expenses of repatriating the remains
back to India. |
Personal Accident Compensation – US$
15,000
A compensation given in case of death or
permanent total disability. |
Passport Loss** – US$
200
For expenses incurred in obtaining a fresh or
new passport. |
Checked-in Baggage Loss Compensation–
US$ 500
Compensation for the permanent loss of
checked-in baggage |
Checked-in Baggage Delay Compensation
– US$ 100
Compensation for reasonable expenses
incurred for the purchase of toiletries, clothing and
medication due to a delay of checked-in baggage for more than
12 hours. |
Personal Liability Coverage– US$
100,000
for damages paid to a third party,
resulting from death, injury or damage to health or property
that is caused involuntarily by the insured. |
Financial Emergency Assistance– US$
300
Emergency cash that is available to you in
case your travel funds are robbed. |
Hijack Distress Allowance#– US$ 125
per day, for maximum of 7 days
A compensation
payable in case of hijack of air or sea common carrier for
more than 12 hours whilst on your trip abroad. |
| *Deductible of US$ 100. This deductible is
applicable on per illness (complete treatment) basis and not
on per visit to the doctor / hospital. ** Deductible of US$
50. # 12 hours. |
| Silver
Plan |
|
Overseas Travel Insurance covers unexpected and
unplanned medical and non-medical expenses when you are
abroad. In order to faciliate greater access to quality
health care, we have partnered with leading US-based
Health Care provider UnitedHealth Group, to provide you
access to United Health Care's network of hospitals and
physicians when in the US.
Overseas Travel Insurance
Silver Plan is a basic Travel Insurance cover with
medical expense benefit, dental treatment and
repatriation of remains, valid up to 60 days.
In
case of insurance cover for senior citizens between 71
years to 85 years of age please contact Uniglobe
Legend. |
Policy
Coverage
This Policy is valid for up to 60
days (not extendable) and is valid for countries
excluding US and Canada. |
Medical Cover*- US$ 50,000 to
US$ 250,000
This covers medical cost due to
illnesses or accidents, including outpatient &
inpatient medical expenses, medical aid, therapies and
diagnostic test. It also covers medical evacuation costs
back to India. |
Dental Treatment*– US
$250
Covers the cost of acute anesthetic
treatment to natural teeth due to an injury. |
Repatriation of Remains– US$
7,000
For the expenses of repatriating the
remains back to India. |
| *Deductible of US$ 100. This deductible
is applicable on per illness (complete treatment) basis
and not on per visit to the doctor / hospital. |
| |
| Key
Benefits |
| Pay Per Day- no slab rates
charged - You don’t pay for the days you don’t
use. So next time you travel for 24 days, you will pay
for 24 days and not for 30 days in the slab
system. |
| Instant Policy
Issuance - The policy is issued instantly
online. No medical check-up required |
|
Cashless settlement of claims – You
can avail of cashless services at medical institutions
worldwide.
Contact us at
From USA and Canada: + 1
866 625 8529 (Toll Free)
From the rest of the world:
+91 11 4189 8868 (Call back facility)
In India: 1800
113 666 (Toll Free & Accessible only in
India)
Fax: +91 11 4189 8801
E-mail-
travelclaims@icicilombard.com |
No medical Check-up up to 85
years
No health-check up is required up to
85 years of age. This special offer is also applicable
to senior citizens, avail Senior Citizen Plan instantly
with no medical check up with a claim benefit of $15,000
per illness or injury. |
| Lightning Fast Claims
- Your claims are settled within 7 days of the receipt
of the required documents. |
| Pre-existing Ailments and
Maternity cover - Pre-existing ailments and
maternity are covered in case of life-threatening
situations. |
Pay at interest free
EMIs: You can pay through your ICICI Bank
Credit Card and avail of Interest-Free equal monthly
installments (EMI) for your premium.
Note: EMI option
subject to minimum annual premium of Rs. 1500 |
| |
| Need for Travel
Cover |
- In India, around 30 crore people travel by train
and 1.5 crore by air, every year. A large number of
people fall sick or cancel their travel plans or find
their baggage stolen.
- Amongst popular destinations, Travel insurance is
mandatory for European countries, Australia, New
Zealand, Canada and USA.
