What are the major exclusions in the ICICI Lombard international travel insurance policy
Some of the major exclusions in the policy are as follows:
Any claim due to or arising out of pre-existing medical condition/ailment is not covered under the Policy.
Traveling against the advice of the physician.
Traveling overseas for the purpose of treatment.
HIV/AIDS, Mental or psychiatric disorders
Self-inflicted injuries; Drug or alcohol abuse
Any form of cosmetic treatments and more
What are the key benefits of ICICI Lombard international travel health insurance?
Some of the key benefits of ICICI Lombard international travel health insurance are as below.
Accident & Sickness Medical Expenses : The insurance company will arrange for cashless reimbursement for the covered medical expenses subject to specified deductible for illness/injury as stated in the policy schedule.
Emergency Medical Evacuation: In case of any medical emergency, the insurance company will arrange for evacuation and transportation of the insured to a location where appropriate medical facilities are available after prior approval from the assistance company.
Medical Repatriation : In case the insured dies outside of India. The insurance company agrees to make necessary arrangements for the return of insured remains to India or nearest burial ground with prior approval from the assistance company.
Personal Accident: The insurance company pays the insured / legal heir the agreed amount as per the policy schedule for death and dismemberment due to accident.
Baggage Loss: The insurance company will pay the insured as per the policy schedule for total loss of checked baggage by an international airline.
Baggage Delay: The insurance company will reimburse the insured for the necessary emergency purchase of items due to delay of checked baggage as per the policy schedule.
Missed Flight Connection: The insurance company will reimburse the insured for additional expenses incurred for missing a connecting flight per the policy schedule.
Bounced Hotel /Airline booking : The insurance company will reimburse the insured for the bounced hotel / air ticket booking due to covered reasons according to the policy schedule.
Political risk and Catastrophe evacuation: The insurance company will reimburse the cost incurred by the insured for returning back to India or the nearest place of safety in case of emergency evacuation from the country where he / she is staying due to covered reasons.
Value Added Services : Services like Medical Concierge, Automotive Assistance & Lifestyle Services for dependents in India.
Trip Cancellation & Interruption : The insurance company reimburses the insured the non-refundable prepaid payments, for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters.
Trip Delay : The insurance company reimburses the insured additional expenses incurred if trip is delayed for more than the stipulated time as per policy schedule.
Loss of Baggage & Personal Effects : The insurance company provides reimbursement for loss incurred due to loss of Checked In Baggage or personal effects outside the airport as per the policy schedule.