International Travel Insurance
Travel Hassle-free
Presentation Path

What is Travel Insurance ?

Need for Travel Insurance

Why IL Travel Insurance

International Travel Insurance

Claims Overview
What is Travel Insurance ?

International Travel insurance covers travellers for unexpected medical
expenses when they are overseas

While the core offer is coverage of medical expenses, there are several
non medical covers

Checked Baggage loss or delay
 Value Added Services for dependents in India

Financial emergency money (given to the insured when abroad
when there is loss of personal belongings)
 Third party liability, Personal Accident etc
Eligibility & Policy Duration

Available for all ages between 3 months – 70 years and senior citizens
between 71 to 85 years

Cover trips from as short as 1 day to max of 360 days

Coverage for 180 days which can be extended for a further
period of 180 days, provided there is no claim
Comprehensive Plans
PLATINUM PLAN
Senior Citizen Plan
- 25 comprehensive coverages
-Provides Value Added Services
- Without Sub-limit A
-Specially designed for customers in age band
71-85 yrs
ASIA PLAN
SILVER PLAN
-Specially designed for customers travelling
nearby countries
- Medical cover for basic needs
MULTI-TRIP PLAN
GOLD PLAN
-For frequent Travellers
- Valid for 1 year
- 30, 45 & 60 days as max. duration
- Economical plan with host of benefits
Note
- All these can be take either for a worldwide coverage or excluding USA &
Canada (except Multi-trip and Asia plan)
International Travel Insurance Plans
Coverage Amount
Platinu
m
Gold
Silve
r
Asia
USD 50,000 , USD
1,00,000 , USD 2,50,000
USD 5,00,000
P
P
USD
50,000
USD
25000
USD 7,500
P
P
P
P
Up to US$ 50 per day for
maximum of 5 days
P
O
P
O
Dental Treatment
USD 300
P
P
O
P
Total Loss of Checked in Baggage
USD 500
P
P
O
P
Delay of Checked in Baggage
USD 100
P
P
O
P
Loss of Passport
USD 300
P
P
O
P
Personal Liability
USD 100,000
P
P
O
P
Personal Accident
USD 15000
P
P
O
P
Benefits
Medical Cover (includes medical
evacuation cost)*
Repatriation of Remains (Including in
medical Sum Insured)
Daily Allowance In Case of
Hospitalization (franchise of 2 days)
International Travel Insurance Plans (Contd.)
Benefits
Coverage Amount
Platinum
Gold
Silver
Hijack Distress Allowance
US$ 125 per day for max. 7 days
P
P
O
Emergency Cash Advance
USD 1000
P
P
O
P
Trip Cancellation & Interruption
USD 500
P
P
O
P
Missed Flight Connection
USD 500
P
P
O
P
Trip Delay
USD 500
P
P
O
P
Political Risk and Catastrophe
Evacuation
USD 7500
P
P
O
P
Accidental Death (Common
Carrier)
USD 5000
P
P
O
P
Fire Cover for Building
INR 2000000
P
O
O
O
Fire Cover for Contents
INR 1000000
P
O
O
O
Burglary Cover for Home
Contents
INR 1000000
P
O
O
O
Bounced Booking – Hotel / Airline
USD 2000
P
O
O
O
Compassionate Visit
US$ 7,500
P
O
O
O
Emergency Hotel Extension
USD 5000
P
O
O
O
Loss of Baggage and Personal
Effects
USD 2000
P
O
O
O
Travel cost at actual not exceeding
US$ 7,500
P
O
O
O
O
O
O
Return of Minor Children)
Value Added Services
P
Asia
P
Multi-Trip Plan

