Does this policy cover pre-existing diseases?
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
Is there cover for pre-medical conditions like diabetes?
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
Why do I need Travel Insurance?
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.
What sum insured should I opt for while traveling to Schengen countries?
You should choose a plan with a minimum sum insured of USD 50,000.
Are there any sub-limits applicable for Schengen countries?
No, there are no sub-limits applicable for Schengen countries.
In case medical treatment is required, is there any need for pre-approval before hospitalization?
You will need to contact our ASP and they will arrange for cashless claims for the medical treatment.
Where can I find out more about the policy coverage?
Please refer to the policy wordings for complete coverage details.
policy wordings
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.
What are the modes of payment?
Now you can choose between 5 payment options to pay your premium online:
- Credit Card – Make secure premium payments with your VISA, Master 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
What if I fail to produce the required documents?
There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.
Within how many days should the claim for insurance benefit be submitted?
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.
Will my charges be paid directly to the service provider or do I need to pay the bill first and then claim it from ICICI Lombard later?
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 be getting reimbursement on his bills
What is the process if we need to claim later?
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.
How long does it take to receive the policy papers once I purchase the policy online?
The hard copy of the policy will reach you within 15 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.
What are the charges for policy cancellation?
The fee for policy cancellation is ₹ 300.
Will I get a refund if I cancel my policy?
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.