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.
* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years
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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.
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:
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:
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.
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|
An insured international traveler can avail the following coverage on buying a travel insurance policy by ICICI Lombard:
|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)||-||-||-|
|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|
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:
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:
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.
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:
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:
Ans: 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.
Ans: 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.
Ans: No. Travel Insurance by ICICI Lombard does not apply any sub-limits for Schengen countries.
Ans: You will have to pay INR 300 for canceling your ICICI Lombard Travel Insurance.
Ans: 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.
Ans: Yes. ICICI Lombard offers travel insurance policy to business travellers that have been tailor-made to suit their needs.
Ans: In order to obtain a Schengen visa, you need a travel insurance policy with a minimum cover of EUR 30,000. Therefore, you can opt for the minimum sum insured offered by ICICI Lombard i.e. USD 50,000 while travelling to the Schengen countries.
Ans: ICICI Travel Insurance offers coverage for a maximum trip duration of 180 days. However, the provider allows you to extend your trip coverage for another 180 days.
Ans: If you need to receive any medical treatment during your trip, you would have to take a pre-approval from ICICI Lombard or its Assistance Travel Provider for cashless treatments.
Ans: Yes. The person to be insured under international travel insurance should be present in India at the time of buying the policy from ICICI Lombard.
Ans: ICICI Lombard allows you to extend your travel insurance policy as many times as you want, provided the total policy duration should not be more than 360 days.
Ans: You can purchase an international travel insurance policy by ICICI Lombard if you are going for a 4-day trip. However, you will have to pay the premium for a duration of at least 1 week as per the guidelines of the insurance company.
Ans: Yes. You can easily extend your travel insurance policy by ICICI Lombard online. However, your extension will depend on the terms and conditions of the insurance provider.
Ans: No. ICICI Lombard will issue only one travel insurance policy to a traveller for the same trip.
Ans: ICICI Lombard will issue an international travel insurance policy to an immigrant visa holder for a maximum duration of 90 days. Moreover, the policy cannot be extended under this circumstance.
Ans: Yes. If you return from your trip earlier than planned, you will receive a partial refund on your travel insurance premium. However, the refund will be made only if you have not made any claims and there are more than 30 days left for the expiry of the policy.
Ans: ICICI Lombard offers five modes of paying your travel insurance policy premium. It includes –
Ans: If you are unable to produce certain necessary documents at the time of claim, ICICI Lombard will, unfortunately, deny the claim.
Ans: An insurance claim with ICICI Lombard should be submitted within 30 days of the occurrence of the emergency event. In the case of reimbursements, you can register a claim within 30 days of getting discharged from the hospital.
Ans: Yes. ICICI Lombard can settle your insurance claims within once you have returned back to India, except in the case of a financial emergency.
Ans: Ideally, your parents should keep 1-2 copies of their ICICI Lombard travel insurance with them while travelling. However, if they lose their policy document or forget to carry it with them during the trip, they can take a printout at any place.
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