Worldwide Plan with ‘Gold’ Benefits
MAX TRIP DURATION
30
45
60
AGE YRS.
US$ 100,000
US$ 250,000
US$ 500,000
3months-50
5,368
6,615
9,176
51-60
6,919
8,608
12,407
61-70
9,959
12,412
18,629
3months-50
6,422
7,908
11,257
51-60
8,239
10,353
14,455
61-70
12,111
15,073
22,065
3months-50
7,183
8,846
12,712
51-60
9,205
11,617
16,128
61-70
14,137
17,589
25,397
All Prices Include Service Tax @12.36%
Senior Citizen Plan
Benefits
Sum Insured
Deductibles in US $
Medical Cover (includes medical evacuation
cost)*
USD 50,000
US$ 100 (Total amount applicable
for Medical Expenses along with
the applicable extensions under
Medical Expenses)
Repatriation of Remains (Including in
medical Sum Insured)
USD 7,500
NA
Total Loss of Checked in Baggage
USD 500
NA
Delay of Checked in Baggage
USD 100
6 hours
Loss of Passport
USD 300
USD 50
Personal Liability
USD 100,000
5% of Actual
Personal Accident
USD 2500
NA
Hijack Distress Allowance
US$ 125 per day for
max. 7 days
12 hours
Emergency Cash Advance
USD 1000
NA
Trip Cancellation & Interruption
USD 500
NA
Missed Flight Connection
USD 500
3 hours
Trip Delay
USD 500
6 hours
Political Risk and Catastrophe Evacuation
USD 7500
NA
Medical Cover
Medical Covers
Coverages
Medical Cover
Pre-Existing Disease
Covered under emergency
Sum Insured
USD 25000 to
USD 500000
100 % of
medical cover
Dental Treatment
USD 300
Daily Allowance In Case of
Hospitalization
USD 50 per day
Personal Accident
USD 15000
Deductible
s
USD 100
USD 100
-
Coverages In Detail
Benefit 1- Medical Cover ( Includes Medical Evacuation)
We pay the customer for reasonable medical expenses incurred for treatments during the trip
Benefit 2: Dental Treatment
Medical Expenses are reimbursed incurred by the customer in connection with treatment for any Injury
or Illness to his/her natural tooth or teeth during the Trip
Benefit 3: Daily Allowance In Case Of Hospitalisation
The customer will be paid a daily compensation in case hospitalization is for a period of more than 2
consecutive days.
Benefit 4 : Personal Accident
We compensate in case of death or total or partial permanent disability arising any time during the
Period of Insurance.
Coverage In Detail
Sub-Limit A
For policies with medical expenses sum insured over US$ 100,000,the limit of liability
of the company will be restricted to US$ 100,000 per sickness, disease or accident
sustained or contracted within the period of insurance whilst on the trip abroad, that
may lead to one or more medical expenses and/or hospitalization expenses
Sub-Limit B
For person aged 51 years and above, the maximum eligible medical expense 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 follows:
 Hospital room, board and hospital miscellaneous expenses - US$ 1,800 per day
up to 30 days.
 ICU - Max. US$ 3,250 per day up to seven days
 Surgical treatment - Max. up to US$ 15,000
 Anesthetist services - Up to 25% of surgical treatment
 Physician’s visit - Max. US$ 100 per day up to 10 visits
 Diagnostic and pre-admission testing - Max. US$ 1000
 Ambulance services - Max. up to US$ 500
 Misc expenses – Max of US $ 2000
(For Platinum plan only Sub Limit B is applicable, rest all plans both the limits are
applicable )
Trip Related Benefits
Trip Related Covers
Coverages
Sum Insured
Deductibles
USD 500
-
USD 100
6 hours
Loss of Passport
USD 300
USD 50
Trip Cancellation &
Interruption
USD 500
-
Missed Flight Connection
USD 500
3 hours
Loss of Baggage and
Personal Effects
USD 2000
USD 100
USD 500
6 hours
Total Loss of Checked in
Baggage
Delay of Checked in
Baggage
Trip Delay
Coverages In Detail
Benefit 1 : Total Loss Of Checked in Baggage
This covers the compensation for permanent loss of checked-in baggage
based on the market value of the contents as on the expected arrival date
Benefit 2 : Delay of Checked in Baggage
We pay a fixed sum in case the customer encounters a delay in receipt of
his
