ICICI Travel Insurance
A comprehensive Travel Insurance policy that covers unexpected medical and non-medical expenses when you are
travelling abroad. Avail of benefits like Baggage loss/delay and unique facilities such as Cashless hospitalisation, worldwide.
Experience quality health care while in USA with UHC (UnitedHealthcare).
What is travel insurance?
Travel insurance is a cover for the risks you might face in your trip, overseas or domestic. Typically, it covers death, personal
accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third party liability.
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Why do you need travel insurance?
One usually travels for two reasons- pleasure or business. You do not want anything to ruin your hard earned holiday or your
crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is.
Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Travel
Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of
an emergency.
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What does a standard travel policy cover?
A standard travel policy covers death, personal accident, medical expenses, repatriation, loss/ delay of checked baggage,
passport loss and third party liability.
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What is the cost of travel insurance? How is the premium determined?
The cost of travel insurance depends on a number of factors- your age, the duration of your trip, the country you plan to visit
and the benefits included in the plan.
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How is the premium charged?
The premium is generally charged on a slab basis. There are pre-defined slabs from which you need to select which one you
fall into. However, ICICI Lombard charges on the per day basis, thereby enabling you to get a cover for exactly the number of
days of your trip.
What are the different types of travel insurance?
There are basically three kinds of travel insurance-
Individual Overseas Travel Insurance
Student’s Travel Insurance
Domestic Travel Insurance
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What is Individual Travel Insurance?
Individual Overseas Travel covers your trip abroad. In most of the countries, it is mandatory for their visitors to have travel
insurance.
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What is covered under Individual Travel Insurance?
Generally, death, personal accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third
party liability are covered under an Individual Travel Policy.
ICICI Lombard offers you an array of products to suit various needs. Know more about our Platinum, Gold, Silver and Bronze
plans.
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What is Student’s Travel Insurance?
Student’s Insurance is designed specifically for students going abroad for higher education. An opportunity to study abroad
opens up avenues to a brighter career and future. But while pursuing these dreams emergencies can arise anytime. Student’s
insurance covers all these risks and provides the timely assistance and support against any unexpected expenses.
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What does Student Travel Insurance cover?
Student Travel Insurance cover you against medical and dental expenses, personal accident, repatriation, personal liability,
delay/ loss of baggage, passport loss, study interruption, bail bond and sponsor protection.
ICICI Lombard has various plans that you can choose from according to your needs. Know more about our Plus, Gold, Silver
and Bronze plans.
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What is Domestic Travel Insurance?
Domestic Travel Insurance takes care of all your insurance needs while you are traveling within the country.
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What does Domestic Travel Policy cover?
Domestic Travel Policy covers personal accident, accidental hospitalization and ambulance charges, baggage loss and
burglary.
The Fine Print
Read the definitions properly. Know what the various words like family, accident burglary etc mean in the insurance context.
Understand what you are covered for. Apart from the scope of coverage also go through the conditions specified for the
coverage. In fact, ‘Terms and Conditions’ is one of the most important sections of the policy wording.
Give equal importance to Exclusions as to Coverage.
Usually, certain Special Conditions are allowed in the travel policies. Find out if your policy offers any and what are they.
All travel insurance policies carry a ‘Deductible’, usually of $100. Deductible is the amount you need to pay from your own
pocket. The insurer would pay any amount more than that.
Know about the documents you need to submit in case of claims. There are different documents required for different kinds of
claims. E.g. documents required for a baggage loss would differ from documents required for burglary.
Read the fine print carefully. Understand what you are covered for and what not.
Also be aware of the ‘conditions’ specified for filing of claims.
Always carry your policy wording along with the policy itself. It is as important. As far as possible, have them online so that you
can access them anytime, anywhere!
Tips for buying a travel insurance policy
Take the policy only for the number of days of your trip. Travel insurance is usually charged on a slab basis. But ICICI Lombard
offers you the pay per day facility. So you pay exactly for the number of days you have been away and not more.
Don't just compare the prices of travel insurance products, compare also the benefits of the cover, the exclusions on the cover
and other product features.
At the time of taking a policy, remember to take the list of region specific toll free contact numbers.
While buying a travel policy, look beyond premiums. Give importance to the claims procedure and the cashless hospital network
available. Do get a list of the network hospitals before deciding on your policy.
Also check out for other covers (like terrorism, hijack distress allowance etc) available apart from the loss/ damage of baggage/
passport cover, personal liability cover and medical and personal accident cover.
Always read the policy wordings carefully. Be clear on what you are covered for and what not. Clear out any confusion you
might have before buying your policy.
Buy policy online. It enables you to access your policy anytime, anywhere and all the details are available in one click.
