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ICICI Lombard Travel Insurance

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.

Features of ICICI Lombard Travel Insurance

  • No medical tests are required to buy ICICI Lombard Travel Insurance plans. Travel insurance is offered to individuals up to the age of 85 years without a need for any medical test.
  • The extensive travel insurance plans provided by ICICI Lombard makes the trips of the policyholders absolutely hassle-free. The sum assured under travel insurance policies starts from USD 25,000 and can go up to USD 5,00,000.
  • The ICICI Lombard Travel Insurance policies offer the convenience of cashless hospitalisation worldwide.
  • The company offers affordable insurance policies for international travel affairs. The USD 25,000 travel insurance policy protects one against trip delays, trip extensions and accidents.
  • The company offers compensation for complete and permanent loss of baggage which was checked-in. It also includes handbags.
  • The travel insurance plans of ICICI Lombard are pre-approved and can be customised to meet the requirements of Schengen Visa.
  • Frequent travellers and patron policyholders of the company can enjoy benefits such as Gold multi-trip policyholders can have i.e. 30, 45 or 60 days per trip yearly.

Benefits of ICICI Lombard Travel Insurance

Below is the list of benefits offered by ICICI Lombard Travel Insurance policies:

  • Compensation for the delay: Certain foreign trips such as an extensive Europe trip, may require people to hop connecting flights in short intervals. A delay or cancellation of a single flight can threaten your entire schedule. A travel insurance policy is a great way to mitigate such risks. It covers losses occurring to you due to unexpected delays because of bad weather, technical issues, or other factors. Besides, ICICI Lombard Travel Insurance also ensures that you receive a certain amount per day as compensation for the delay caused by the airline.
  • Arrangement in case of trip cancellation: A medical crisis may result in termination of your trip midway. ICICI Lombard Travel Insurance covers expenses for such unexpected return journeys.
  • Luggage and documentation: ICICI Lombard Travel Insurance secures your baggage and essential documents like passport. Your baggage, including handbag, is covered. The company compensates you for the loss of checked-in baggage as well. Additionally, the policy also covers theft of luggage up to a pre-decided amount.
  • Hotel accommodation and hospitalisation: A medical emergency may force you to extend your trip and stay in a hotel, or worse get admitted in a hospital. ICICI Lombard Travel Insurance reimburses you for such an extended stay. The company has a tie-up with a wide network of hospitals around the globe and can support you with cashless hospitalisation too.
  • Convenience: Travel insurance plans offered by ICICI Lombard are highly traveller-centric and are designed to address the comfort of senior citizens, students and frequent travellers. Customers have multiple options to choose from and derive maximum benefits of the policy.
  • Safety: ICICI Lombard Travel Insurance also provide safety to your home while you are travelling. Specific plans offer coverage for burglary and fire. Your family members back home may opt for medical assistance and other value-added services.
  • Round the clock assistance: The Company offers excellent customer service and round the clock assistance to travellers. They can connect with the insurer via dedicated phone lines or get in touch via email to clear their doubts. The claim settlement process is also quick and transparent.

Types of ICICI Lombard Travel Insurance

The categories of different plans offered by ICICI Lombard General Insurance are as follows:

Single round trip in international travel insurance

Gold multi-trip travel insurance

Senior citizen travel insurance

Asia plan

Single Round Trip

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.

Features and Benefits

  • 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.

Eligibility

  • The policy is applicable to all the countries except Schengen.
  • Travelers from the age of 3 months to 85 years, without any medical check-up for policy issuance.

Exclusions

  • Venereal diseases, HIV/AIDS, STDs.
  • Sports activities
  • Pre-existing medical conditions
  • Drug or alcohol addiction
  • Mental illness, anxiety and depression
  • Cosmetic surgeries
  • Ayurvedic, Naturopathy, or homoeopathy treatments
  • Recreational activities such as spa or health resorts

Gold Multi Trip

Gold multi-trip plan from ICICI Lombard is suitable for frequent travellers. The plan offers lucrative benefits to those who often travel overseas.