/her checked in baggage beyond the specified period
Benefit 3 : Loss Of Passport
It covers expenses incurred in obtaining duplicate passport
Benefit 4 : Trip Cancellation and Interruption
Any financial loss incurred by the insured out of the cancellation of the
trip
arising out of earthquake,storm,flood terrorism and other mentioned
perils ,
death of immediate family member,etc will be indemnified
Coverages In Detail
Benefit 5 : Missed (Flight) Connections
In case of failure of the insured to access the connecting flight, arising out
of
and consequent upon delayed arrival of the earlier flight, the company will
pay
a fixed amount.
Benefit 6 : Loss of Baggage and Personal Effects
Compensation will be given for loss of checked in baggage occurring
anytime
after the delivery of the baggage taken from common carrier (including
while
he is travelling in the rented vehicle)
Benefit 7 : Trip Delay
If the departure of the insured gets delayed at the place of origin or
intermediary port arising out of earthquake, floods & terrorism , specified
sum will be paid
Emergency Covers
Emergency Covers
Coverages
Sum Insured
Deductibles
Accidental Death (
Common Carrier)
USD 5000
-
Personal Liability
USD 100,000
6 hours
Emergency Cash Advance
USD 1000
USD 50
Bounced Booking – Hotel /
Airline
USD 2000
-
Emergency Hotel Extension
USD 5000
3 hours
Return of Minor Child(ren)
USD 7500
USD 100
Compassionate Visit
USD 7500
6 hours
Hijack Distress Allowance
USD 125 per
day for 5 days
-
Repatriation of Remains
USD 7500
-
Political Risk &
Catastrophe Evacuation
USD 7500
USD 500
Coverages In Detail
Benefit 1 : Accidental Death
We pay the nominee or legal heir of the customer an amount of $5000 in case
the customer meets with death arising out of and consequent upon an Injury
encountered during the Period of Insurance.
Benefit 2 : Personal Liability
This cover indemnifies the insured against any bodily injury or property
damage to third parties on account of an accident occurring whilst on a trip
Benefit 3 : Emergency Cash Advance
We will provide an assistance service in case of emergency cash requirement,
the assistance service provider co-ordinates with the insured person’s relative
back in country to provide emergency cash assistance
Benefit 4 : Bounced Booking Of Airlines and Hotel
Customer will be reimbursed the actual additional expenses incurred for
alternative flight arrangements or for alternative accommodation in case of
bouncing of confirmed accommodation booking or at sole instance of the
common carrier
Coverages In Detail
Benefit 5 – Emergency Hotel Extension
If the departure of the Insured is delayed at the place of origin or at any intermediate port
due to earthquake, flood & terrorism the additional expenses for lodging & boarding is paid.
Benefit 6 – Return of Minor Child / Children
In an unfortunate event of the death of the insured while abroad, the cost of the economy
class air ticket will be reimbursed for sending the unattended minor children.
Benefit 7 - Compassionate Visit
We will render special assistance services to the insured during the Period of
hospitalization by any person of the family or relatives
Benefit 8: Hijack Distress Compensation
Compensation at the rate per day will be payable incase the common carrier in which the
insured is travelling as a passenger is held as captive by the hijackers
Benefit 9 : Political Risk and Catastrophe Evacuation Expenses
If any kind of catastrophe (fire, flood, earthquake, storm, lightning, explosion, hurricane or
epidemic due to contagious disease) occurs in the country which requires immediate
evacuation, we will incur the cost of economy class air ticket to country of residence of
nearest place of safety
Value Added Services
With ICICI Lombard Travel Insurance feel secure because your loved ones back home
enjoy a bundle of concierge services
1) Medical Concierge Services for dependents in India

