Travelling involves adventure and exploration as you explore new places. It also involves a break from daily life and a change of pace whether you travel for leisure or for business. Though travelling is fun, it is fraught with uncertainties. You can face different types of contingencies when you travel. When such contingencies occur, they not only cause inconvenience and emotional trauma, they also incur financial losses. These financial losses can be taken care of by a travel insurance policy. The policy covers the different types of travel-related contingencies which you might face on your trip and compensates you for the loss that you suffer.
ICICI Lombard General Insurance Company is a reputed name in the general insurance industry. The company offers different types of general insurance policies and travel insurance is also a product category offered by the company. ICICI Lombard travel insurance plans cover international trips taken for business or leisure. The policies provide an exhaustive scope of coverage, both inbuilt as well as optional, which make your trips financially secured against possible contingencies. You can choose a policy as per your coverage needs and also cover all family members travelling with you.
ICICI Lombard travel insurance plans have the following features and benefits which make them a good fit for your travel insurance needs.
The list of travel insurance policies offered by ICICI Lombard and their features and coverage benefits are discussed below –
This travel insurance plan covers international trips taken anywhere in the world. You can buy this policy for Schengen travel, for travelling to any country except the USA and Canada and also for travelling worldwide including USA and Canada. The salient features of the policy are as follows –
Coverage benefits of ICICI Lombard International Travel Insurance Plan
The International Travel Insurance plan covers the following types of contingencies –
Eligibility conditions of ICICI Lombard International Travel Insurance Plan
3 months to 70 years
USD 50,000 to USD 500,000
Up to 180 days + extension allowed for up to 180 days
This travel insurance policy is designed specifically for older individuals who are going on a trip. Individuals aged 71 years onwards can be covered under the policy. The features of the plan are as follows –
Coverage benefits of ICICI Lombard Senior Citizen Travel Insurance Plan
The Senior Citizen policy covers the following contingencies suffered when on an international trip –
Eligibility conditions of ICICI Lombard Senior Citizen Travel Insurance Plan
71 years to 85 years
USD 25,000 to USD 50,000
Up to 180 days + extendable by another 180 days
This is an annual international travel insurance policy which covers multiple trips taken within the year. You can take innumerable trips in a year and coverage would be allowed for each trip. This policy is suitable for frequent travellers and businessmen who travel frequently for work related purposes. Multi-trip policies prove more convenient than buying individual single trip policies for frequent travels and they are cheaper too. Let’s understand the main features of Gold Multi-trip Plan offered by ICICI Lombard for frequent travellers –
Coverage benefits of ICICI Lombard Gold Multi-Trip Plan
The Gold Multi-Trip Plan provides coverage for the following –
Eligibility conditions of ICICI Lombard Gold Multi-Trip Plan
USD 100,000, USD 250,000 and USD 500,000
Maximum coverage for each trip – 30 days, 45 days or 60 days as selected by the insured
This is a continent specific policy which covers trips taken within Asia itself like Thailand, China, UAE, etc. The salient features of the plan are as follows –
Coverage benefits of ICICI Lombard Asia Travel Insurance Plan
Coverage under Asia Plan includes the following features –
Eligibility conditions of ICICI Lombard Asia Travel Insurance Plan
180 days + extendable for another 180 days
Though ICICI Lombard travel insurance plans provide a comprehensive scope of coverage for medical and non-medical contingencies, there are many instances which are not covered under the plans. These instances are called policy exclusions and some common cases of exclusions under all types of ICICI Lombard travel insurance plans are as follows –
You can buy ICICI Lombard travel insurance through one of the following ways –
The first two modes of buying an ICICI Lombard travel insurance plan are offline modes which require you to apply for the policy physically. If, however, you want to buy the policy instantly without hassles, the online mode is more suitable. You just have to select the type of travel insurance policy that you need, fill in the travel details, calculate the premium, pay the premium online and the policy would be issued instantly without any fuss. To buy, visithttps://www.icicilombard.com/travel-insurance, choose the type of policy needed and proceed to provide your trip details.
To buy ICICI Lombard travel insurance the following documents would be needed –
If you want to renew your ICICI Lombard travel insurance policy you would have to request the company for such renewal. Submit your request in writing and the company would allow you to renew the policy. You would have to pay the renewal premium for renewing your coverage. Moreover, at the time of renewals, you can change the sum insured if you like and the renewal premium would be calculated accordingly.
In case of a claim, the policyholder should follow the below-mentioned claim process for the settlement of claims –
To make a valid claim under your ICICI Lombard travel insurance policy, the following documents would be required –
Medical evacuation means bringing you back from your travelling destination to your home country for medical treatments following an illness or injury suffered on the trip.
Yes, dental treatments are covered under most travel insurance policies offered by ICICI Lombard. However, such treatments should be availed only because of suffering an injury. Self-elected treatments which are cosmetic in nature would not be covered under travel insurance plans.
Yes, travel insurance policies have deductibles under most coverage features. Deductibles mean the limit of claim which is not paid by the insurance company. If there is a deductible, claims exceeding the deductible limit would be paid by ICICI Lombard. The deductible limit can be mentioned as a period of time or as an absolute amount. If it is depicted as a period of time, it means that if the contingency continues beyond the deductible time frame, coverage would be provided. For instance, for baggage delay a deductible of 6 hours is applicable. This means that the baggage delay would be covered only if the delay exceeds 6 hours. In case of absolute deductible amounts, however, claims exceeding the deductible are paid. So, if the deductible limit is USD 1000 and the claim is USD 2000, ICICI Lombard would pay only USD 1000 while the deductible of USD 1000 would be paid by you.
List of top insurance policies offered by All You Need to Know About Travel Insurance