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International Travel Insurance
Travel Hassle-free
Presentation Path
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 – [email protected]
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