ICICI Lombard Travel Insurance

ICICI Lombard Travel Mediclaim Insurance - Coverage Benefits

Coverages	Platinum	Gold
Medical Cover*	US$ 50,000 to 500,000	US$ 50,000 to 500,000
Cashless hospitalisation worldwide	Available	Available
Daily allowance for hospitalisation	US$ 25/day (Max 5 days)	NIL
Dental Treatment	US$ 250	US$ 250
Passport Loss**	US$ 200	US$ 200
Checked-in Baggage Loss	US$ 500	US$ 500
Checked-in Baggage Delay+	US$ 100	US$ 100
Personal Accident	US$ 15,000	US$ 15,000
Personal Liability	US$ 100,000	US$ 100,000
Financial Emergency Assistance	US$ 300	US$ 300
Hijack Distress Allowance***	US$ 125/day (Max 7 days)	US$ 125/day (Max 7 days)
Trip Cancellation & Interruption	US$ 500	-
Missed Connectionˆ	US$ 500	-
Trip Delay++	US$ 100/day (Max. 5 days)	-
Home Insurance# - Building - Content	Rs. 2,000,000 Rs. 500,000	-
Repatriation of Remains	US$ 7,000	US$ 7,000
180 days Policy extendable upto 360 days	Available	Available

* 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
# On value - Building insured on reconstruction value, Contents insured on their present market value
$ 2 days deductible - If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period
ˆ delay of more than 3 hours
+ 12 hours delay - Applicable if baggage is delayed for more than 12 hours from actual arrival time of common carrier
++ up to US$ 100/- per day, if trip is delayed for more than 6 hours

ICICI Lombard travel insurance - Limit of Covered Expenses

For policies with medical expenses Sum insured over $100,000, the limit of liability of the company will be restricted to $100,000 per sickness, disease or accident contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/ or hospitalization expenses.

For persons aged 56 years and above, the maximum eligible medical expenses per sickness, disease or accident contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses are as mentioned in the table.

Medical Sublimits for 56 years and above
Hospital Room and board, and hospital misc. Expenses	Max $1,600 per day up to 30 days.
ICU	Max. $3,000 per day up to 7 days
Surgical treatment	Max. up to $12,000
Anaesthetist services	up to 25% of surgical treatment
Physician's visit	Max. $75 per day up to 10 visits
Diagnostic and pre-admission testing	Max. $750
Ambulance services	Max up to $500

ICICI Lombard Travel Insurance - Travel Benefits

• Pay Per day: Slab rate for first 7 days only, then pay on a per day basis.
• The insured needs to be between 1-85 years of age.
• Pre-existing diseases are covered under life-threatening situations.*
• The insurance also covers medical evacuation costs back to India.
• No medical check-up required up to the age of 85 years.
• Avail quality health care through our tie up with UnitedHealth Group (leading US based health care provider).
• Coverage available up to 360 days (Original policy for 180 days and extension for additional 180 days)
• Cashless hospitalization facility available worldwide.
• Extend the policy online in case you extend the trip, pay only for number of days extended.
• Buy Online through any credit cards, debit cards and through cheque
• This policy also covers you for hospitalization# in case of Swine Flu / H1N1 influenza.

# If it's not a pre-existing illness

ICICI Lombard Overseas Travel Insurance - Exclusions

Medical expenses arising out of :

• Pre-existing conditions except in case of life-threatening situations
• Addiction to alcohol, drugs
• Mental disorder, anxiety, depression
• Venereal diseases
• Sexually transmitted diseases, AIDS, HIV
• Radiation, nuclear weapons induced
• Sporting activities
• Expenses arising out of loss of valuables, money, securities and tickets
• Pregnancy, childbirth and any consequences thereof
• Loss of passport in public places

ICICI Lombard Overseas Travel Insurance - Claims

Inform our help line numbers to register a claim.

USA and Canada: + 1 866 625 8529 (Toll Free)
Rest of the world: +91 11 4189 8868 (Call back facility)
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

Claim Process

Cashless Hospitalisation/Financial Emergency/Bail Bond Inform TPA Helpline and register claim aboard Validation & Authorisation TPA settles bills directly with hospital/provides financial assistance Reimbursement Medical Expenses & other claims Inform TPA Helpline and register claim aboard Validation & Authorisation Mail the required documents to claim department at mailing address TPA to check and reimburse payment