Travel Insurance FAQs

ICICI Bank Travel Insurance (underwritten by ICICI Lombard General Insurance) is an international travel insurance solution that protects you against unexpected events like medical emergencies, trip delay or cancellation, loss of passport, baggage loss, and personal accidents while travelling abroad. It is designed so that one bad incident doesn’t turn your dream trip into a financial burden.

Even if you’re healthy, situations like flight delays, missed connections, loss of baggage or passport, or unexpected illness abroad can be very expensive and logistically challenging. Travel insurance covers hospitalisation, emergency medical evacuation, trip interruptions, and even daily allowances during extended delays, so you’re not stranded or forced to pay large sums in foreign currency.

The ICICI Bank / ICICI Lombard “Voyager / International Travel Insurance” highlighted on the ICICI Bank site is primarily meant for international trips. Separate domestic travel covers may be available, but the flagship product discussed here focuses on overseas journeys.

The travel insurance you buy via ICICI Bank is underwritten by ICICI Lombard General Insurance Company Limited, one of India’s leading general insurers. ICICI Bank acts as a corporate agent, while ICICI Lombard is the insurer responsible for underwriting and settling claims.

Generally, no medical test is required up to 85 years of age for standard ICICI Lombard international travel plans, provided you meet underwriting criteria. Senior citizen or high-risk categories may have specific conditions; the system or advisor will prompt you if any health declaration is required.

Most journeys are issued as e-policies; your policy certificate and wording are sent to your registered email. You can print them if needed for visa or immigration purposes. In many cases, a downloaded PDF or soft copy on your phone is sufficient as proof of cover.

Indian residents travelling abroad for leisure, business, education, or visiting family can buy these plans. Coverage is generally available for travellers from 3 months to 85 years of age, with specific variants for seniors and frequent travellers.

For standard international travel plans, cover can be purchased for trips up to 180 days at a time, and in many cases extended by another 180 days (subject to underwriting approval). Some student or long-stay plans may allow longer durations as per specific product terms.

Ideally, you should buy travel insurance before you start your trip. Many insurers (including ICICI Lombard) restrict or do not allow fresh policies to be issued once you have already departed from India. If you are already abroad, you should check with the insurer’s helpline for any special provisions or extensions.

Yes. The Single Round Trip Plan can cover self, spouse, dependent children, parents, siblings and in-laws under a single policy, subject to age and relationship eligibility. This makes it easy to manage one policy for everyone travelling together.

Generally, each individual should be insured under only one travel policy for a given journey. Holding multiple policies for the same trip can complicate claims and may not be allowed under policy conditions.

Typically you need: your passport details, travel dates, destination, age, contact details, and in some cases visa type. For online purchase, you simply fill these details in the application form and pay the premium; the policy document is generated instantly and emailed to you.

Yes. Travel insurance premiums are subject to applicable GST and other government levies as per prevailing laws. The final amount payable on the payment page includes these taxes.

The amount will be refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

No. Travel insurance is a pure risk cover, not an investment product. You pay a one-time premium for protection during a specific trip or year; there is no interest, bonus or maturity value.

Your premium depends on several factors — destination country, trip duration, age, sum insured, type of plan (single/multi-trip, student, senior), and coverage options you choose. Higher-risk destinations or longer trips usually attract higher premiums, while Asia-only or Schengen-only plans may be more economical.

Coverage usually starts from the time you leave India (or as specified in the policy start date/time) and continues until the earlier of: your return to India, the end date printed on the policy, or exhaustion of maximum trip duration. For multi-trip policies, each trip has a maximum covered length (e.g., 30/45/60 days).

ICICI Bank customers sometimes receive preferential offers on travel insurance as part of broader banking relationships (cards, accounts, loans). Offers change over time and are usually visible on Internet Banking or the iMobile app during purchase.

Dedicated student or senior citizen travel plans are themselves a kind of “customised package” with age-specific coverage and pricing. Additional promotional discounts may occasionally be available on the website or via partners, and should be checked at the time of buying.

From time to time, ICICI Lombard or ICICI Bank may run promotional offers or bundled pricing for family, corporate or group travel, especially when policies are purchased online. Such promotions are time-bound and displayed at the time of purchase.

Certain advanced variants (like TripSecure+ or specialised student plans) may offer optional add-on covers for items like adventure sports, higher baggage limits, gadget cover, or increased trip cancellation protection. These add-ons are visible as optional checkboxes or plan variations during purchase.

Yes. ICICI Lombard provides a global assistance network that helps you locate hospitals, arrange cashless treatment, get emergency travel support, and sometimes offers value-added services to your family in India during your trip.

