ICICI Lombard Travel Insurance

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ICICI LOMBARD TRAVEL INSURANCE INTRODUCTION

ICICI Lombard General Insurance Company Limited:
  • The company is a joint venture between ICICI Bank Limited, India's second largest bank and Fairfax Financial Holdings Limited, a Canada-based diversified financial services company.

  • It markets assurance products including Car Insurance, Health Insurance, international travel Insurance, Overseas Student Travel Insurance, Two Wheeler Insurance.

  • ICICI Lombard was awarded in the General Insurance Category at the 5th annual edition of the Indian Insurance award 2015 for its performance, growth, product and market innovation, customer service and technology.

PRODUCTS OF ICICI Lombard

Products available in travel insurance:

  • Multi trip travel insurance policy: multi trip policy is an insurance policy cover which will cover multiple trips made by the insured in a span of one year. The options are 30 days and 45 days max in one trip. 
  • Single trip travel insurance policy: Single trip policy is an insurance policy cover which will cover only single trip for a span of max 180 days made by the insured. This can be extended by another 180 days with approvals from under writers.  

SUM ASSURED OPTIONS AVAILABLE IN ICICI

LIST OF CORE BENEFITS AVAILABLE IN ICICI LOMBARD

ACCIDENTAL DEATH AND DISMEMBERMENT (Common Carrier)

  • The company will pay a percentage on the benefit amount shown in the Policy Schedule or the Schedule of Benefits.
  •  If the insured is Injured under the circumstances described in the Hazard(H-6) during an Insured Journey while this Policy is in effect results in one of the losses shown in the Table of Losses below.
  •  Injury must occur while You are riding as a passenger in or on, boarding or alighting from, a Common Carrier. The loss must occur within 365 Days, from the date of the Accident which caused Injury.
  • If more than one loss results from any one Accident, only one amount which is largest will be paid.

DENTAL TREATMENT

  • The ICICI shall compensate the Insured for the reasonable Medical Expenses incurred by the Insured in connection with treatment for any Injury or Illness to his/ her natural tooth or teeth during the Trip, undertaken within the Period of Insurance. 
  • Provided further such treatment should be advised by a Medical Practitioner qualified in practicing dentistry or dental surgery, and the reimbursement for the Medical Expenses incurred shall not exceed the Sum Insured for the coverage as mentioned in Policy Schedule here to. 

BAGGAGE DELAY

  • The ICICI will reimburse You for the expense of necessary personal effects, up to the maximum stated in the Policy Schedule or the Schedule of Benefits, 
  • If Your Checked Baggage is delayed or misdirected by a Common Carrier for more than the Deductible shown on the Policy Schedule or the Schedule of Benefits from the time You arrive at the destination stated on Your ticket.
  • You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection.

BAGGAGE LOSS

  • The ICIC will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, due to theft 
  • Benefits will only be payable in case of the loss of an entire piece of checked baggage, and not for damage to the luggage or partial loss of its contents.

EMERGENCY CASH ADVANCE

  • No claim shall be admitted under the Policy unless a complaint is lodged with the police authorities and copy of such complaint/ first information report is furnished to the Company. 
  •  No claim shall be payable under this Benefit for need arising after return of the Insured to the Country of Residence of the Insured. 

MEDICAL COVER AND EMERGENCY MEDICAL EVACUATION

  • The ICICI will pay the Reasonable and Customary Charges up to the maximum shown in the Policy Schedule for expenses incurred if any Injury or Sickness results to any Emergency Evacuation.
  •  An Emergency Evacuation must be ordered by the Assistance Company and Physician who certifies that the severity or the nature of Your Injury or Sickness warrants Your Emergency
Evacuation.
Covered expenses are those for Transportation and medical treatment, including medical services and medical supplies necessarily incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for Transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; and 
(c) arranged and authorized in advance by the Assistance Company.




REPATRIATION OF REMAINS

The ICICI will pay benefits up to the amount stated in the Policy Schedule or the actual costs incurred, whichever is the lower, expenses incurred to repatriate dead body from the place of death to India, in case of Your death as the result of the Bodily Injury or Sickness during the Period of Insurance.
All Repatriation of Remains arrangements must be approved in advance by Assistance Company.
Covered expenses include, but are not limited to, expenses for:
(a) embalming; (b) cremation; (c) coffins; and (d) transportation.
The deductible in respect of this benefit will be applicable if any and shall be of an amount as specified in the Schedule to this Policy.

BOUNCED BOOKINGS OF AIRLINES AND HOTEL

  • The ICICI shall reimburse the actual additional expenses/ cost incurred by the Insured up to the Sum Insured specified in the Policy Schedule for alternative flight arrangements or for alternative accommodation in the event of the confirmed flight reservation for any part of the Trip within the Period of Insurance bouncing at the sole instance of the Common Carrier or bouncing of the confirmed accommodation booking at place of stay being part of the Trip solely at the instance of the accommodation provider.
  •  Provided that the Company's liability shall be in relation to the travel covered by such confirmed booking and in relation to accommodation in the same place of stay and also provided that the Company's liability to such additional expenses shall be in relation to the same class of travel and same category of accommodation as the case may be covered by the original confirmed bookings. 

