International Travel Insurance

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What is Travel Insurance ? Need for Travel Insurance Why IL Travel Insurance International Travel Insurance Claims Overview

What is Travel Insurance ? International Travel insurance covers travellers for

unexpected medical expenses when they are overseas

While the core offer is coverage of medical expenses, there are several non medical covers Checked Baggage loss or delay Value Added Services for dependents in India

Financial emergency money (given to the insured when abroad when there is loss of personal belongings)

Third party liability, Personal Accident etc

Eligibility & Policy Duration Available for all ages between 3 months – 70 years and senior

citizens between 71 to 85 years

Cover trips from as short as 1 day to max of 360 days Coverage for 180 days which can be extended for a

further period of 180 days, provided there is no claim

Comprehensive Plans

PLATINUM PLAN- 25 comprehensive coverages-Provides Value Added Services- Without Sub-limit A

Note - All these can be take either for a worldwide coverage or excluding USA & Canada (except Multi-trip and Asia plan)

ASIA PLAN-Specially designed for customers travelling nearby countries

MULTI-TRIP PLAN-For frequent Travellers- Valid for 1 year- 30, 45 & 60 days as max. duration

SILVER PLAN- Medical cover for basic needs

GOLD PLAN- Economical plan with host of benefits

Senior Citizen Plan-Specially designed for customers in age band 71-85 yrs

International Travel Insurance Plans

BenefitsCoverage Amount

Platinum

GoldSilver

Asia

Medical Cover (includes medical evacuation cost)*

USD 50,000 , USD 1,00,000 , USD 2,50,000 USD

5,00,000

USD

50,000

USD 2500

0

Repatriation of Remains (Including in medical Sum Insured)

USD 7,500

Daily Allowance In Case of Hospitalization (franchise of 2 days)

Up to US$ 50 per day for maximum of

5 days

Dental Treatment USD 300

Total Loss of Checked in Baggage

USD 500

Delay of Checked in Baggage USD 100

Loss of Passport USD 300

Personal Liability USD 100,000

Personal Accident USD 15000

International Travel Insurance Plans (Contd.)

Benefits Coverage AmountPlatinu

mGold Silver Asia

Hijack Distress Allowance US$ 125 per day for max. 7 days

Emergency Cash Advance USD 1000

Trip Cancellation & Interruption

USD 500

Missed Flight Connection USD 500

Trip Delay USD 500

Political Risk and Catastrophe Evacuation

USD 7500

Accidental Death (Common Carrier)

USD 5000

Fire Cover for Building INR 2000000

Fire Cover for Contents INR 1000000

Burglary Cover for Home Contents

INR 1000000

Bounced Booking – Hotel / Airline

USD 2000

Compassionate Visit US$ 7,500

Emergency Hotel Extension USD 5000

Loss of Baggage and Personal Effects

USD 2000

Return of Minor Children)Travel cost at actual not

exceeding US$ 7,500

Value Added Services

Multi-Trip Plan

MAX TRIP DURATION

AGE YRS.US$

100,000US$ 250,000 US$ 500,000

30 3months-50 5,368

6,615 9,176

51-60 6,919

8,608 12,407

61-70 9,959

12,412

18,629

45 3months-50 6,422

7,908 11,257

51-60 8,239

10,353

14,455

61-70 12,111

15,073

22,065

60 3months-50 7,183

8,846 12,712

51-60 9,205

11,617

16,128

61-70 14,137

17,589

25,397

All Prices Include Service Tax @12.36%

Worldwide Plan with ‘Gold’ Benefits

Senior Citizen Plan

Benefits Sum Insured Deductibles in US $

Medical Cover (includes medical evacuation cost)*

USD 50,000

US$ 100 (Total amount applicable for Medical

Expenses along with the applicable extensions under

Medical Expenses)

Repatriation of Remains (Including in medical Sum Insured)