Key inclusions typically are: overseas medical expenses, cashless hospitalisation, personal accident cover, emergency evacuation, repatriation, trip cancellation and interruption, trip delay, baggage loss and delay, loss of passport, personal liability, and sometimes home insurance back in India. Coverage details and limits differ by plan and sum insured.

Yes. Hospitalisation expenses for illness and injury during your trip are a core feature. Cashless treatment is available at network hospitals abroad; for non-network hospitals, you can get reimbursed later, subject to policy terms.

Yes. The policy covers loss, delay or damage of checked-in baggage. For delay (beyond specified hours, often 6+), you are reimbursed for emergency purchases like clothing, toiletries and medicines. For total loss, compensation is based on the market value of the items in the baggage, within the policy limits.

Yes. If your trip is cancelled or cut short due to covered reasons (such as serious illness, injury, natural disaster, or other specified events), the policy reimburses non-refundable prepaid costs like tickets and hotel bookings, subject to limits and conditions.

Some major benefits are: affordable and destination-specific plans, worldwide cashless medical network, high sum insured options (often up to USD 5,00,000), no medical tests up to 85 years (subject to conditions), and coverage for a wide range of travel risks—including medical, trip-related and baggage-related events.

For single-trip policies, the premium is a one-time payment for that trip only. For multi-trip annual policies, renewal is not auto-debited by default; you need to renew explicitly, unless you have separately signed up for an auto-renewal mandate.

Yes. The policy certificate and premium receipt are part of your e-policy, which you can download and submit to embassies or consulates when travel insurance is mandatory (e.g., for Schengen visas).

Premiums are typically payable in Indian Rupees for policies issued in India. Even if your coverage sum insured is in USD or Euros, the premium payment at purchase is usually in INR as per the bank’s pricing.

You can pay online through ICICI Bank Internet Banking, debit/credit cards, UPI or other available payment modes. The journey is fully digital, and your policy is issued within minutes after successful payment.

If you come back earlier than planned, coverage will automatically cease once you return to India. Some policies may allow partial premium refund for the unused period if no claims have been made and if you submit proof of early return, but this is subject to policy wording.

Insurers reserve the right to cancel a policy in cases of fraud, misrepresentation or non-disclosure of material facts, but this is rare and would be governed strictly by IRDAI rules and policy terms. In normal circumstances, once your trip has started, coverage continues till the end date.

Plan upgrades mid-trip are generally not standard. You would usually need to buy the appropriate plan before travel. For extensions, the same plan is extended with additional premium. For specific complex cases (like changing zones), you should speak with ICICI Lombard customer support.

Yes. If you decide not to travel and have not made any claim, you can cancel the policy before the trip start date. Refund will be processed as per cancellation rules stated in the policy, often after deduction of small administrative charges if applicable.

No. ICICI Bank clearly states that enrolment into insurance is purely voluntary and not linked to any loan or banking facility. You are free to purchase or decline travel insurance independent of any other ICICI product.

Some premium cards or account packages may include built-in travel insurance benefits, but these are separate from the standalone travel insurance policy discussed here. You should refer to your card/account T&Cs to see if complimentary cover exists and consider whether additional comprehensive travel insurance is still advisable.

Some credit cards (including ICICI credit cards) may allow you to convert high-value transactions into EMIs. While the insurance premium itself is a one-time payment, your card issuer might offer EMI conversion as a separate feature. This is at the card’s and issuer’s discretion, not part of the policy itself.

Once your cancellation request is approved, the refund is credited back to the original payment mode (e.g., bank account/ card) within a stipulated timeline, after adjusting any applicable charges as per the policy.

No. Insurance premiums pay for the overall risk coverage, not for each individual claim component. A partial claim decision does not trigger any premium refund. Only policy cancellation under specific conditions can lead to refund.

In most cases, increasing the sum insured mid-term is treated as a policy alteration or new policy and is subject to underwriting approval. It’s best to choose the correct sum insured at the start. For major changes, the insurer may ask you to cancel and reissue a policy.

No. Travel insurance policies are non-transferable, because they are underwritten based on your specific age, health, destination, and trip details. If you are not travelling, you should cancel your policy and the new traveller should purchase their own cover.

Minor changes may be allowed via endorsement (policy correction), subject to underwriting and timing. Significant changes in destination or trip duration may require re-rating of premium or a fresh policy. It is best to contact customer care immediately if your travel plan changes.

