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While travelling can be a rejuvenating experience, there is always an element of unforeseen events. A sudden illness, loss of luggage, or documents getting misplaced are some of the situations which one may have to face while travelling. Travel insurance is essential in this day and age. It is wise to travel with strong financial aid and safeguarding means, especially for people who move around globally.
ICICI Lombard is one of India's leading general insurance companies which offers smart insurance solutions. ICICI's travel insurance policies have been specially designed to meet various situations which may arise during one's travel. The company currently provides travel insurance plans for a single trip, for frequent travellers visiting abroad, for senior citizens and Asian tours.
Below is the list of benefits offered by ICICI Lombard Travel Insurance policies:
The categories of different plans offered by ICICI Lombard General Insurance are as follows:
The policies under single round trips for overseas destinations, medical and non-medical expenses are covered for a single and return journey. There are two subdivisions under this option: Platinum plan and Gold plan.
The gold plan includes benefits such as medical expenses cover of up to USD 50,000, 1,00,000, 2,50,000 and 5,00,000. However, the liability is limited to USD 100000 per sickness or disease.
The Repatriation of Remains is covered up to USD 7500. It is included in medical sum assured.
In the case of hospitalisation, a daily allowance of USD 50 is paid for a maximum of five days.
Expenses for dental treatments and loss of passport are covered up to USD 300.
The total loss of checked-in luggage, trip shelve and intrusion, trip delays for more than 6 hours, and missed flight connection are covered up to USD 500.
Emergency accommodation and accidental death are covered up to USD 5000. Bounced bookings of hotel and airline, loss of baggage are covered up to USD 2000.
Political disturbances and disaster evacuation, compassionate visits are covered up to USD 7500. The return journey of a minor is included where the cost does not exceed USD 7500.
Fire cover for home, building, home content and burglary cover for home content is covered up to USD 1,00,000.
Personal liability coverage is provided up to USD 1,00,000.
Expenses are covered up to USD 15,000 in case of personal accident.
Gold multi-trip plan from ICICI Lombard is suitable for frequent travellers. The plan offers lucrative benefits to those who often travel overseas.
Individuals from the age of 3 months to 85 years, without any medical check-up for policy issuance are eligible to be a part of this plan.
Worldwide cashless medical treatments
Medical visits, automotive assistance, and lifestyle services for dependents in India are included.
The policyholder is offered quality healthcare services through UHI.
The original policy with a term of 180 days can be extended up to 180 days.
Individuals from 71 years to 85 years of age are eligible to participate in this plan.
Follow the steps mentioned below to buy ICICI Lombard Travel Insurance plan:
You can visit the nearest branch of ICICI Lombard and purchase a travel insurance policy.
The following documents are required to buy ICICI Lombard Travel Insurance
ICICI Lombard Travel Insurance policies feature a list of standard exclusions which are applicable to most of the Travel insurance plans offered by the company. While some exclusions are applicable to all policies, there are also some exclusions which may be explicitly applicable to a particular type of travel plans. Following are some of the common exclusions on ICICI Lombard Travel Insurance plans:
Filing a claim for your ICICI Lombard Travel Insurance is a simple and hassle-free process. Policyholders have an option to register claims via phone, fax, and email.
Below listed are some general documents required to file a travel insurance claim:
In case of an emergency during your trip, you can call or email the insurer to understand the claim process. The representatives of the company will give you details about the claim process and will also give you a claim form and list of other supporting documents required to process the claim.
On submission of the claim form, the form will be verified by a surveyor appointed by the company. After the assessment, the company will decide whether to accept or reject the claim. On acceptance, the claim proceeds will be released approximately within 15 business days. When you are travelling abroad, or within the country, the unexpected medical condition is the last thing you want to spend on. By purchasing travel insurance, you are essentially covering yourself against travel risks such as stolen or lost luggage, cancellation cover, unexpected medical costs abroad, etc. ICICI Lombard Travel Insurance policies offer some unique facilities such as worldwide cashless hospitalisation, unexpected medical and non-medical facilities.
Comprehensive travel insurance policy helps you avail insurance coverage at any place in the world. You have an option to choose from various plans associated with travel to various countries and continents. You also have an option to choose long-term as well as short term travel insurance plans offered by the company.