Buying duplicate coverage does not double your benefit. It wastes money and creates confusion that could actually delay
payments.
Understand the different policies for different travelers. ICICI Lombard offers different plans – Individual Overseas Insurance,
Student Insurance
Claim Procedure
The claim documents required would depend on the nature of claim lodged – health, burglary, baggage loss/delay, passport loss
etc. However the basic standard procedure is as follows-
Call the insurer’s help line number.
Incase of health cashless claim, go to the nearest cashless hospital.
The insurers representative would settle the claim directly with the hospital.
Incase of reimburse health claim. You will have to pay the hospital bill and get it reimbursed by your insurer.
In case of non-medical claims, you will have to furnish the requisite proof to get compensation.
Fill in the claim form and submit it with other documents required.
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Why do I need Travel Insurance?
One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to ruin your hard earned holiday or your crucial
business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as
baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils.
It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency.
Tata AIG - the best choice for travel insurance.
• First to launch on-line travel insurance.
• 100% reliability and unbeatable up-time record.
• In-house assistance service AIG -Assist in North & South America; ISOS for rest of the world.
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reliance
Reliance Travel Care Insurance Policy - Schengen
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Reliance Travel Care Insurance Policy - Asia
Reliance Pravasi Bhartiya Bima Yojana Insurance Policy
Reliance Travel Care Insurance Policy for Students
Reliance Pravasi Bhartiya Bima Yojana Insurance Policy
Features
Policy Coverage
Features
Exclusions
FAQs
With the advent of globalization and liberalization, every day, thousands of
Indians are crossing new frontiers and taking up new challenges in different
parts of the world. But at the same time they are exposed to several perils like
illness, accidents and various other misfortunes. In order to help cover such
contingencies, we present the Reliance Pravasi Bhartiya Bima Yojana
Insurance policy. This policy is specially designed for emigrant Indians who are
abroad on a valid visa for purposes of employment.
Key Benefits
Unique policy offering exhaustive coverage against different risks
that emigrant Indians are exposed to
Reimburses expenses towards hospitalization of the Insured in
his/her country of employment and in India
Medical expenses extension available for family members of the
Insured residing in India
Covers maternity expenses of women emigrants
Reimburses expenses incurred for traveling back to India on grounds
of the Insured being permanent disabled or adjudged to be medically
unfit to continue employment
Provides for reimbursement of legal expenses in a litigation relating
to the Insured's employment
Reimbursement of expenses related to covered contingencies can
be claimed from country of employment or while in India
Optional additional Personal Accident cover
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Steps
Policy Coverage
The Reliance Pravasi Bharatiya Bima Yojana Insurance Policy provides the
following covers:
Personal Accident
Compensation for accidental bodily injury resulting in death or
permanent total disablement of the Insured Person, while he/she is
abroad. It can be extended to cover the Insured's family members,
residing in India
Provides for reimbursement of expenses incurred for repatriation of
the mortal remains in the event of accidental death of the Insured
Person whilst abroad
It provides for reimbursement of transportation expenses to India on
account of
○ Permanent total disability of the Insured Person following
an accident
○ The Insured Person falling sick or being declared medically
unfit to continue working
○ It provides for reimbursement of repatriation /
transportation expenses to India in the event of termination
of contract of employment of Insured Person
Hospitalisation
It provides reimbursement of Hospitalization expenses incurred by
the Insured Person in the country of his/her employment or in India,
due to any disease contracted or illness suffered or bodily injury
sustained due to accident by the Insured Person, whilst abroad.
The Policy also covers maternity expenses for a female Insured
Person incurred in a Hospital/Nursing home in her country of
employment or in India.
Reimbursement of legal expenses
of legal expenses incurred by the Insured Person in any litigation relating to
his/her employment.
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To Buy Policy Contact Call Center
Steps
Exclusions
The policy does not cover any expenses or compensation related to
1. Hospitalisation, death/disablement of the Insured Person arising out of intentional self-injury, suicide or
attempted suicide
2. death/disablement due to the Insured Person being under the influence of intoxicating liquor or drugs or
committing any breach of law
3. Hospitalization, death/disablement due to war and nuclear perils
4. Pre-existing diseases / illness/ injury
5. Cost of spectacles and contact lenses, hearing aids etc
6. External Medical Equipment of any kind used at home as post hospitalization care
The Policy also shall not pay:
1. if the repatriation of the Insured Person is on account of violation of any law, fraud, or any breach of employment
conditions
2. such repatriation becomes necessary due to any amendment or change in the existing laws of the country of
employment, or proclamation by Government Order that all workers of foreign origin are being deported
3. the employment is obtained through fake or forged documents, work permit or improper entry visa
