Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

ICICI Lombard Travel Insurance


ICICI Lombard Travel Insurance Overview

ICICI Lombard Travel Insurance is one of the leading travel insurance companies in the country. It is owned by ICICI Lombard General Insurance Company Limited, which is India’s biggest insurance provider in the private sector. Travel insurance by ICICI Lombard has been designed to suit the requirements of different kinds of travelers during their international travel. Whether you are traveling for business or for leisure, ICICI Lombard Travel Insurance has a plan for everyone including senior citizens.

A large variety of coverage is available to an international traveler if he purchases a travel insurance policy by ICICI Lombard. This policy protects against adversities like medical expenses, personal accident, personal liability, total loss or delay of check-in baggage, emergency cash advance, trip cancellation & interruption, emergency hotel extension, home burglary and many others. ICICI Lombard Travel Insurance also provides Value Added Services to the dependents of the traveling policyholder in India. Moreover, it also allows the insured traveler to customize his plan as per the destination country and choose a geographic location amongst Asia, Schengen, USA & Canada and the rest of the world.

Why Choose ICICI Lombard Travel Insurance?

Travel enthusiasts love to visit new places in different parts of the world. But given the unpredictability of life, even a perfectly-planned trip can get messed up if an unforeseen incident occurs. The wisest thing to do here is to stay prepared for any uncertainties by buying the best travel insurance policy. ICICI Lombard Travel Insurance gives you a wide range of coverage so that you can have a memorable time during your travel abroad. If you are still unsure, take a look at the various benefits of choosing a travel insurance policy by ICICI Lombard:

  • Sum Insured up to USD 5,00,000
  • Cashless hospitalization facility available round the globe
  • ICICI Lombard Travel Insurance offers destination-specific coverage including USA or Canada, Schengen, Asia and Rest of the World
  • No medical test for applicants up to 85 years of age
  • Option to choose between a single trip and multi-trip policy
  • Value Added Services available to the insured’s dependents in India
  • ICICI Lombard Travel Insurance also covers political risk & catastrophe evacuation
  • Premium applicable on pay per day basis with slab rate for first 7 days only

Types of ICICI Lombard Travel Insurance

1. Single Trip Travel Insurance

This travel insurance policy by ICICI Lombard protects an international traveler from any unforeseen incidents for a single journey. It offers benefits of both individual travel insurance plan and family travel insurance plan. It also covers senior citizen travelers above the age of 70 years. Some of the coverage provided by this ICICI Lombard Travel Insurance policy includes medical cover, personal liability, loss of passport, emergency cash advance, trip cancellation & interruption, trip delay, hijack distress allowance, missed flight connections, home insurance and value added services amongst others. This plan is also open to customization according to the destination country including Asia, USA & Canada and Schengen countries. The Single Trip Travel Insurance by ICICI Lombard is available in the following variants:

  • Leisure Travel Plan - This ICICI Lombard Travel Insurance plan provides comprehensive coverage to the insured travelers against various untoward incidents that may obstruct their travel plans. It is available for a sum insured amount ranging between USD 50,000 and USD 5,00,000. It provides protection against medical expenses, trip delay, loss of check-in baggage, loss of passport, personal accident, daily hospitalization allowance, emergency cash advance, fire cover, burglary cover, emergency hotel extension, value added services and many more. The Leisure Travel plan by ICICI Lombard Travel Insurance is available in three variants i.e. Platinum, Gold and Silver. 
  • Senior Citizen Plan - The Senior Citizen plan by ICICI Lombard Travel Insurance has been tailor-made for people between the ages of 71 to 80 years. It provides elderly travelers with ample protection from an unpredictable incident that they may face during their travel abroad. This ICICI Lombard Travel Insurance plan offers a range of covers including medical cover, loss or delay of check-in baggage, loss of passport, emergency cash advance, trip delay, missed flight connection, personal liability and personal accident amongst others.
  • Asia Plan - The Asia plan by ICICI Lombard Travel Insurance has been customized to suit the needs of people traveling to an Asian country. It offers a sum insured amounting to USD 25,000 and can be purchased by solo travelers, families as well as senior citizens. Some of the coverage provided under this ICICI Lombard Travel Insurance plan includes medical cover, repatriation expenses, hijack distress allowance, political risk & catastrophe evacuation, loss or delay of check-in baggage, personal accident, personal liability and trip delay.