USD 7,500 NA

Total Loss of Checked in Baggage USD 500 NA

Delay of Checked in Baggage USD 100 6 hours

Loss of Passport USD 300 USD 50

Personal Liability USD 100,000 5% of Actual

Personal Accident USD 2500 NA

Hijack Distress AllowanceUS$ 125 per day for

max. 7 days12 hours

Emergency Cash Advance USD 1000 NA

Trip Cancellation & Interruption USD 500 NA

Missed Flight Connection USD 500 3 hours

Trip Delay USD 500 6 hours

Political Risk and Catastrophe Evacuation

USD 7500 NA

Medical Cover

Med

ical C

overs

Med

ical C

overs

Medical Cover Medical Cover

Pre-Existing Disease Covered under

emergency

Pre-Existing Disease Covered under

emergency

Dental TreatmentDental Treatment

Daily Allowance In Case of Hospitalization

Daily Allowance In Case of Hospitalization

Personal AccidentPersonal Accident

USD 25000 to USD 500000

USD 25000 to USD 500000

100 % of medical cover

100 % of medical cover

USD 300 USD 300

USD 50 per day

USD 50 per day

USD 15000

USD 15000

CoveragesCoverages Sum Insured

Sum Insured

Deductibles

Deductibles

USD 100USD 100

--

USD 100USD 100

--

--

Benefit 1- Medical Cover ( Includes Medical Evacuation)We pay the customer for reasonable medical expenses incurred for treatments during the trip

Benefit 2: Dental TreatmentMedical Expenses are reimbursed incurred by the customer in connection with treatment for any Injury or Illness to his/her natural tooth or teeth during the Trip

Benefit 3: Daily Allowance In Case Of HospitalisationThe customer will be paid a daily compensation in case hospitalization is for a period of more than 2 consecutive days.

Benefit 4 : Personal AccidentWe compensate in case of death or total or partial permanent disability arising any time during the Period of Insurance.

Coverages In Detail

Coverage In DetailSub-Limit A For policies with medical expenses sum insured over US$ 100,000,the

limit of liability of the company will be restricted to US$ 100,000 per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/or hospitalization expenses

Sub-Limit B For person aged 51 years and above, the maximum eligible medical expense per sickness, disease or accident contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses, are as follows:

Hospital room, board and hospital miscellaneous expenses - US$ 1,800 per day up to 30 days.

ICU - Max. US$ 3,250 per day up to seven days Surgical treatment - Max. up to US$ 15,000 Anesthetist services - Up to 25% of surgical treatment Physician’s visit - Max. US$ 100 per day up to 10 visits Diagnostic and pre-admission testing - Max. US$ 1000 Ambulance services - Max. up to US$ 500 Misc expenses – Max of US $ 2000

(For Platinum plan only Sub Limit B is applicable, rest all plans both the limits are applicable )

Trip Related BenefitsTri

p R

ela

ted

Covers

Tri

p R

ela

ted

Covers

Total Loss of Checked in Baggage

Total Loss of Checked in Baggage

Delay of Checked in Baggage

Delay of Checked in Baggage

Loss of PassportLoss of Passport

Trip Cancellation & Interruption

Trip Cancellation & Interruption

Missed Flight Connection

Missed Flight Connection

Loss of Baggage and Personal Effects

Loss of Baggage and Personal Effects

CoveragesCoverages

USD 500USD 500

USD 100 USD 100

USD 300USD 300

USD 500USD 500

USD 500USD 500

USD 2000USD 2000

Sum Insured

Sum Insured DeductiblesDeductibles

--

6 hours6 hours

USD 50USD 50

--

3 hours3 hours

USD 100USD 100

Trip DelayTrip Delay USD 500USD 500 6 hours6 hours

Benefit 1 : Total Loss Of Checked in Baggage This covers the compensation for permanent loss of checked-in baggage based on the market value of the contents as on the expected arrival date

Benefit 2 : Delay of Checked in Baggage We pay a fixed sum in case the customer encounters a delay in receipt of his /her checked in baggage beyond the specified period

Benefit 3 : Loss Of Passport It covers expenses incurred in obtaining duplicate passport Benefit 4 : Trip Cancellation and Interruption

Any financial loss incurred by the insured out of the cancellation of the trip arising out of earthquake,storm,flood terrorism and other mentioned perils , death of immediate family member,etc will be indemnified

Coverages In Detail

Benefit 5 : Missed (Flight) Connections In case of failure of the insured to access the connecting flight, arising

out of and consequent upon delayed arrival of the earlier flight, the company

will pay a fixed amount.

