ICICI Lombard Overseas Health Insurance, Travel Insurance ICICI Lombard

ICICI Lombard 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.

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	-
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	-
Delay of Checked-in Luggage**
$100	$100	12 hours
Personal Accident
$15,000	$15,000	-
Personal Liability
$100,000	$100,000	-
Assistance for Financial Emergency
$300	$300	-
Hijack Distress Allowance
$125 per day, Max 7 days	$125 per day, Max 7 days	12 hours
Trip Cancellation & Interruption
$500	$500	-
Missed Connection
$500	$500	3 hours
Trip Delay
$500	$500	6 hours
Fire cover for building#
Rs. 20,00,000	-	-
Fire cover for Contents
Rs. 10,00,000	-
Repatriation of Remains
$7,500	$7,500	-
180 days Policy extendable upto 360 days
Available	Available	-

* - 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