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.

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.

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.

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.