FAQs

• What is the maximum trip length?

  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.

• Where can I find out more about the policy coverage?

  Please refer to the policy wordings for complete coverage details.

• 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.

• Are business travellers eligible to purchase a Travel Insurance policy?

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

• When does the cover begin and end?

  You are covered from the start date of your trip or the policy start date. These will be confirmed on your policy schedule once the policy is purchased.

• Is there any exclusion to the policy?

  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.

• 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 and there are more than 30 days left from the expiry date.

• Where can customers access the list of hospitals?

  The customers need to be directed to our ASP – 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)

• What is the duration of the policy that can be issued on an immigrant Visa?

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

• Is it mandatory for the customer to be in India for international travel policy issuance?

  Yes.

• What is bounced booking- Hotel/Airline?

  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. (The coverage is only applicable for a Platinum plan)

• What is Personal Effects & Baggage Loss?

  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)

• What is Hand Baggage Cover?

  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. (The coverage is only applicable for a Platinum plan)

• What is Return of Minor Child Cover?

  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 hospitalization for more than 5 days.

• Explain Value Added Services. Is it applicable for all Plans?

  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.

• What is Political risk and Catastrophe Evacuation cover?

  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.

• What do you mean by Accidental Death in Common Carrier?

  The company offers you cover at the time of accidental death in a common carrier. However, the company is not liable to cover you:
  a) under the influence of drug/ alcohol
  b) for intentional suicide/self-injury. (Applicable for Single round trip & Gold Multi Trip Plan)

• What is covered under Compassionate visit?

  If you are hospitalized 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)

• What is covered under Emergency Hotel Extension?

  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 & hospitalization. (The coverage is only applicable for a Platinum plan)

• How do I know which clinics/hospitals are covered by ICICI and which are not?

  In case of Hospitalization 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.

• How many times can we extend the policy in a one-year duration?

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

• What is 'pre-existing illness'? Does this policy cover pre-existing diseases?

  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.

• What is the coverage for Home Contents?

  The coverage for contents of the home is INR `1,00,000. The contents of your home are insured as per the market value. The policy covers the losses to the contents due to natural and man-made calamities including burglary.

• What happens if my baggage is delayed for more than one day but not lost?

  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.

• What do I do if I fall sick when I am overseas?

  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 USand Canada), +91 124 4498778(Rest of the World (Call back facility) and they will assist you in providing for cashless services.Any claim which is less than USD 200 will be eligible under reimbursement only.

• If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement?

  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.

• How do I know limit of each type of expenses? What expenses are covered or not?

  Kindly go through the Policy Wordings for details.

• What do you mean by a daily allowance of $50?

  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.

• I will be travelling for 4 days. Can I get International Travel Insurance cover?

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

• Which conditions are covered under medical coverage?

  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