Features and Benefits

  • Up to USD 1000 is paid as an emergency cash advance.
  • Hijack distress allowance is paid up to USD 125 per day, for a maximum of 7 days.
  • Expenses occurred due to the delay of checked-in baggage are compensated up to USD 100.
  • In a year, the policyholder can secure as many as 30, 45, or 60 days trip.
  • Cashless hospitalisation facility is given anywhere in the world, except Schengen.
  • Apart from the benefits mentioned above, accommodation extension, trip interruption and cancellation expenses, compassionate visits by closed ones of the policyholder, political risk and catastrophe evacuation costs are covered under the plan.

Eligibility

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.

Exclusions

  • Venereal diseases, HIV/AIDS, STDs.
  • Sports activities
  • Pre-existing medical conditions
  • Drug or alcohol addiction
  • Mental illness, anxiety and depression
  • Cosmetic surgeries
  • Ayurvedic, Naturopathy, or homoeopathy treatments
  • Recreational activities such as spa or health resorts

Senior Citizen Travel Insurance

  • Senior citizen travel insurance plan is designed to safeguard senior citizens from travel hassles and hazards while travelling overseas.

Features and Benefits

  • 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.

Eligibility

Individuals from 71 years to 85 years of age are eligible to participate in this plan.

Asia Plan

  • Asia plan is specially designed for travellers moving only within the continent in the neighbour countries.

Features and Benefits

  • Medical cover up to USD 25000, which includes medical evacuation costs as well.
  • Repatriation of Remains cover up to USD 7500.
  • Coverage for dental treatment is USD 300.
  • Coverage for a total loss of checked-in baggage is given up to USD 100.
  • Coverage of delay in receiving checked-in baggage is USD 100.
  • Loss of passport coverage offered is USD 300.
  • Personal liability coverage is provided under the plan for up to USD 7500.
  • The plan offers personal accident coverage worth USD 15,000
  • Political disturbances and disaster evacuation, compassionate visits are covered up to USD 7,500. The return journey of a minor is also is covered where the cost does not exceed USD 7500.

Exclusions

  • Pre-existing medical conditions, mental illness, depression, etc. are excluded from the plan.

How to Apply for ICICI Lombard Travel Insurance Plan?

Follow the steps mentioned below to buy ICICI Lombard Travel Insurance plan:

  • Visit the official website of ICICI Lombard General Insurance. https://www.icicilombard.com/. Go to the travel insurance tab.
  • Fill out easy to use a quote from "Get instant quotes".
  • Select the plan that best meets your needs from the displayed available plans.
  • Fill up the required details in the online application form.
  • After filling the form, proceed to the payment section and complete the purchase using the secure payment gateway.
  • The travel insurance policy will be issued, emailed and couriered to you to the address provided in the application form.

You can visit the nearest branch of ICICI Lombard and purchase a travel insurance policy.

How Can I Renew ICICI Lombard Travel Insurance Policy?

  • Go to renewals tab. Click on “Travel insurance” option from the dropdown menu.
  • Select the insurance type and type your policy number, which you would like to renew.
  • Give the details as required in the renewal form and proceed to make the payment.
  • You will receive a softcopy of the policy instantly. You can print it and use it as a hard copy or wait for the company to send you one within a week.

What Types of Document Required to Buy ICICI Lombard Travel Insurance?

The following documents are required to buy ICICI Lombard Travel Insurance

  • Identity proof
  • Address proof
  • Age proof
  • Passport
  • Trip start date and end date
  • Details of nominee

What are the Exclusions of ICICI Lombard Travel Insurance Policy?

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:

  • Any pre-medical condition, whether declared or not at the time of purchasing the policy, will not be covered.
  • Any claim arising due to the addiction of alcohol, drugs, etc. will not be accepted.
  • Any claim arising due to mental illness, anxiety or depression will not be covered.
  • Any vulnerable disease, sexually transmitted diseases, HIV, AIDS, are not covered.
  • Claims arising due to nuclear weaponry or radiation are excluded.
  • Any expenses arising due to loss of ticket, money, valuables, or securities are excluded.
  • Claim arising from Ayurvedic, Naturopathy, or Homoeopathy treatments are not included.
  • Any claim arising from cosmetic/plastic surgery or any treatments to remove physical flaws.
  • Claims which arise from any expenses occurred towards health or spa resort.

What is the Claim Process of ICICI Lombard Travel Insurance Policy?

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:

  • ICICI Travel insurance claim form
  • Policy and policy number
  • Travel dates
  • Copy of tickets
  • Amount of loss
  • Identity card
  • Proof of age

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.

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