No formal closure is required. The policy naturally expires at the end of the coverage period or on your arrival in India (as applicable). No further premium or renewal action is needed for a single-trip policy.

Standard travel insurance mainly covers personal accident, medical, baggage and trip-related risks. Some variants may include limited “financial emergency” or loss-of-wallet assistance, but full-fledged card-fraud protection is usually part of separate card insurance products. Check your specific policy wording for details.

Common exclusions include: pre-existing diseases (unless specifically covered), self-inflicted injury, travelling against medical advice, participation in high-risk adventure sports (unless add-on is taken), illegal acts, war/terror-related events (beyond specified limits), and travelling without a valid visa. Always review the exclusion section in your policy wording carefully before travel.

Your policy document includes 24x7 international helpline numbers and email IDs for ICICI Lombard’s assistance service. You should store these in your phone and carry a printout so you can call them in case of hospitalisation, evacuation needs, or urgent support.

You must first obtain written proof from relevant authorities — such as Property Irregularity Report (PIR) from the airline for baggage, or a police report for passport loss. Then you submit these documents, along with bills for emergency purchases (in case of delay) and claim form, to ICICI Lombard. The insurer will assess and reimburse up to policy limits.

Claim timelines depend on complexity and completeness of documentation. Straightforward claims with complete documents are typically processed faster, while complex medical claims may take longer for verification. ICICI Lombard communicates status via SMS/email and may request additional documents if needed.

In a medical emergency, you should call the ICICI Lombard assistance number immediately. For cashless treatment, the hospital and assistance team coordinate directly. If you pay out-of-pocket, you can later file a reimbursement claim by submitting bills, reports, passport/visa copies and claim forms within the stipulated time (usually within 30 days of return to India).

You can view detailed policy wordings, exclusions, coverage tables and FAQs on:

• ICICI Bank’s Travel Insurance page (FAQs section), and

• ICICI Lombard’s Travel Insurance / Info Centre pages.
  Always read these carefully before buying so you know exactly what is and is not covered

Most domestic health policies either do not cover international treatment or cover it only in very limited scenarios. Travel insurance is specifically designed for overseas risks, currencies and medical costs, and often includes additional non-medical benefits like trip cancellation and baggage cover, so it’s far more suitable than relying solely on domestic health insurance.

Yes. Multi-trip plans cover multiple journeys over a year, but each trip is capped — for example, 30, 45 or 60 days per trip depending on the chosen variant. If you stay longer than the allowed duration without extension, claims may not be payable beyond the covered days.

Yes. As long as the geographical zone you selected (e.g., Worldwide excluding USA/Canada, Worldwide including USA/Canada) covers those countries, one policy can protect your entire itinerary.

Yes. Many ICICI Lombard travel plans allow you to extend the policy if your trip extends beyond the original end date, provided you request the extension before expiry and you are still in good health and within underwriting guidelines. Additional premium will be charged for the extended period.

The policy bought online will be cancelled and the amount will be refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

In case of claims, you need to contact our ASP, Falck. They have tie-ups with almost all local ASPs in the US, thus making a huge coverage list. They will arrange for cashless facility for you at the nearest hospital.For all policies in US or in India, the claims are settled through the ASP.Please call the toll-free number 1 844 871 1200. For cashless claims, we have tied with Falck, which is one of the largest medical care providers. You can show your Falck card and avail cashless facility in US hospitals

There are different sum insured options avaialble in tarvel insurance to cater your need. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle

Yes, all insurance claims throughout the world are settled by ASP, in our case, it is Falck India Pvt Ltd.In case of hospitalisation, you would need to call our ASP on our helpline number at 1 844 871 1200 (From USA/Canada), 91 124 4498778 (From rest of the world). It's the agency who will settle your claims abroad on our behalf. They will assist you with a cashless facility, else they will inform you on the hospital where you can avail the treatment

You will have to pay premiums for a minimum of 1 week, i.e. seven days irrespective of the number of days of travel

If the insured Person is hospitalised for more than 2 days, we provide a daily allowance of $50 as compensation. This benefit can be claimed only once during the policy period and for a maximum of 5 days. This money can help you ensure quality hospital treatment or help your family with their travel expenses for hospital visits.

Yes.

Each time you will have to buy a single trip policy for the Schengen countries (S Plan) since the product requirements are different for Schengen countries e.g. no sub-limits are applicable for Schengen countries. The Schengen visa requires a no sub-limit plan so a Non-Schengen plan (with sub-limits) shall not be valid in Schengen countries. Hence it is highly advisable that you check the geographical scope of the policies that you buy to avoid last minute hassles.

Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. International Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.

This deductible is for daily allowance (US$ 50 per day for a maximum of five days) and not for hospitalisation. This allowance is for expenses other than hospitalisation expenses. The Company shall pay you a daily compensation if the hospitalisation is for a period of more than 2 consecutive days.

You will need to call the helpline numbers. On your request, we will arrange the cashless facility in the nearest hospital where you can avail treatment. All you need to show is your passport number and the policy number. In case of worldwide policies, we issue a Falck card, which is mailed along with policy certificate and will enable you to avail cashless facility in most of US hospitals

Claims should be submitted in 30 days, i.e. within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person's remains/burial

Yes, you can extend your International Travel Insurance Policy very easily online. We would however, recommend you to buy the policy for the full duration, as the extension depends on the terms and conditions of the company. Please refer to the policy wordings for details.Senior Citizens policy (for ages between 71 years to 85 years) can be issued for a maximum of 360 days including extensions, i.e., if a customer has taken a policy for 180 days, he can further extend the same to another 180 days subject to underwriting guidelines.In case you decide to shorten your stay before the policy expires, you can reimburse the premium for the unused policy duration (minimum unused period must be 30 days). For instance, if you take a policy with an initial duration of six months but later decide to come back earlier, you can reimburse the premium for the unused policy duration provided you are in India by the end of fifth month.

The policy bought online will be cancelled and the amount will be refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

You will need to call the helpline numbers. On your request, we will arrange the cashless facility in the nearest hospital where you can avail treatment. All you need to show is your passport number and the policy number. In case of worldwide policies, we issue a Falck card, which is mailed along with policy certificate and will enable you to avail cashless facility in most of US hospitals.

While you are on the trip covered within the period of insurance and:

• Officials in the country where you are visiting, recommend that certain categories of persons which include you should leave the country, or
• You are expelled from or declared persona non grata in the country you are in, or
• A catastrophe (fire, flood, earthquake, storm, lightning, explosion, hurricane or epidemic due to contagious disease) has occurred in the country you are in, necessitating immediate evacuation in order to avoid risk of personal injury or illness, then the company shall pay the cost of your return to your country of residence or the nearest place of safety up to the cost of an economy class air ticket for the same and reasonable accommodation costs up to a maximum of USD 300 per day for a maximum of 7 days if you are unable to return to your country of residence.The company’s liability under this benefit shall not exceed the Sum Insured as specified against this Benefit in the Policy Schedule which is USD 7500.

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

There are different plans of Travel Insurance provided by ICICI Lombard according to your requirements. To apply, visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle

The fee for policy cancellation is ₹300.

The hard copy of the policy will reach you within 7 working days. However, you can buy the policy online within 15 minutes and print the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number.

When you buy a policy from us, we issue an E card with your insurance policy (you can easily take print out of the same). Please register on the numbers mentioned on the E card before availing treatment. Cashless benefits are applicable only for Inpatient treatment and not for Outpatient treatment. Kindly contact us on   1 844 871 1200 (Toll-free from USA/Canada) and  91 124 4498778 (rest of the world call back facility). Our team also provides you referral to a provider wherein you can receive treatment

Except in the case of financial emergency, we can settle claims once you are back in India or when you are abroad. We also have a cashless facility in case of hospitalisation. Please register your claims through our ASP, Falck. They will arrange for the cashless facility for you in the nearest hospital. So whether you claim abroad or when you are back in India, the claims would be settled with our ASP

There is a Deductible/Policy Excess of US $ 100. This implies that for any claim, the first $100 is to be borne by you. This deductible is applicable on a per-illness (complete treatment) basis and not on a per-visit basis to the doctor/hospital. However, we do not have any co-pays. Similarly, there is a deductible of $50 for the loss of passport and a policy excess of 12 hours in case your airplane is hijacked.If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period

For reimbursement claims settlement, the ASP will check the required claim documents and reimburse the payments within 15 days.Please refer to the reimbursement claim process as below:Please call us at our insurance claims helpline number:In USA and Canada: 1 844 871 1200(Toll-free)From the rest of the world: 91 124 4498778 (Call back facility)In India: 1800 102 5721 (Toll-free and accessible in India only)Fax: 91 124 4006674E-mail: icicilombard@falck.com Download our claim form. Click here to download. Mail the claim form duly filled in with the relevant documents at:Claims Department,Falck India Pvt. Ltd.Upper Floor,The Peach Tree, Block - C,SushantLok –I, Sector 43,Gurgaon, Haryana -122015 (India)

Yes we do cover ambulance charges. We also cover all medical evacuation costs.