Benefit 6 : Loss of Baggage and Personal Effects Compensation will be given for loss of checked in baggage occurring

anytime after the delivery of the baggage taken from common carrier (including

while he is travelling in the rented vehicle)

Benefit 7 : Trip Delay If the departure of the insured gets delayed at the place of origin or intermediary port arising out of earthquake, floods & terrorism ,

specified sum will be paid

Coverages In Detail

Emergency CoversEm

erg

en

cy C

overs

Em

erg

en

cy C

overs

Accidental Death ( Common Carrier)

Accidental Death ( Common Carrier)

Personal LiabilityPersonal Liability

Emergency Cash Advance

Emergency Cash Advance

Bounced Booking – Hotel / Airline

Bounced Booking – Hotel / Airline

Emergency Hotel Extension

Emergency Hotel Extension

Return of Minor Child(ren)

Return of Minor Child(ren)

Compassionate VisitCompassionate Visit

Hijack Distress Allowance

Hijack Distress Allowance

Repatriation of Remains

Repatriation of Remains

CoveragesCoverages

USD 5000USD 5000

USD

100,000

USD

100,000

USD 1000USD 1000

USD 2000USD 2000

USD 5000USD 5000

USD 7500USD 7500

Sum Insured

Sum Insured DeductiblesDeductibles

--

6 hours6 hours

USD 50USD 50

--

3 hours3 hours

USD 100USD 100

USD 7500USD 7500 6 hours6 hours

USD 125 per day for

5 days

USD 125 per day for

5 days

USD 7500USD 7500

--

--

Political Risk & Catastrophe Evacuation

Political Risk & Catastrophe Evacuation

USD 7500USD 7500 USD 500USD 500

Benefit 1 : Accidental Death We pay the nominee or legal heir of the customer an amount of $5000 in case the customer meets with death arising out of and consequent upon an Injury encountered during the Period of Insurance.

Benefit 2 : Personal LiabilityThis cover indemnifies the insured against any bodily injury or property damage to third parties on account of an accident occurring whilst on a trip

Benefit 3 : Emergency Cash AdvanceWe will provide an assistance service in case of emergency cash requirement, the assistance service provider co-ordinates with the insured person’s relative back in country to provide emergency cash assistance

Benefit 4 : Bounced Booking Of Airlines and HotelCustomer will be reimbursed the actual additional expenses incurred for alternative flight arrangements or for alternative accommodation in case of bouncing of confirmed accommodation booking or at sole instance of the common carrier

Coverages In Detail

Benefit 5 – Emergency Hotel ExtensionIf the departure of the Insured is delayed at the place of origin or at any intermediate port due to earthquake, flood & terrorism the additional expenses for lodging & boarding is paid.

Benefit 6 – Return of Minor Child / ChildrenIn an unfortunate event of the death of the insured while abroad, the cost of the economy class air ticket will be reimbursed for sending the unattended minor children.

Benefit 7 - Compassionate VisitWe will render special assistance services to the insured during the Period of hospitalization by any person of the family or relatives

Benefit 8: Hijack Distress CompensationCompensation at the rate per day will be payable incase the common carrier in which the insured is travelling as a passenger is held as captive by the hijackers

Benefit 9 : Political Risk and Catastrophe Evacuation ExpensesIf any kind of catastrophe (fire, flood, earthquake, storm, lightning, explosion, hurricane or epidemic due to contagious disease) occurs in the country which requires immediate evacuation, we will incur the cost of economy class air ticket to country of residence of nearest place of safety

Coverages In Detail

Value Added ServicesWith ICICI Lombard Travel Insurance feel secure because your loved ones

back home enjoy a bundle of concierge services

1) Medical Concierge Services for dependents in India Telephone Medical Information Medical Service Provider Referral Appointments with Local Doctors for Treatment Home Nursing Care Assistance Monitoring assistance Evacuation / Repatriation Services

2) Automotive Assistance Services for dependents in India Minor on the spot repair Breakdown Services & Towing Flat tyre service Battery Service / Jumpstart

3) Lifestyle Services for dependents in India

Gift/Flowers Delivery Assistance Dining Referral and Reservation Assistance Business Services Special Events and Performance Assistance Home Movers Assistance Plumbing Assistance Electrical Assistance Pest Control Assistance Home Cleaning Assistance Electrical Gadget Repair Assistance

* Applicable to selective plansFor the above mentioned services, the liability of the Company would always remain limited to providing

with assistance in terms of arranging the above mentioned services. All charges towards such services would be borne by the Insured Person.

