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Overseas Travel Insurance |
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| ICICI Lombard Insurance |
| Overseas Travel Insurance Policy Features |
| Eligibility: Insurance policy available for all ages between 1 – 70 years and senior citizens between 71 to 85 years. |
| Policy Duration: Cover trips from as short as 7 days to 180 days. Can be extended online. |
| Policy Maximum: The Plans offer various coverage options (US $ 50,000 to US $ 500,000). |
| Premium: Premium is payable on a pay per day basis and not slab rates, pay at 0% EMI on ICICI Bank and Citibank Credit Cards. |
| Pre-existing diseases: Pre-existing ailments and maternity are excluded except in case of life-threatening situations i.e. until the insured's heath is stable. |
| A (Excellent) Rating: ICICI Lombard has received an A (Excellent) rating from General Insurance Company of India and iAAA rating from ICRA signifying highest claims paying ability. |
| Worldwde Health care - ICICI Lombard has partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US. |
| Deductible/Policy Excess: There is a Deductible/Policy Excess of US $ 100. This implies for any claim the first $100 are to be borne by the insured. |
| Additional Coverage: Coverages include Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc. |
| Insurance Direct: Buy insurance online or Dial-A-Policy at 1800 209 8888 to buy your policy over the phone |
| Claim: In order to make a claim, please contact our TPA (Third Party Administrator) SOS International, which has tie-ups with network hospitals worldwide. |
No medical Check-up up to 85 years
No health-check up is required up to 70 years of age. And now as a special offer to senior citizens, avail Senior Citizen Plan instantly with no medical check up with a claim benefit of $15,000 per illness or injury. |
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Platinum Plan
Overseas Travel Insurance covers unexpected and unplanned medical and non-medical expenses when you are abroad. In order to faciliate greater access to quality health care, we have partnered with leading US-based Health Care provider UnitedHealth Group, to provide you access to United Health Care's network of hospitals and physicians when in the US.
All overseas travel policies charge premium on a slab basis. Which means if you are on a 16-day trip, you end up paying for 21 days, as the slab is 14 to 21 days. But with us you ‘pay per day’, you only pay for the days you travel. In case of insurance cover for senior citizens between 71 years to 85 years of age please
Contact Uniglobe Legend. |
| Policy Coverage |
Medical Cover*- US$ 50,000 to US$ 250,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India. |
Daily Allowance in case of Hospitalization**– US$ 25 per day for max. 5 days
Compensation for hospitalization for more than 2 days. |
Dental Treatment*– US$ 250
Covers the cost of acute anesthetic treatment to natural teeth due to an injury. |
Repatriation of Remains– US$ 7,000
For the expenses of repatriating the remains back to India. |
Passport Loss** – US$ 200
For expenses incurred in obtaining a fresh or new passport. |
Checked Baggage Loss– US$ 500
Compensation for the permanent loss of checked-in baggage. |
Checked Baggage Delay– US$ 100
Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to a delay of checked-in baggage for more than 12 hours. |
Personal Accident– US$ 15,000
Compensation paid in case of death or permanent total disability. |
Personal Liability– US$ 100,000
Compensation for damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the insured. |
Financial Emergency Assistance– US$ 300
Emergency cash that is available to you in case your travel funds are robbed. |
Hijack Distress Allowance#– US$ 125 per day for 7 days
A compensation payable in case of hijack of air or sea common carrier for more than 12 hours whilst on your trip abroad. |
Trip Cancellation & Interruption*– US$ 500
Reimbursement of the non-refundable prepaid payments or the additional expenses, for the trip being cancelled or interrupted due to medical problems, personal employment problems or natural disasters. |
Missed Connection*– US$ 500
Reimbursement of the extra expenses incurred due to a missing a connecting flight, due to delay in the arrival of the aircraft for more then 3 hours. |
Trip Delay*– US$ 500
Reimbursement of additional expenses incurred, up to US$ 100/- per day, if trip is delayed for more than 6 hours due to airline problems, medical problems, personal employment problems or natural disasters. |
Home Insurance– Rs. 2,000,000 for Building and Rs. 500,000 for Contents
To the losses that you may incur due to damage to you home from natural and man made calamities or burglary, whilst on your trip abroad. |
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*Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital. ** Deductible of US$ 50. ***2 days deductible. # 12 hours.
For complete details on policy coverage and exclusions, kindly refer to the Policy Wordings. |
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| Gold Plan |
Overseas Travel Insurance covers unexpected and unplanned medical and non-medical expenses when you are abroad. In order to faciliate greater access to quality health care, we have partnered with leading US-based Health Care provider UnitedHealth Group, to provide you access to United Health Care's network of hospitals and physicians when in the US.
In case of insurance cover for senior citizens between 71 years to 85 years of age please contact Uniglobe Legend |
| Policy Coverage |
Medical Cover*-US$ 50,000 to US$ 250,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India. |
Dental Treatment*– US$ 250
Covers the cost of acute anesthetic treatment to natural teeth due to an injury. |
Repatriation of Remains – US$ 7,000
For the expenses of repatriating the remains back to India. |
Personal Accident Compensation – US$ 15,000
A compensation given in case of death or permanent total disability. |
Passport Loss** – US$ 200
For expenses incurred in obtaining a fresh or new passport. |
Checked-in Baggage Loss Compensation– US$ 500
Compensation for the permanent loss of checked-in baggage |
Checked-in Baggage Delay Compensation – US$ 100
Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to a delay of checked-in baggage for more than 12 hours. |
Personal Liability Coverage– US$ 100,000
for damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the insured. |
Financial Emergency Assistance– US$ 300
Emergency cash that is available to you in case your travel funds are robbed. |
Hijack Distress Allowance#– US$ 125 per day, for maximum of 7 days
A compensation payable in case of hijack of air or sea common carrier for more than 12 hours whilst on your trip abroad. |
| *Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital. ** Deductible of US$ 50. # 12 hours. |
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