The forms are available on the website and you will also receive the forms along with the policy. You can submit them with the relevant documents.

For hospitalisation, please call on 1 844 871 1200 (From USA/Canada), on 91 124 4498778 (From rest of the world), which you would have to call up for the cashless claim, and for a physician visit, you will get reimbursement on the bills

There are some documents that are a mandatory requirement, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.

Now you can choose between 5 payment options to pay your premium online:

• Credit Card – Make secure premium payments with your VISA, MasterCard and AMEX card.
• Net Banking - Transfer premium amounts online through ICICI Bank and 9 other select Banks
• Bill Pay – Use your ICICI Bank Internet Banking account to pay your insurance premium
• Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
• Cash Card - Use your Done Card to make payment online
• Choose the product you plan to buy and log in to Buy Online
• Fill in the transaction details
• Choose from the 3, 6, 12 or 24 months options according to your convenience
• Access your policy immediately online

Below is a brief description of the conditions covered under medical coverage:

• Inpatient or Outpatient treatment, provided the same is critical and cannot be deferred till the Insured's return to the Republic of India.
• Medical aid, Radiotherapy, heat therapy, photo therapy, X-Ray, Diagnostic test and other such treatment/diagnostic tests prescribed by a Physician
• Cost of transportation, including necessary medical care en-route, by recognized emergency service providers for medical attention at the nearest hospital or at the nearest Physician

Kindly go through the Policy Wordings for details.

Registration of claim is required to avail benefits under the policy. Please call the given numbers to register your claim and confirm your coverage under the policy. Call on 1 844 871 1200 (Toll-free US and Canada), 91 124 4498778 (call back facility from the rest of the world) and they will assist you in providing for cashless services.

ICICI Lombard International Travel Insurance policy covers checked-in baggage loss and delay. If your baggage is delayed for more than 6 hours, the compensation for emergency items purchased, like medicines, clothing and toiletries would be given. If your baggage is lost, then compensation for the market value of the items lost is given.

We cover damage to your home or its contents from fire and allied perils or any loss of home contents on account of burglary (including attempted burglary), whilst on your trip abroad.

Pre-existing Condition shall mean and include any condition, ailment or injury or relatedcondition(s) for which you had signs or symptoms, and/ or were diagnosed, and/ or received medical advice/ treatment within 48 months to prior to the first policy issued by the Insurer.Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy

In case of hospitalisation or any treatment availed, you need to call up our ASP - Falck India Pvt Ltd who will in turn activate their local networks in the country of claim. 1 844 871 1200 (Toll Free in USA and Canada), 91 124 4498778 (Call back facility from the Rest of the World). They will assist you with the list of hospitals.

The company shall pay the actual additional expenses for lodging and boarding incurred by you subject to the maximum Sum Insured if your departure is delayed either at the port at the place of origin or at any intermediate ports forming part of the trip within the period of insurance solely arising out of and consequent upon contingencies like earthquake, flood, terrorism, cancellation or rescheduling of flights, lost or stolen passport or travel documents & hospitalisation. (The coverage is only applicable for a Platinum plan)

The Company shall pay the nominee or legal heir of the Insured a lump sum equal to theSum Insured against this benefit as specified in the Policy Schedule in case the Insuredmeets with death arising out of and consequent upon an injury encountered whilstmounting into, dismounting from or traveling in any Common Carrier as a passenger (fare paying or otherwise) during the period of insurance

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

If you are hospitalised beyond a period of 5 days following an injury and/or illness at any place during the trip, the plan covers, on a per-day basis, or in part, special assistance by any person of the family or near relatives.The company will also reimburse the cost of the economy class air ticket incurred by the person rendering such special assistance from and to the place of origin of such person or the place of residence of the person. (The coverage is only applicable for a Platinum plan

While you are on the trip covered within the period of insurance and:

• Officials in the country where you is visiting, recommend that certain categories of persons which include you should leave the country, or
• You are expelled from or declared persona non grata in the country you are in, or
• A catastrophe (fire, flood, earthquake, storm, lightning, explosion, hurricane or epidemic due to contagious disease) has occurred in the country you are in, necessitating immediate evacuation in order to avoid risk of personal injury or illness, then the company shall pay the cost of your return to your country of residence or the nearest place of safety up to the cost of an economy class air ticket for the same and reasonable accommodation costs up to a maximum of USD 300 per day for a maximum of 7 days if you are unable to return to your country of residence.The company’s liability under this benefit shall not exceed the Sum Insured as specified against this Benefit in the Policy Schedule which is USD 7500.

