ICICI Lombard senior citizen travel insurance

ICICI Lombard overseas travel insurance for senior citizen

Senior citizen travelers are more vulnerable to emergency medical situations while outside India which require quality health care services. ICICI Lombard Senior citizen travel insurance offers coverage for older travelers outside their home country. Irrespective of where the senior traveler are going be it USA, Australia, UK, Europe (Schengen countries), other Asian countries, ICICI Lombard covers them against medical expenses and they can have a hassle free trips worldwide. United Health International, a popular US health care company with which ICICI Lombard works with offers high quality medical facilities for travelers.

ICICI Lombard offers coverage for senior parents from $25,000 to $50,000.

For detailed schedule of benefits review the ICICI Lombard travel insurance brochure. To understand the coverage visit the ICICI Lombard travel Insurance policy wordings. You can also complete an online ICICI Lombard travel insurance proposal form. In case you wish to extend you travel, the insurance plan can be renewed up to 365 days by filling the ICICI Lombard Extension form for travel insurance.

ICICI Lombard senior citizen travel insurance policy plan details

• ICICI Lombard Senior Citizen - Details, Benefits & Reviews

  Coverage	Sum Insured	Deductible
  Medical Cover (includes medical evacuation cost)*	US $25,000 to US $50,000	US $100
  Repatriation of Remains	US $7,500	N/A
  Total Loss of Checked-in Baggage	US $500	N/A
  Delay of Checked-in Baggage	US $100	6 hours
  Loss of Passport	US $300	US $50
  Personal Liability	US $100,000	5% of actual
  Personal Accident	US $2,500	N/A
  Hijack Distress Allowance	US $125 per day(for max. 7 days)	12 hours
  Emergency Cash Advance	US $1000	N/A
  Trip Cancellation & Interruption	US $500	N/A
  Missed Flight Connection	US $500	3 hours
  Trip Delay	US $500	6 hours
  Political Risk and Catastrophe Evacuation	US $7,500	N/A

  * - Deductible of $ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.

  ** - Applicable when the luggage is delayed for more than 6 hours from the actual arrival of common carrier.

  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 insurance review

  • Pay Per Day- no slab rates charged - You don't pay for the days you don't use. So next time you travel for 24 days, you will pay for 24 days and not for 30 days in the slab system.
  • Policy Issuance - The policy is issued without any medical checkup upto 85 years of age.
  • Cashless settlement of claims - You can avail of cashless services at medical institutions worldwide.
  • Lightning Fast Claims - Your claims are settled within 7 days of the receipt of the required documents.
  • Coverage up to 360 days.

• ICICI Lombard travel health insurance eligibility

  • The insured should be of age 71 years to 85 years at the time of buying the policy. The policy must be purchased before the insured leaves India for travelling abroad.
  • Instant Senior Citizen Plan - New senior citizen plan available with no medical tests and offers a claim up to $15,000 per illness or injury.

• ICICI Lombard travel medical insurance exclusions

  • Medical expenses arising out of
    - Pre-existing conditions.
    - 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 valuables, money, securities and tickets.
  • Loss of passport in public places.