2. Multi-Trip Travel Insurance­

The Multi-Trip policy by ICICI Lombard Travel Insurance has been designed exclusively for people who frequently travel abroad. This overseas travel insurance plan caters to the needs of business travelers who regularly have to travel outside the country for work purposes. It offers the benefits of travel insurance on each international trip without having the need to buy a new policy before every travel. This ICICI Lombard Travel Insurance policy offers a wide range of coverage including medical cover, accidental death (common carrier), personal liability, loss of passport, loss or delay in check-in baggage, missed flight connections, political risk & catastrophe evacuation, trip cancellation & interruption and value added services amongst others.

ICICI Lombard Travel Insurance: Eligibility Criteria

The eligibility criteria for the various insurance plans by ICICI Lombard Travel Insurance are mentioned below:

Travel Insurance Plans Minimum Entry Age Policy Validity
Single Trip Travel Insurance Leisure Travel Plan 3 months  to 70 years Up to 180 days
Senior Citizen Plan 71 to 85 years
Asia Plan 3 months  to 70 years
Multi-Trip Travel Insurance 3 months to 70 years Up to 30, 45 or 60 days

 

ICICI Lombard Travel Insurance Coverage

An insured international traveler can avail the following coverage on buying a travel insurance policy by ICICI Lombard:

  • Medical Cover: The insurer covers all the medical treatment expenses, including hospitalization cost, of the insured arising due to a disease or an illness. It also covers the cost of medical evacuation to a hospital
  • Repatriation of Remains: ICICI Lombard Travel Insurance covers the cost of transporting the mortal remains of the insured back to India as well as the cost of burial or local cremation
  • Daily Hospitalization Allowance: The insured is given an allowance to cover day-to-day hospitalization expenses if he is admitted for more than 2 days
  • Dental Treatment: All expenses incurred by the insured on dental treatment due to an injury caused to his natural teeth are covered by the insurer
  • Personal Accident: ICICI Lombard Travel Insurance will pay compensation to the insured or his family if the insured dies or suffers from a disability as a result of an accident during his trip abroad
  • Accidental Death (Common Carrier): The insurer will pay compensation to the insured or his family if he dies or suffers from permanent total or partial disability due to an accident of the common carrier in which he was traveling
  • Total Loss of Check-in Baggage: ICICI Lombard will reimburse the losses incurred by the insured in case his check-in baggage is lost by the airline
  • Delay in Check-in Baggage: If there is a delay of more than 6 hours in the arrival of the check-in baggage, the insurer will pay for the expenses incurred by the insured on essential personal products
  • Political Risk & Catastrophe Evacuation: In the event of political risk or catastrophe in the country where the insured is visiting, ICICI Lombard Travel Insurance will cover all the expenses incurred for his evacuation to a safe place nearby or back to India
  • Compassionate Visit: In case the insured is hospitalized for more than 5 days, the insurer will pay for the cost of traveling and stay of one family member of the insured to the country where he is admitted
  • Loss of Passport: If the insured traveler loses his passport, the insurer will reimburse all the expenses incurred in obtaining a new or duplicate passport
  • Personal Liability: ICICI Lombard Travel Insurance will pay compensation towards any legal liability of the insured arising due to unintentional injuries or damages caused to another person or third party property
  • Trip Cancellation & Interruption: In case the trip gets canceled or interrupted due to unforeseen incidents like medical illness, natural calamities or terrorism, the insurer will reimburse the losses incurred by the insured on pre-paid hotel and flight bookings
  • Trip Delay: The insurer will reimburse the expenses incurred by the insured if his flight is delayed for more than 6 hours
  • Bounced Booking: ICICI Lombard Travel Insurance will reimburse the additional expenses incurred by the insured in case his flight or hotel booking gets bounced
  • Emergency Cash Advance: If the insured loses his money while traveling, an emergency cash allowance will be provided by the insurer
  • Emergency Hotel Extension: The insurer will cover the additional hotel expenses incurred by the insured if his flights get delayed due to unforeseen incidents like medical emergencies or natural calamities
  • Loss of Baggage & Personal Effects: In case the insured traveler loses his baggage and personal belongings during his trip, the insurer will pay for the losses incurred by him
  • Missed Flight Connections: ICICI Lombard Travel Insurance will pay for the losses incurred by the insured if he misses his connecting due to an inward flight delay of more than 3 hours
  • Hijack Distress Allowance: The insurer will give compensation to the insured if the airplane or ship in which he was traveling gets hijacked
  • Return of Minor Child: ICICI Lombard will pay for the cost of an economy class ticket if a minor child is left unattended abroad
  • Home Insurance: The insurer will pay compensation for the losses incurred by the insured of his house in India catches fire or gets burgled
  • Value Added Services: ICICI Lombard Travel Insurance also offers a bunch of Value Added Services to the dependent family members of the insured traveler in India while he is outside the country. It consists of medical concierge services, automotive assistance services and lifestyle services.
    • The medical concierge services include home nursing care assistance, medical service provider referral, appointments with local doctors for treatment amongst others.
    • The automotive assistance services include on the spot minor repair, flat tyre service, breakdown services, towing and jumpstart.
    • The lifestyle services include plumbing services, electrical assistance, pest control assistance, home movers assistance, electrical gadget repair assistance and many more.
Coverage(In USD) Single Round Trip Gold Multi-Trip
Leisure Travel Plan Senior Citizen Plan Asia Plan
Plan Variants Platinum, Gold, Silver - - -
Medical Cover 50,000 to 5,00,000 25,000 to 50,000 25,000 1,00,000 to 5,00,000
Repatriation of Remains (Included in Medical cover) 7,500 7,500 7,500 7,500
Daily Hospitalization Allowance 50 per day for up to 5 days (only in Platinum plan) - - -
Dental Treatment 300 - 300 300
Personal Accident 15,000 (except in Silver plan) 2,500 15,000 15,000
Personal Liability 1,00,000 (except in Silver plan) 1,00,000 1,00,000 1,00,000
Accidental Death (Common Carrier) 5,000 (except in Silver plan) - 5,000 5,000
Total Loss of Check-in Baggage 500 (except Silver plan) 500 500 500
Political Risk & Catastrophe Evacuation 7,500 (except in Silver plan) 7,500 7,500 7,500
Compassionate Visit 7,500 (only in Platinum plan) - - -
Delay in Check-in Baggage 100 (except in Silver plan) 100 100 100
Loss of Passport 300 (except in Silver plan) 300 300 300
Trip Cancellation & Interruption 500 (except in Silver plan) 500 500 500
Trip Delay 500 (except in Silver plan) 500 500 500
Bounced Booking 2,000 (only in Platinum plan) - - -
Emergency Cash Advance 1,000 (except in Silver plan) 1,000                 1,000 1,000
Emergency Hotel Extension 5,000 (only in Platinum plan) - - -
Loss of Baggage & Personal Effects 2,000 (only in Platinum plan) - - -
Missed Flight Connections 500 (except in Silver plan) 500 500 500
Hijack Distress Allowance 125 per day for up to 7 days (except in Silver plan) 125 per day for up to 7 days 125 per day for up to 7 days 125 per day for up to 7 days
Return of Minor Child Up to 7,500 (only in Platinum plan)   -  
Home Insurance (In INR) Fire Cover for Building 20,00,000 (only in Platinum plan) - - -
Fire Cover for Contents 10,00,000 (only in Platinum plan)
Home Burglary 1,00,000 (only in Platinum plan)
Value Added Services Available only in Platinum plan - - Available

 

ICICI Lombard Travel Insurance: List of Exclusions

  • Pre-existing diseases: The insurer does not cover any claims arising out of a pre-existing medical condition, even if it has been declared
  • Addiction: Any treatment expenses arising due to addiction to drugs and alcohol will not be covered by ICICI Lombard Travel Insurance
  • The insurer will not pay for the treatment expenses incurred due to mental disorder, depression or anxiety
  • It does not cover any claims arising due to venereal diseases
  • ICICI Lombard will not pay for the cost of treatment related to sexually transmitted diseases as well as HIV and AIDS
  • Any claims arising due to any radiation or nuclear weapon will not be covered by the insurer
  • The insurer will not pay for the loss of valuables, money, tickets or securities
  • ICICI Lombard Travel Insurance will not cover expenses incurred on Naturopathy or Homeopathy treatments and therapies by Ayurveda
  • Any claims arising due to participation in sporting activities will not be covered by the insurer
  • The insurer will not pay for the expenses incurred on correction treatments like cosmetic or plastic surgery
  • ICICI Lombard will not cover the cost of recuperation or rest at a health resort or spa