With International Travel Insurance policy you can enjoy a bundle of concierge services for your dependants in India while you are traveling. It is only applicable for a Platinum Plan under Single round trip & Gold Multi Trip Plan.

With International travel insurance you are eligible for reimbursement up to $7500. This involves reimbursement in terms of transportation of the unattended child in case of your hospitalisation for more than 5 days.

The cover in relation to hand baggage begins from the time you pass through the security at the airport at the port of origin and continues until you complete the trip covered. The compensation shall be relating to the loss of baggage as a whole, and shall be on actuals on declaration of such loss by you, provided that the overall liability under this benefit shall be limited to the sum specified in the Policy Schedule. (This coverage is only applicable for a Platinum plan)

The company shall compensate you for the loss of checked-in baggage occurring any time after the delivery of the baggage is taken from the common carrier against surrender of the receipt of the common carrier, or any time after you leave the exit gate of the airport (including while you are traveling in the rented vehicle) and any time before the checked in baggage is once again checked-in in connection with furtherance of the scheduled journey being part of the trip within the period of insurance, on actuals on declaration of such loss by you, provided that, the overall liability under this Benefit shall be limited to the sum specified in the Policy Schedule. (The coverage is only applicable for a Platinum plan)

The company shall reimburse the actual additional expenses/cost incurred by you up to the sum insured specified in the policy schedule for alternative flight arrangements or for alternative accommodation in the event of the confirmed flight reservation for any part of the trip within the period of insurance. Bouncing at the sole instance of the common carrier or bouncing of the confirmed accommodation booking at place of stay being part of the trip solely at the instance of the accommodation provider. (This coverage is only applicable for a Platinum plan)

The maximum duration is 90 days and this cannot be extended.

The customers need to be directed to our ASP – Falck India Pvt Ltd for the details regarding network hospitals. 1 844 871 1200 (Toll-free in USA and Canada), 91 124 4498778 (Call back facility from the rest of the world)

Yes. Some exclusions and conditions are specific to individual sections, while general exclusions and conditions apply to the policy overall. Please read the policy wordings carefully to ensure you have the cover you need.

The policy cover begins from the date on which the Insured first boards the mode of transportation by which he finally leave the Country of Residence and the policy cover ends on the actual date when Insured returns to the Country of Residence.

Yes. Our travel insurance is designed for both leisure and business travellers. Business travellers who go abroad frequently can avail of multi-trip plans.

Each individual is to be insured by not more than one policy during their journey.

Please refer to the policy wordings for complete coverage details.

International travel cover can be purchased for 180 days at a time and can be extended for another 180 days. This is subject to underwriting guidelines.

No, you shall need to buy 2 separate policies- one for the Schengen countries (S Plan) and another for the Non-Schengen countries (Excluding US and Canada plan) since the product requirements are different for Schengen countries e.g. no sub-limits are applicable for schengen countries. The schengen visa requires a no sub-limit plan so a Non-Schengen plan (with sub-limits) shall not be valid in Schengen countries. Hence it is highly advisable that you check the geographical scope of the policies that you buy to avoid last minute hassles.

For hospitalisation, we have a toll-free number, which you have to call for the cashless claim and for a physician visit, you will be reimbursed on the bills. Please call our toll-free numbers to register your claim.In USA and Canada: 1 844 871 1200(Toll-free)From the rest of the world: 91 124 4498778 (Call back facility)In India: 1800 102 5721 (Toll-free and accessible in India only)Fax: 91 124 4006674E-mail : icicilombard@falck.com

You will need to contact our ASP and they will arrange for cashless claims for the medical treatment.

ASP stands for Assistance Service Provider. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

No, there are no sub-limits applicable for Schengen countries.

You should choose a plan with a minimum sum insured of USD 50,000.

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Please refer the cancellation grid in policy wordings

The hard copy of the policy will reach you within 7 working days. However, you can buy the policy online within 15 minutes and print the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number

When you buy a policy from us, we issue an E-card with your insurance policy (you can easily take print out of the same). Please register on the numbers mentioned on the E-card before availing treatment. Cashless benefits are applicable only for Inpatient treatment and not for Outpatient treatment. Kindly contact us on 1 844 871 1200 (Toll-free from USA/Canada) and 91 124 4498778 (rest of the world call back facility). Our team also provides you referral to a provider wherein you can receive treatment.