- Medical treatment abroad is expensive especially
when one has to pay in foreign currency.
- Overseas Travel Insurance takes care of your
medical expenses and repatriation and covers you
against personal accident, loss of checked baggage,
loss of passport, personal liability, trip delay, etc.
|
| |
| Senior Citizen
Plan - Introduction |
|
Overseas Travel Insurance covers unexpected and
unplanned medical and non-medical expenses when you are
abroad. In order to faciliate greater access to quality
health care, we have partnered with leading US-based
Health Care provider UnitedHealth Group, to provide you
access to United Health Care's network of hospitals and
physicians when in the US.
This plan is for senior
citizens between 71 to 85 years.
New – Avail Senior
Citizen Plan instantly with no medical check up with a
claim benefit of $15,000 per illness or
injury. |
| Policy
Coverage |
Medical Cover*-US$ 25,000 to
US$ 50,000
This covers medical cost due to
illnesses or accidents, including outpatient &
inpatient medical expenses, medical aid, therapies and
diagnostic test. It also covers medical evacuation costs
back to India. You avail a claim benefit of $15,000 per
illness or injury |
Personal Accident Compensation
– US$ 2,500
A compensation given in case of
death or permanent total disability. |
Passport Loss** – US$
200
For expenses incurred in obtaining a
fresh or new passport. |
Checked-in Baggage Loss
Compensation– US$ 500
Compensation for the
permanent loss of checked-in baggage |
Checked-in Baggage Delay
Compensation – US$ 100
Compensation for
reasonable expenses incurred for the purchase of
toiletries, clothing and medication due to a delay of
checked-in baggage for more than 12 hours. |
Personal Liability Coverage–
US$ 25,000
Compensation for damages paid to
a third party, resulting from death, injury or damage to
health or property that is caused involuntarily by the
insured. |
Financial Emergency Assistance–
US$ 300
Emergency cash that is available to
you in case your travel funds are robbed. |
Hijack Distress Allowance#– US$
125 per day, for maximum of 7 days
A
compensation payable in case of hijack of air or sea
common carrier for more than 12 hours whilst on your
trip abroad. |
| *Deductible of US$ 100. This deductible
is applicable on per illness (complete treatment) basis
and not on per visit to the doctor / hospital. **
Deductible of US$ 50. # 12 hours. |
| |
| Key
Benefits |
| Pay Per Day - no slab
rates charged - You don’t pay for the days you don’t
use. So next time you travel for 24 days, you will pay
for 24 days and not for 30 days in the slab
system. |
| Instant Policy Issuance
- The policy is issued instantly online. No
medical check-up required |
|
Cashless settlement of claims – You
can avail of cashless services at medical institutions
worldwide.
Contact us at
From USA and Canada: + 1
866 625 8529 (Toll Free)
From the rest of the world:
+91 11 4189 8868 (Call back facility)
In India: +91
11 4189 8800
In India for reimbursement enquiry: 1800
113 666 (Toll Free & Accessible only in India and
during business hours only)
Fax: +91 11 4189
8801
E-mail- travelclaims@icicilombard.com |
No medical Check-up up to 85
years
As a special offer to senior citizens,
avail Senior Citizen Plan instantly with no medical
check up with a claim benefit of $15,000 per illness or
injury. |
| Worldwde Health care -
ICICI Lombard has partnered with leading US-based Health
Care provider UnitedHealth Group, to provide better
health care benefits and services to be availed when in
the US. |
| Lightning Fast Claims
- Your claims are settled within 7 days of the receipt
of the required documents. |
| Pre-existing Ailments and
Maternity cover - Pre-existing ailments and
maternity are covered in case of life-threatening
situations. |
Pay at interest free
EMIs : You can pay through your ICICI Bank
Credit Card and avail of Interest-Free equal monthly
installments (EMI) for your premium.
Note: EMI option
subject to minimum annual premium of Rs. 1500. Click
here to know more. |
| Coverage up to 180
days - The Policy duration can be anywhere
between 7-180 days. You may extend the policy, provided
the maximum trip duration (including the extension as
provided) does not extend 180
days. | |