ICICI Lombard Travel Insurance Claim

Travel plans can easily get disrupted if you do not have a travel insurance policy to take care of all your unaccounted losses during the trip. In order to avail assistance from ICICI Lombard, you need to know how to raise a timely claim, be it cashless or reimbursement. Here is a rundown for the claim procedure of ICICI Lombard Travel Insurance:

Cashless Claims Registration

  • Cashless claims can be availed only at a network hospital of ICICI Lombard Travel Insurance
  • Inform ICICI Lombard’s Assistance Service Provider (ASP) about your hospitalization via phone, email or fax
  • Send a pre-authorization request to the ASP
  • The ASP will verify your claim with the policy and send pre-authorization for the treatment
  • Receive the whole treatment and get discharged from the hospital
  • ICICI Lombard will settle the bills directly with the hospital

Reimbursement Claims

Reimbursement claims under ICICI Lombard Travel Insurance can be registered for incidents like loss of passport, delay in check-in baggage arrival, home burglary, trip cancellation & interruption, hijack distress allowance and many others. Follow the steps mentioned below to file a reimbursement claim under ICICI Lombard Travel Insurance:

  • Inform ICICI Lombard’s ASP about your claim
  • Fill up the claim form of ICICI Lombard Travel Insurance
  • Send the claim form along with all the supporting documents to the ASP
  • The ASP will review your claim against your policy coverage
  • ICICI Lombard will pay you the claim amount within 15 days

Documents Required for Claiming ICICI Lombard Travel Insurance

  • Duly completed claim form
  • Original flight ticket/ boarding pass or photocopy of passport indicating the travel dates
  • All bills and payment receipts in original
  • Original police report or photocopy of the FIR, if any
  • Medical reports and hospital discharge summary mentioning the insured’s name and treatment dates (In case of medical expense)
  • Medicine prescriptions, bill and payment receipts (in case of medical expense)
  • Photocopy of insured’s death certificate (in case of death)
  • Property Irregularity Report issued by the common carrier in which the insured was traveling (in case of check-in baggage loss or delay)

However, the insured traveler is advised to confirm the list of supporting documents with the Assistance Service Provider of ICICI Lombard Travel Insurance at the time of filing a claim.

How to Apply for ICICI Lombard Travel Insurance?

Travel insurance policies by ICICI Lombard can be purchased both online and offline. You can apply for a travel insurance policy by ICICI Lombard online by following the steps given below:

  • Visit the official website of ICICI Lombard Travel Insurance
  • Go to Travel Insurance and select the plan you want to buy
  • Enter your travel dates and the geographic location you are visiting
  • Check the premium quote and fill up the proposal form
  • Review all the details including the name of the nominee
  • Select a suitable mode of premium payment and pay the amount
  • Download a copy of your travel insurance policy by ICICI Lombard

ICICI Lombard Travel Insurance Renewal

ICICI Lombard has an extremely easy procedure for renewal of travel insurance policies online. All you have to do is to follow the renewal steps mentioned below:

  • Visit the official website of ICICI Lombard Travel Insurance
  • Go to renewals and select Travel Policy
  • Enter your policy number and proceed
  • Pay the premium amount online
  • Download a copy of your renewed travel insurance policy

ICICI Lombard Travel Insurance - FAQs

Q.1 Will my ICICI Lombard Travel Insurance cover my pre-medical conditions like Diabetes?

Any claim arising out of a pre-existing medical condition including Diabetes will not be covered by travel insurance policy by ICICI Lombard, irrespective of being declared or undeclared.

Q.2 How many days will it take me to receive the policy papers if I buy my travel insurance policy by ICICI Lombard online?

You will receive the hard copy of your travel insurance policy within 15 working days. You can also print a copy of the policy that you receive in your mail after buying it.

Q.3 Does ICICI Lombard Travel Insurance apply any sub-limits for Schengen countries?

No. Travel Insurance by ICICI Lombard does not apply any sub-limits for Schengen countries.

Q.4 Do I need to pay any fee on canceling my travel insurance policy?