Except in the case of financial emergency, we can settle claims once you are back in India or when you are abroad. We also have a cashless facility in case of hospitalisation. Please register your claims through our ASP, Falck. They will arrange for the cashless facility for you in the nearest hospital. So whether you claim abroad or when you are back in India, the claims would be settled with our ASP

This deductible is for daily allowance (US$ 50 per day for a maximum of five days) and not for hospitalisation. This allowance is for expenses other than hospitalisation expenses. The Company shall pay you a daily compensation if the hospitalisation is for a period of more than 2 consecutive days.

There is a Deductible/Policy Excess of US $100. This implies that for any claim, the first $100 is to be borne by you. This deductible is applicable on a per-illness (complete treatment) basis and not on a per-visit basis to the doctor/hospital. However, we do not have any co-pays. Similarly, there is a deductible of $50 for the loss of passport and a policy excess of 12 hours in case your airplane is hijacked.If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period.

For reimbursement claims settlement, the ASP will check the required claim documents and reimburse the payments within 15 days.Please refer to the reimbursement claim process as below:Please call us at our insurance claims helpline number:In USA and Canada: 1 844 871 1200(Toll-free)From the rest of the world: 91 124 4498778 (Call back facility)In India: 1800 102 5721 (Toll-free and accessible in India only)Fax: 91 124 4006674E-mail: icicilombard@falck.com Download our claim form. Click here to download. Mail the claim form duly filled in with the relevant documents at:Claims Department,Falck India Pvt. Ltd.Upper Floor,The Peach Tree, Block - C,SushantLok –I, Sector 43,Gurgaon, Haryana -122015 (India)

Yes. They will be required to buy the policy before travelling from India. An online policy can be bought by visiting our website www.icicilombard.com , which will be digitally signed and will be valid throughout the world. Once the payment is made, the policy will be generated instantly and your parents in India can take printouts immediately. Even if the policy is lost, all you need to do is log in to our website through your login ID and password, and take a printout instantly

Yes, all insurance claims throughout the world are settled by ASP, in our case, it is Falck India Pvt Ltd.In case of hospitalisation, you would need to call our ASP on our helpline number at 1 844 871 1200 (From USA/Canada), 91 124 4498778 (From rest of the world). It's the agency who will settle your claims abroad on our behalf. They will assist you with a cashless facility, else they will inform you on the hospital where you can avail the treatment

Yes, we do cover ambulance charges. We also cover all medical evacuation costs

The forms are available on the website and you will also receive the forms along with the policy, you can submit them with the relevant documents.

For hospitalisation, please call on 1 844 871 1200 (From USA/Canada), on 91 124 4498778(From rest of the world), which you would have to call up for the cashless claim and for a physician visit, you will get reimbursement on the bills

Claims should be submitted in 30 days, i.e., within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person's remains/burial

There are some documents that are a mandatory requirement, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof

Below is a brief description of the conditions covered under medical coverage:

• Inpatient or Outpatient treatment, provided the same is critical and cannot be deferred till the Insured's return to the Republic of India
• Medical aid, Radiotherapy, heat therapy, photo therapy, X-Ray, Diagnostic test and other such treatment/diagnostic tests prescribed by a Physician
• Cost of transportation, including necessary medical care en-route, by recognised emergency service providers for medical attention at the nearest hospital or at the nearest Physician

If the Insured person is hospitalised for more than 2 days, we provide a daily allowance of $50 as compensation. This benefit can be claimed only once during the policy period and for a maximum of 5 days. This money can help you ensure quality hospital treatment or help your family with their travel expenses for hospital visits

Kindly go through the Policy Wordings for details.

ICICI Lombard International Travel Insurance policy covers checked-in baggage loss and delay. If your baggage is delayed for more than 6 hours, the compensation for emergency items purchased, like medicines, clothing and toiletries would be given. If your baggage is lost, then compensation for the market value of the items lost is given

We cover damage to your home or its contents from fire and allied perils or any loss of home contents on account of burglary (including attempted burglary), whilst on your trip abroad

A 'pre-existing illness' is one which the person is already suffering from before he buys the policy. For the purpose of this policy, pre-existing disease is defined as:

• An illness which has not been treated

• An illness which is already treated

• An illness for which medical advice has been sought in the last six months before commencement of the trip abroad

This policy does not cover any pre-existing disease. Pre-existing Condition shall mean and include any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and/ or were diagnosed, and/ or received medical advice/ treatment within 48 months to prior to the first policy issued by the Insurer. Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy

The company shall pay the actual additional expenses for lodging and boarding incurred by you subject to the maximum Sum Insured if your departure is delayed either at the port at the place of origin or at any intermediate ports forming part of the trip within the period of insurance solely arising out of and consequent upon contingencies like earthquake, flood, terrorism, cancellation or rescheduling of flights, lost or stolen passport or travel documents & hospitalisation. (The coverage is only applicable for a Platinum plan