HIJACKING

The company will pay You a distress allowance as shown in the Policy Schedule or the Schedule of Benefits for every 24 hour period during which any Common Carrier in which You are traveling has been Hijacked, where as a direct consequence, Your Trip has been disrupted up to a maximum amount stated in the Policy Schedule or the Schedule of Benefits subject to any applicable Deductible.

LOSS OF PASSPORT

The ICICI will reimburse You, subject to Deductible, if You lose Your passport and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the Policy Schedule. The Deductible if any, shall apply to each insured event and shall be borne by You. The deductible in respect of this benefit will be applicable if any and shall be of an amount as specified in the Schedule to this Policy.
Exclusions:
1. loss of passport due to delay or from confiscation or detention by customs, police or other authority;
2. theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. loss or theft of passport left unattended by You unless located in a locked hotel room or apartment and an appropriate sized safety deposit box was not available.

TRIP DELAY

The ICICI will reimburse Reasonable Additional Expenses for Trip Delay, subject to the maximum shown in the Policy Schedule or the Schedule of Benefits, if Your Trip is delayed for more than 12 hours due to a
Covered Hazard.
The deductible in respect of this benefit will be applicable if any and shall be of an amount as specified in the Schedule to this Policy.
1. delay of a Common Carrier caused by Inclement Weather, or
2. delay due to a Strike or other job action by employees of a Common Carrier scheduled to be used by You during Your Trip, or
3. delay caused by Equipment Failure of a Common Carrier.


TRIP INTERRUPTION/ TRIP CANCELLATION

TRIP INTERRUPTION:
The company will reimburse You the Covered Expenses paid by You following necessary curtailment (Shortening and / or alteration) of the insured journey and You have to directly return to the country of usual residence, where You started Your Insured Journey, subject to the maximum shown in the Policy Schedule, due to:
1. The aircraft which You boarded as a passenger is hijacked.
2. Due to unexpected death of Your immediate family member.
3. Due to natural disaster which has prevented You from continuing with the scheduled trip
4. Due to unexpected strike, riot or Civil commotion which are beyond Your control
5. You are Unable to Continue the Trip due to a serious Sickness, serious Injury or death to: You; Your Traveling Companion,( Your Immediate Family Member)
TRIP CANCELLATION:
The company will pay loss of deposits up to the maximum amount stated in the Policy Schedule, if prior to the Contracted Departure Date Your Trip is canceled and You are Prevented From Taking the Trip due to a Sickness, Injury or death to, You, Your Traveling Companion, Your Immediate Family Member; or Your Traveling Companion's Immediate Family Member under the circumstances described in a Hazard during the course of an Insured Journey.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.

MISSED CONNECTIONS/MISSED DEPARTURE

The company will reimburse Reasonable Additional Expenses due to Missed Connections, or missed departure by Your scheduled airline, on your return journey, subject to the maximum shown in the Policy Schedule or the Schedule of Benefits, if the missed connection / departure is due to a Covered Hazard during the course of an Insured Journey.
Covered Hazards: Delay in Common Carrier failing to reach Your destination on time due to
1. Inclement Weather; or
2. Strike or other job action by employees of a Common Carrier scheduled to be used by You during Your return journey; or
3. Equipment Failure of a Common Carrier. 
You may claim only Delayed departure or Missed departure / missed connection, not both

PERSONAL LIABILITY

Property damage
If a claim is made or a suit is brought against You for Property Damage that occurred during the Period of Insurance and caused by an Occurrence to which this coverage applies, We will pay up to the amount stated in the Policy Schedule or the Schedule of Benefits, subject to any applicable Deductible, for Our limit of liability for the damages for which You are legally liable.
Medical payment to others
  • If a claim is made or a suit is brought against You for Medical expenses as the result of an Accident that occurred during the Period of Insurance caused by You and resulting in Bodily Injury to another person, while this Policy is in force, then company will pay the necessary medical expenses up to the amount stated in the Policy Schedule, that are incurred or medically ascertained within one year from the date of an Accident causing Bodily Injury subject to any applicable Deductible for this section. 
Medical expenses means reasonable charges for medical, surgical, X-ray, dental, ambulance, Hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to You or regular residents Premises of Your household. As to others, this coverage applies only if the Bodily Injury is caused by Your activities.

GENERAL EXCLUSIONS FOR ICICI Lombard

  • If the insured person found that he is involved in any of the riot, strike, or any  crime the company will not be liable.
  • If the insured person is going for any adventurous activities like sky diving, skiing, paragliding, any bike race, car race, mountain climbing, etc the company will not be liable.
  • If the insured trying to operate or learning to operate the aircraft, and performing the duties of any crew member of the aircraft will not liable. 
  • Performance of manual work for employment or any other potentially dangerous occupation by the insured is permanently excluded.
  • Any loss, damage or legal liability arising directly or indirectly by travelling to Afghanistan, cuba and democratic republic of congo will not be liable by the company.
  • Where the Insured Person is travelling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition.
  • Any Pre-existing Condition or any complication arising from it.
  • Suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune.

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