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While you are traveling abroad, overseas medical insurance can cover you for unexpected and unplanned medical and non medical expenses. ICICI Lombard Senior Citizen travel insurance is one of the most effective travel insurance for older travelers because you can get coverage for pre-existing disease in life threatening emergency situations. ICICI Lombard have partnered with US-based Health Care provider UnitedHealth Group to provide quality health care access to the policy holder. The insured can get access to the network of hospitals under United Health Care while in the USA. This plan is for senior citizens between 71 to 85 years. Senior Citizen Plan instantly with no medical check up with a claim benefit of $15,000 per illness or injury and the policy can be bought for a duration of 180 days. ICICI Lombard Senior Citizen Insurance - Policy CoverageMedical Cover* - 71 to 75 years - USD 50,000, 76 to 85 years - USD 25,000ICICI Lombard Senior Citizen travel insurance plans cover the insured for medical costs due to illness and accidents, outpatient and inpatient medical expenses, medcal aid, therapies and diagnostic test and also medical evacuation cost back to India. There are two kinds of coverages depending on the age group of the policy holder. Those who belong to age group of 71 to 75 years, the sum insured is $50,000 and 76 to 85 years age group get $25,000. Both the age group will have sub limit $15,000 per illness or injury. Therefore the maximum amount that can be claimed per injury is $15,000. NOTE - The insured is covered for Pre-Existing Ailments and Maternity in case of life-threatening situations. Personal Accident Compensation - US$ 2,500A compensation given in case of death or permanent total disability. Passport Loss** - US$ 200For expenses incurred in obtaining a fresh or new passport. Checked-in Baggage Loss Compensation - US$ 500Compensation for the permanent loss of checked-in baggage. Checked Baggage Delay Compensation - US$ 100Compensation 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$ 25,000Compensation 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$ 300Emergency cash that is available to you in case your travel funds are robbed. Hijack Distress Allowance#- US$ 125 per day, for maximum of 7 daysper 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. *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 |
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