You will have to pay INR 300 for canceling your ICICI Lombard Travel Insurance.

Q.5 Will I get a refund on canceling my travel insurance policy by ICICI Lombard?

If you cancel your travel insurance policy by ICICI Lombard, you will get a refund of the amount paid on a pro-rata basis only if you have not made any claims and at least 30 days are left for the policy to expire.

Written By: PolicyBazaar - Updated: 19 August 2019
Page Rating
4 / 5 based on 27 User Reviews

ICICI Lombard Travel Insurance Reviews

TOTAL REVIEWS (27)
Naman
Mundra
October 24, 2016

Policy that satisfied

Best travel insurance plan which comes in low investment but the benefits are much more. Policy coverage is fantastic and claims are high which is easily sanctioned. The loss while travelling is reimbursed by the insurance policy.

Digvijay
Manipal
October 06, 2016

Happy With Your Insurance Plan

Best insurance policy which given by icici lombard general insurance company. The premium is normal but the returns are much bigger than that of investment. Management to service each customer on the same time is very nice of your company. Online renewals are the best facility.

Sumit
Kiratpur
September 30, 2016

Safe Journey with ICICI Insurance

Premium is less and benefit is much what else i need from my travel insurance plan. The coverage is high and the claims are sanctioned easily due to instant service given by the executives. Even the lost item and belongings are reimbursed by the insurance company. Happy to have a travel insurance from ICICI lombard general insurance.

Vishal
Bikaner
August 29, 2016

Worthy Insurance Plan

While on the trip i had an accident, i lost my baggage and valuable belongings with it. Thank god i have a travel insurance policy from icici lombard general insurance. Service is fantastic and more benefits in less investment. The medical emergency is inbuilt in the plan but not the dental problems.

Akash
Jaisalmer
July 25, 2016

Secure Trip

My last trip was very exciting because i don't have any tension and enjoyed a lot. I purchased lombard travel insurance which provide me full security and safe travelling. Premium of the policy is low but the only thing is no returns of tickets money. Rather than this the the whole all other staff was great.

Neeraj
Noida
July 08, 2016

Good Policy

Travel insurance policy is very important while travelling because the insurance provides the reimbursement of lost items and belongings. The medical conditions are also treated well. Policy coverage and claims are very high. Online portal service is easy to use and renewal of policy can be done on it.

Utkarsh
Ballabhgarh
June 25, 2016

Travel Insurance

I have secure my trip by purchasing travel insurance plan. The policy cover's loss luggage reimbursement, medical care and many more. But the refund money of the tickets is not possible. Claims are high and easy to claimed. The internet service is fast which makes many task easier like renewal and updates of the policy. Good insurance.

Nirmal
Tirupati
June 22, 2016

Great Insurance Policy

The policy I have is really good terms like the emergency evacuations from the countries is funded at unwanted situations. For the claims just contact/dial the number facilitate on the website of the company. The coverage is high which includes luggage lost and medical emergencies. Great travel insurance plan provided by icici lombard general insurance.

Meenu
Ambala
June 22, 2016

Satisfactory Policy

My travel insurance plan is simple and easy. The policy coverage is good and premium is low. Service provided by the staff appointed to do the work is nice. It makes trip tension free and full enjoyable. The claiming part is simple and easily sanctioned due to fast service facilitate by the executives. I like the policy, Satisfactory for me.

Ratika
Mussorie
June 22, 2016

Tension Free Travelling

Recently buy the travel insurance plan for my grandparents. The policy covers so many things which makes easier to travel for them. The medical emergencies is there in the policy, even luggage lost is reimbursed by the terms and conditions of the insurance plan. The service is fantastic facilitate by the staff of the company. Even web service is so simple to operate. Good plan, My grandparents like it too.

Tannu
Ratlam
June 22, 2016

Coverage Is High

Insurance is very important nowadays for hassle free, tension free life. For my last trip I purchase travel insurance from icici lombard general insurance. The premium is low and returns are many. Baggage is secure in the whole trip and if lost it reimburse the lost. Medical service is already built in the policy. I like the service you provided and yes insurance policy too.