Telephone Medical Information

Medical Service Provider Referral

Appointments with Local Doctors for Treatment

Home Nursing Care Assistance

Monitoring assistance

Evacuation / Repatriation Services
2) Automotive Assistance Services for dependents in India

Minor on the spot repair

Breakdown Services & Towing

Flat tyre service

Battery Service / Jumpstart
Value Added Services Contd.
3) Lifestyle Services for dependents in India










Gift/Flowers Delivery Assistance
Dining Referral and Reservation Assistance
Business Services
Special Events and Performance Assistance
Home Movers Assistance
Plumbing Assistance
Electrical Assistance
Pest Control Assistance
Home Cleaning Assistance
Electrical Gadget Repair Assistance
* Applicable to selective plans
For the above mentioned services, the liability of the Company would always remain limited to providing with assistance in
terms of arranging the above mentioned services. All charges towards such services would be borne by the Insured
Person.
Claims Process – ICICI Lombard
Tie-up with Europ Assistance (ASP)
 Reimbursement & Cashless settlement for medical emergencies abroad
 Financial emergency is given abroad by the ASP
Tie-up with UHG
 Allied with United Health Group (UHG), one of the largest health care companies
in the U.S.
 Provides access to UHG network of hospitals & physicians,
 Constitutes access to about 86% of acute care hospitals, ~4,800 medical
facilities, OPD centers and ~60,000 pharmacies throughout the U.S.
 All our customers traveling to the U.S now receive a co-branded card as a part of
the policy
Claim Process
Customer has to inform the ASP in the event of any claim, whether assistance is needed
or not
 Cashless settlement will be offered for medical cases only after examining the
details of the case
 Financial emergency is given abroad by the ASP, once approved by them
 All other claims reimbursed only in India, in Indian Rupees
Claims reimbursed within 15 days of receipt of documents
Tie-up with UHG




Allied with United Health Group (UHG), one of the largest health care
companies in the U.S.A.
Provides access to UHG network of hospitals & physicians,
 constitutes access to about 86% of acute care hospitals, 4,800 medical
facilities, OPD centers and 60,000 pharmacies throughout the U.S.A.
All our customers traveling to the U.S.A. now receive a co-branded card as
a part of the policy
For claim registration by the customer from
 USA :- 1 877 352 7706 (toll free)
 Canada: +1 877 352 7693 (toll free)
 Rest of the world: + 91 22 6787 2010(Call Back Facility)
 In India :- 1800 209 8889(Toll Free and Accessible in India only)
 Fax No - +91 22 6734 7888
 Email – europ-assistance@icicilombard.in
Tie-up with UHG (contd…)




The UHC Card is a part of the policy print in all travel policies. No separate
UHC card is sent to the customer
The customer has to call up the TPA no. while in the US for all forms of
assistance and claims. The UHC card is to validate the customer at the
UHC network hospital
UHC card is given with all Worldwide policies except immigrant policies.
Coverage limited to US only
In the UCV you will be able to view the policy along with the card print
UHG Card
FAQs
1. Where can I find out more about the policy coverages?
Please refer to the policy wordings for complete coverage details.
2. Can more than ONE policy be issued for the same trip?
Each individual is to be insured by not more than one policy during their journey.
3. Are 'business travelers' eligible to purchase a Travel Insurance policy?
Yes. Our travel insurance is designed for both leisure and business travelers. Business
travelers who visit abroad frequently can be pitched with Multi trip plans.
4. When does cover begin and end?
You are covered from the date of your trip start date. These will be confirmed on your policy
schedule once the policy is purchased.
5. Is there any exclusion to the policy?
Yes. Some exclusions and conditions are specific to individual sections and General
exclusions and conditions apply to the policy overall. Please read the policy
wording carefully to ensure you have the cover you need.
6. What is the maximum trip length?
International travel cover can be purchased for trips up to 180 days, extended for another
360 days depending on the claim status.
FAQs
7. If the customer returns home earlier than planned, can he/she get a partial refund on
travel
insurance?
Yes, we refund part of your premium if no claim has been made on any part of your policy
8. From where can customer access the list of hospitals?
Rest of the World: The customers need to be directed to our TPA – EAI for the details
regarding network
hospitals. EAI phone number: 022-67872010
For network hospital list in the US:
Go to the link: https://www.providerlookuponline.com/UHC/po7/Results.aspx
Under plan select : United Healthcare Options PPO
9. How should I raise the request for policy cancellation, extension, endorsement for travel
insurance?
Please raise a request in Samadhan in Travel Queries << Travel Process << Travel
Cancellation/Travel Endorsement/Travel Extension/Travel Queries/Others
10. What is the duration of the policy we can issue on an immigrant Visa?
Maximum duration is 60 days
11. Is it mandatory for the customer to be in India while international travel policy
issuance?
Yes
FAQ’s
12.
Can we sell travel insurance policy to customers flying to any country?
We do not issue travel insurance policy to customers visiting Pakistan, Afghanistan & Cuba.
Thank you