Benefits of ICICI Lombard international travel insurance

ICICI Lombard travel insurance review benefits

• ICICI Lombard international mediclaim insurance - Details, Benefits & Reviews

  ICICI Lombard Abroad Travel Medical Insurance provides coverage for unexpected medical expenses while traveling overseas. It offers two options - Gold Plan and Platinum Plan. Travel Gold Plan furnishes the standard coverage but the travel Platinum Plan covers you with extra features to secure your travel abroad.

  Coverage	Platinum	Gold	Deductible
  Medical Cover	$50,000 / $100,000 / $250,000 / $500,000	$50,000 / $100,000 / $250,000 / $500,000	$100
  Global Cashless Hospitalization	Available	Available	N/A
  Day-to-day allowance for hospitalization	$50 per day, Max 5 days	-	NA
  Dental Treatment	$300	$300	$100
  Passport Loss	$300	$300	$50
  Loss of Checked-in Luggage	$500	$500	N/A
  Delay of Checked-in Luggage	$100	$100	12 hours
  Personal Accident	$15,000	$15,000	N/A
  Personal Liability	$100,000	$100,000	N/A
  Assistance for Financial Emergency	$300	$300	N/A
  Hijack Distress Allowance	$125 per day, Max 7 days	$125 per day, Max 7 days	12 hours
  Trip Cancellation & Interruption	$500	$500	N/A
  Missed Connection	$500	$500	3 hours
  Trip Delay	$500	$500	6 hours
  Fire cover for building	Rs. 20,00,000	N/A	N/A
  Fire cover for Contents	Rs. 10,00,000	N/A	N/A
  Repatriation of Remains	$7,500	$7,500	N/A
  180 days Policy extendable upto 360 days	Available	Available	N/A

  * - The deductible for medical coverage applies for per illness (full treatment) basis and not for per visit to the doctor / hospital.

  Note:For medical Cover the maximum amount that can be claimed per illness or injury is $100,000. Further sub-limits applicable for persons aged 56 and above.

  # - The building is insured based on reconstruction value and the Contents are insured on their present market value.

  $ - 2 days deductible - If hospitalization is for more than 2 consecutive days, this benefit can be cleared only once during the policy period.

  ** - Applicable when the luggage is delayed for more than 12 hours from the actual arrival of common carrier.

  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 51 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 aged 51 years and above for any one illness and/or injury

  For persons aged 51 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 Expense	Sub-limit
  Hospital Room and board, and hospital misc. expenses	Max $1,800 per day up to 30 days.
  ICU Charges	Max. $3,250 per day up to 7 days.
  Surgery*	Max. up to $15,000.
  Anaesthetist services	Up to 25% of surgical treatment.
  Physician's visit	Max. $100 per day up to 10 visits.
  Diagnostic and pre-admission testing	Max. $1000.
  Ambulance services**	Max up to $500.

  Note:

  *Surgery: includes Operation room charges, Surgeon fees and implant charges

  **Ambulance Services: includes cost of transportaation to hospital and paramedic services

• ICICI Lombard travel medical insurance eligibility

  • Single trip: Travelers aged up to 70 years
  • Senior citizen: Travelers aged above 70 years avail our Senior Citizen Plan
  • Schengen visa
    1. Travelers aged 3 months – 70 years are eligible for these coverage: $50,000 max coverage & $100,000 max coverage.
    2. Travelers aged 71 years – 85 years are eligible for these coverage: $50,000 max coverage.

• ICICI Lombard visitor travel insurance exclusions

  Pre-existing conditions are not covered. Any type of diseases related to Heart, Liver, Kidney, Cancer / Tumour are permanent exclusions. Please refer to the policy wordings for complete list of exclusions.

  • Loss of Passport in Public places.
  • Venereal diseases.
  • Sports activities.
  • Alcohol or drugs addiction.
  • Depression, Mental disorder, Anxiety.
  • Pregnancy, childbirth and any consequences thereof.
  • Loss of money, valuables, tickets and securities.
  • Nuclear weapons and harmful radiations.
  • Sexually Transmitted diseases.

• ICICI Lombard travel insurance features

  • Pay Per day: Slab rate for first 7 days only, then pay on a per day basis.
  • The insurance provides coverage for medical evacuation costs while traveling back to India.
  • Up to the age of 85 years, medical check-up is not required.
  • Quality health care is available through our tie up with United Health International (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 globally.
  • Extension of the policy online if your trip has been extended and pay only for the number of days extended.
  • This policy also covers you for hospitalization( If it's not a pre-existing illness ) in case of Swine Flu / H1N1 influenza.
  • ICICI Lombard offers Value added services which includes medical concierge, automotive and lifestyle assistance.
  • Offers emergency hotel extension.
  • Also offers value added benefits for dependents in India.

• ICICI Lombard travel insurance claim process

  E-mail: travelclaims@icicilombard.com

  Claims Process

  • Hospitalisation/Financial Emergency/Bail Bond
  • Inform TPA Helpline and register claim aboard
  • Validation & Authorisation
  • TPA settles bills directly with hospital/provides financial assistance
  • 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

• How to buy ICICI Lombard travel insurance online?

    Buy Credit/debit card

  The purchase process for overseas travel insurance plans is convenient through credit/debit. Customers can buy this insurance from anywhere in the world, be it the USA, Canada, Europe, Australia or within India. Insurance customers can make the online transaction for ICICI Lombard overseas travel insurance using their credit card or debit card. Enter your credit card details make the secured payment through secured payment gateways and stay covered under ICICI Lombard travel insurance policy.

    Buy travel insurance using cheque

  The online facility for ICICI Lombard travel insurance purchase can be also made using your cheque. The cheque can be sent to the address specified on the online application and the purchase process for ICICI Lombard travel insurance can be completed. The policy document can be issued, emailed and couriered after receiving the payment. Indian cheques are accepted to issue the ICICI Lombard travel insurance online.

  Note : To ensure quality health care in America, ICICI Lombard has partnered with UnitedHealth Group, one of the leading Health Care providers in the United States. This gives our customers access to United Healthcare network of hospitals and physicians in USA.

  Other payment options include

  Cash Cards - ItZ cash, Pay Cash

  Mobile Payments - Paymate, IMPS , Scan N Pay

  Wallet - Paytm, Mobikwik, Oxigen wallet, Freecharge, Jio Money etc ...

  UPI - Unified Payment Interface