Yuvraj
Kurukshetra
June 22, 2016

Fair Insurance Policy

My colleague advice me in purchasing travel insurance plan. The policy is nice with some interesting benefits. Policy coverage is good and premium is low. Claims are easy to claimed and sanctioning the claims are simple because of fast service. Good decision to go with you, My trip was very relaxing and tension free.

Utkarsh
Mathura
June 22, 2016

Average Insurance

I have travel insurance plan in just very low investment. The policy has many beneficial terms like medical care, luggage lost, etc. The policy coverage is high and service is so quick. Claims are also good and sanctioning it is simple. Hassle free documentations. The internet portal service is the best which has easy interface which can be manage by anyone.

Ishani
Gwalior
June 22, 2016

Perfect Travel Insurance

Finally got the travel insurance plan for my parent. The insurance policy covers luggage lost recovery, Medical conditions are inbuilt in the policy. Hotel, trip, tickets extension is possible without phasing any problems. Service is damn good, no second doubts in that and the behaviour of the executives and staff members is very nice. Good plan, I'm happy and parents too.

Omesh
Laksar
June 22, 2016

Excellent Work

The travel insurance plan I buy for my upcoming trip, I thought everyone has does this thing for safe and secure journey. The premium is low and policy coverage is high ~85%. Service is good which is on time too. Internet service is also there which easily accessible. I must say, you guys doing great work.

Pratima
Amritsar
June 22, 2016

Great Deal

My last trip is so amazing and I was so tension free because of my travel insurance plan. The policy provides me tension free trip it covers baggage lost reimbursement, hotel extension in emergency is also there, the medical backups for the policy owner and its family too. Service is fantastic and on time. Great deal in low investment.

Lavanya
Chandigarh
June 22, 2016

Trustable Plan

I purchase travel insurance plan which brings me many advantages like the lost luggage is reimbursed by the company and medical conditions are covered in the policy. The dental medical problems and refund money of the tickets is not possible. Policy premium is low and the claims are good. Good insurance policy which makes my trip easier.

Karan
Pratapgarh
June 21, 2016

Manageable

Recently I found a good policy for travelling. I purchased it in low premiums. The insurance policy is icici lombard travel insurance plan. Policy coverage is high, the luggage lost is reimbursed but the ticket refund is possible not the money. Manageable insurance policy.

Jayant
Indore
June 21, 2016

Awesome Policy

Buy travel insurance plan in low premiums. The policy coverage is high and claims are good. The luggage lost is recoverable. Service is fast and on time too. Good investment, The trip will become more easy and hassle free. Updates mailed to my email address regularly.

Hitesh
Lonavla
June 21, 2016

Not Satisfactory

The insurance plan I have is icici lombard travel insurance plan but it is not satisfactory for me. The premium is high. Policy coverage is less. The refund amount of tickets is not possible, dental medical conditions are not included in the policy. Please improve the policy.

Gautam
Jhansi
June 21, 2016

Good

I have travel insurance plan which is superb policy. Service provided by the executives and staff is fantastic. Policy coverage is high ~89% and the claims are good. The luggage lost is reimbursed by the policy and medical requirement in the whole trip is inbuilt. Accidental death benefits are also there.

Fakir
Bangalore
June 21, 2016

Fantastic Plan

My father gave me travel insurance for my trip with friends. The policy coverage is high and the claims are good. Service facilitate by the executives and staff members is really very nice and fast. The luggage lost is reimbursable and the medical emergency is inbuilt in the policy.

Dinesh
Bhubaneshwar
June 21, 2016

Good Investment

After a long search I found the perfect policy for travel i.e., icici lombard travel insurance plan on internet. The policy coverage is good and luggage, medical conditions are covered but the amount of ticket refund is not possible. Service is quick and 24X7 availability of customer support.

Saahir
Ooty
June 21, 2016

Nice Plan

The premium of my policy is very less and the returns are much. Policy coverage is high, baggage lost is recover by the policy terms and conditions. Claims are high and easily sanctioned due to fast service provided by icici lombar general insurance. My product is travel insurance plan and I'm happy to buy it.

Abhishek
Malapuram
June 21, 2016

Wonderful Plan

My friend advice me to buy travel insurance for trip. I buy icici lombard travel insurance plan which has many benefits like luggage missing is insure by the policy and even medical cases is also included except dental problems. The policy coverage is high ~84% and claims are easy to sanction due fast service. Good job.