Value Added Services Contd.

Claims Process – ICICI LombardTie-up with Europ Assistance (ASP)

Reimbursement & Cashless settlement for medical emergencies abroad

Financial emergency is given abroad by the ASP

Tie-up with UHG Allied with United Health Group (UHG), one of the largest health

care companies in the U.S. Provides access to UHG network of hospitals & physicians,

Constitutes access to about 86% of acute care hospitals, ~4,800 medical facilities, OPD centers and ~60,000 pharmacies throughout the U.S.

All our customers traveling to the U.S now receive a co-branded card as a part of the policy

Claim ProcessCustomer has to inform the ASP in the event of any claim, whether

assistance is needed or not Cashless settlement will be offered for medical cases only after

examining the details of the case Financial emergency is given abroad by the ASP, once approved by

them All other claims reimbursed only in India, in Indian Rupees

Claims reimbursed within 15 days of receipt of documents

Tie-up with UHG Allied with United Health Group (UHG), one of the largest

health care companies in the U.S.A. Provides access to UHG network of hospitals & physicians,

constitutes access to about 86% of acute care hospitals, 4,800 medical facilities, OPD centers and 60,000 pharmacies throughout the U.S.A.

All our customers traveling to the U.S.A. now receive a co-branded card as a part of the policy

For claim registration by the customer from USA :- 1 877 352 7706 (toll free) Canada: +1 877 352 7693 (toll free) Rest of the world: + 91 22 6787 2010(Call Back Facility) In India :- 1800 209 8889(Toll Free and Accessible in India

only) Fax No - +91 22 6734 7888 Email – europ-assistance@icicilombard.in

Tie-up with UHG (contd…) The UHC Card is a part of the policy print in all travel policies.

No separate UHC card is sent to the customer The customer has to call up the TPA no. while in the US for all

forms of assistance and claims. The UHC card is to validate the customer at the UHC network hospital

UHC card is given with all Worldwide policies except immigrant policies. Coverage limited to US only

In the UCV you will be able to view the policy along with the card print

UHG Card

FAQs1. Where can I find out more about the policy coverages?

Please refer to the policy wordings for complete coverage details.

2. 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.

3. Are 'business travelers' eligible to purchase a Travel Insurance policy?

Yes. Our travel insurance is designed for both leisure and business travelers. Business travelers who visit abroad frequently can be pitched with Multi trip plans.

4. When does cover begin and end?

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

5. Is there any exclusion to the policy? Yes. Some exclusions and conditions are specific to individual sections and

General exclusions and conditions apply to the policy overall. Please read the policy

wording carefully to ensure you have the cover you need.6. What is the maximum trip length? International travel cover can be purchased for trips up to 180 days, extended for

another 360 days depending on the claim status.

FAQs7. 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

8. From where can customer access the list of hospitals? Rest of the World: The customers need to be directed to our TPA – EAI for the

details regarding network hospitals. EAI phone number: 022-67872010 For network hospital list in the US: Go to the link: https://www.providerlookuponline.com/UHC/po7/Results.aspx Under plan select : United Healthcare Options PPO

9. How should I raise the request for policy cancellation, extension, endorsement for travel insurance?

Please raise a request in Samadhan in Travel Queries << Travel Process << Travel Cancellation/Travel Endorsement/Travel Extension/Travel Queries/Others

10. What is the duration of the policy we can issue on an immigrant Visa? Maximum duration is 60 days11. Is it mandatory for the customer to be in India while international travel

policy issuance? Yes

FAQ’s12. Can we sell travel insurance policy to customers flying to any country? We do not issue travel insurance policy to customers visiting Pakistan,

Afghanistan & Cuba.

Thank you