ICICI Lombard International Travel Insurance

Why ICICI Lombard International Travel Insurance?

The International travel plan by ICICI Lombard Travel Insurance is designed to provide financial protection and assistance to Indians travelling abroad. This policy offers coverage for various risks and unforeseen events that may occur during international trips. It includes several benefits, such as medical coverage, assistance with lost or delayed baggage, compensation for trip cancellations, and emergency assistance services.

Provided by the reputed ICICI Lombard General Insurance Co. Ltd., this policy aims to offer you complete peace of mind. The coverage and various plan variants ensure that you can enjoy your trips knowing that you and your loved ones are protected against potential mishaps.

ICICI Lombard International Travel Insurance Plan Variants

This ICICI Lombard International Travel Insurance policy offers different plan variants suitable for different travellers. It comes with varying benefits which lets you choose the plan according to your needs and budget. Here's an overview to help understand the benefits of some of the plan variants:

There are also other plans with specific benefits, including:

• Senior Citizen Plan: Designed for those aged 71-85 years.
• Multi Trip Plan: A one-year plan made for frequent travellers with options of 30, 45, and 60-day maximum trip durations.
• Asia Plan: Specially designed for those travelling to APAC countries. It includes financial emergency assistance and personal liability coverage.

ICICI Lombard International Travel Insurance Eligibility Criteria

Any Indian who wishes to travel abroad can buy this ICICI Lombard International Travel Insurance policy. However, here are the key eligibility criteria to keep in mind when considering this policy:

• Age: No medical test is required for individuals up to 85 years old.
• Pre-existing Conditions: The policy generally does not cover claims arising from pre-existing medical conditions or ailments, whether declared or undeclared.
• Geographical Location for Renewal (For Annual Plans Only): The policy can be renewed only if the insured is within the Indian geographical location.
• Visa Type: If travelling under an immigrant visa, claims for contingencies after 90 days from the policy's start date may not be covered.

ICICI Lombard International Travel Insurance Inclusions

Every policy states its coverage benefits in the list of inclusions. Here are some key inclusions under this ICICI Lombard International Travel Insurance policy explained in simple terms:

• Medical Cover: The policy covers medical expenses if you get sick or injured while travelling. It will also cover the cost of emergency medical evacuation to get you to a hospital.
• Repatriation of Remains: In the unfortunate event of death, the policy will cover the costs to transport the insured's remains back to India. It will also cover costs in case of a local burial or cremation.
• Personal Accident: In case of an accidental death or permanent disability caused by an accident during your trip, the policy provides compensation.
• Loss of Checked-In Baggage: If the airline loses your checked-in luggage, the policy will reimburse you for the loss.
• Loss of Passport: If your passport is lost or stolen, the policy helps cover the costs of getting an emergency certificate or a new passport.
• Trip Cancellation & Interruption: If your trip is cancelled or cut short due to unforeseen events like medical emergencies, natural disasters, or terrorism, the policy reimburses your non-refundable expenses like flight and hotel booking costs.
• Hijack Distress Allowance: If the common carrier you are travelling in gets hijacked, this ICICI Lombard International Travel Insurance policy will provide a daily allowance for the distress caused to you.
• Personal Liability: If you are held legally responsible for unintentionally causing bodily injury or property damage to someone else, the policy covers the compensation costs.
• Bounced Booking: If your confirmed flight or hotel booking is cancelled at the last minute by the airline or hotel, the policy reimburses the additional expenses incurred.
• Return of Minor Child: In case of the death of the insured traveller abroad, the insurer will reimburse the cost of the economy class air ticket incurred for sending the unattended minor child/children back to the country of residence.

ICICI Lombard International Travel Insurance Exclusions

There are certain situations when your ICICI Lombard International Travel Insurance plan won't cover you. Here are some of them to help you understand what the policy typically does not cover:

• Pre-existing Medical Conditions: The policy does not cover any claims related to medical conditions or ailments you had before taking out the insurance
• Hazardous Activities: If you get injured while participating in dangerous activities, the policy will not cover your claim unless it's specifically stated in the policy that these activities are covered.
• Events Outside the Trip: The policy won't cover any incidents that happen before your trip starts or after it ends.
• Total Loss of Checked-In Baggage: The policy does not cover valuables.
• Self Harm: There is no coverage in respect of death or disability arising from intentional self-injury/suicide/attempted suicide.
• War: Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war-like operations.
• Influence of Intoxicating Liquor/ Drugs: No coverage for losses incurred if the Insured is under the influence of intoxicating liquor/ drugs.
• Cosmetic Treatment: Beauty or cosmetic treatment in any form or manner.

ICICI Lombard International Travel Insurance Claim Procedure

To raise a claim under the Travel Insurance policy, you can reach out to Policybazaar or contact the insurer. You can follow these steps:

• Immediate Notification: In case of any contingency that may need a claim, immediately notify your Assistance Service Provider appointed by the Company. You will easily find their toll-free numbers, Fax Numbers, or Email.
• Register the Claim: After providing your identity, register the claim with the Assistance Service Provider.
• Gather Documents: Collect all necessary documents relevant to the specific claim, as listed under the respective benefits in the policy.
• Submit Documents: Send the claim documents As soon as you return to India, unless the Company or Assistance Service Provider requires them earlier. This should be done no later than 30 days from the date of your return.
• Claim Submission: Submit claims for insurance benefits no later than one month. Once all the documents have been verified, the insurer will update you about the claim status.