If you are hospitalised beyond a period of 5 days following an injury and/or illness at any place during the trip, the plan covers, on a per-day basis, or in part, special assistance by any person of the family or near relatives.The company will also reimburse the cost of the economy class air ticket incurred by the person rendering such special assistance from and to the place of origin of such person or the place of residence of the person. (The coverage is only applicable for a Platinum plan)

The Company shall pay the nominee or legal heir of the Insured a lump sum equal to theSum Insured against this benefit as specified in the Policy Schedule in case the Insuredmeets with death arising out of and consequent upon an injury encountered whilstmounting into or dismounting from or traveling in any Common Carrier as a passenger (fare paying or otherwise) during the period of insurance.

With International Travel Insurance policy you can enjoy a bundle of concierge services for your dependants in India while you are traveling. It is only applicable for a Platinum Plan under Single round trip & Gold Multi Trip Plan.

With International travel insurance you are eligible for reimbursement up to $7500. This involves reimbursement in terms of transportation of the unattended child in case of your hospitalisation for more than 5 days.

The cover in relation to hand baggage begins from the time you pass through the security at the airport at the port of origin and continues until you complete the trip covered. The compensation shall be relating to the loss of baggage as a whole, and shall be on actuals on declaration of such loss by you, provided that the overall liability under this benefit shall be limited to the sum specified in the Policy Schedule (this coverage is only applicable for a Platinum plan)

The company shall compensate you for the loss of checked-in baggage occurring any time after the delivery of the baggage is taken from the common carrier against surrender of the receipt of the common carrier or any time after you leave the exit gate of the airport (including while you are traveling in the rented vehicle) and anytime before the checked in baggage is once again checked-in in connection with furtherance of the scheduled journey being part of the trip within the period of insurance, on actuals on declaration of such loss by you, provided that, the overall liability under this Benefit shall be limited to the sum specified in the Policy Schedule. (The coverage is only applicable for a Platinum plan)

The company shall reimburse the actual additional expenses/cost incurred by you up to the sum insured specified in the policy, schedule for alternative flight arrangements or for alternative accommodation in the event of the confirmed flight reservation for any part of the trip within the period of insurance. Bouncing at the sole instance of the common carrier or bouncing of the confirmed accommodation booking at place of stay being part of the trip solely at the instance of the accommodation provider (this coverage is only applicable for a Platinum plan)

The maximum duration is 90 days and this cannot be extended.

The customers need to be directed to our ASP – Falck India Pvt Ltd for the details regarding network hospitals. 1 844 871 1200 (Toll-free in USA and Canada), 91 124 4498778 (Call back facility from the rest of the world)

Yes, we refund part of your premium if no claim has been made on any part of your policy and there are more than 30 days left from the expiry date.

Yes. Some exclusions and conditions are specific to individual sections, while general exclusions and conditions apply to the policy overall. Please read the policy wordings carefully to ensure you have the cover you need.

The policy cover begins from the date on which the Insured first boards the mode of transportation by which he finally leave the Country of Residence and the policy cover ends on the actual date when Insured returns to the Country of Residence.

Each individual is to be insured by not more than one policy during their journey.

Please refer to the policy wordings for complete coverage details.

For Gold Multi-trip plan maximum trip duration will be 30 days, 45 days or 60 days per trip as per plan

For hospitalisation, we have a toll-free number, which you have to call for the cashless claim and for a physician visit, you will be reimbursed on the bills. Please call our toll-free numbers to register your claim.In USA and Canada: 1 844 871 1200(Toll-free)From the rest of the world: 91 124 4498778 (Call back facility)In India: 1800 102 5721 (Toll-free and accessible in India only)Fax: 91 124 4006674E-mail : icicilombard@falck.com

You will need to contact our ASP and they will arrange for cashless claims for the medical treatment.

ASP stands for Assistance Service Provider. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

As per Schengen Visa requirement, the travel policy should be with no sub-limits. In our multi trip policy sublimits are not applicable up to the age of 50 years. Hence in case an insured is greater than or equal to 51 years of age then the insured will have to buy a single trip policy.

You should choose a plan with a minimum sum insured of USD 50,000.In case an insured is greater than or equal to 51 years of age then the insured will have to buy a single trip policy.

Premium for Travel Insurance depends on country of visit , length of stay and plan type choosen. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/travel-insurance/index.page?#toptitle