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Travel insurance
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Why do I need travel insurance?
Travel insurance protects you from unfortunate events while travelling and ensures that you are not left stranded in any kind of emergency.
What is an ASP?
ASP stands for Assistance Service Provider. They assist you with your travel insurance claims.
In case medical treatment is required, is there any need for pre-approval before hospitalisation?
Please contact our ASP to know about the cashless claim procedure.
What is Personal Effects and Baggage Loss?
If your baggage or personal items are lost, stolen, or damaged while you’re on your trip, your insurance can help cover the costs it takes to replace them.
How do I know which clinics/hospitals are covered by ICICI and which are not?
You need to contact our ASP - Falck India Pvt. Ltd. They will assist you with the list of clinics and hospitals that are covered by ICICI.
How do I know the limit of each type of expenses and which expenses are covered?
Please read your travel insurance policy wordings to know more.
Where can I find out more about the policy coverage?
You can find out more about the policy coverage in policy wordings.
Are there any exclusions to the policy?
Yes. Please read the policy wordings carefully to ensure you have the cover you need.
When does the cover begin and end?
Your travel cover begins from the starting date of your trip.
Are business travellers eligible to purchase a travel insurance policy?
Yes, they are. Our travel insurance is designed for business travellers too.
Can more than one policy be issued for the same trip?
During a trip, one traveller can be insured by one policy only.
What is covered under 'Compassionate Visit'?
Under 'Compassionate Visit', the travel insurance plan covers special assistance by any person of the family or near relatives on a per-day basis, or in part.
What if I fail to produce the required documents?
Your claim will not be settled if you fail to produce the required documents
How can I avail health care services? Do you issue a card that enables treatment at select hospitals?
You need to call our helpline numbers to request the cashless facility in the nearest hospital. In case of worldwide policies, you will receive a Falck card, an e-card that lets you avail the cashless facility at hospitals in the US.
Within how many days should the claim for insurance benefit be submitted?
Travel insurance claims should be submitted within a month after the completion of treatment.
What is the process if we need to claim later?
You can claim later by submitting your form with relevant documents.
How does the reimbursement claim process work?
For reimbursement claim settlement, you need to contact our helpline number, download a Claim Form, and send it with required information and documents to the Claims Department. The ASP will check the documents and reimburse the applicable amount within 15 days.
How long does it take to receive the policy papers once I purchase a travel insurance policy online?
Once you purchase a travel insurance policy online, you will receive the policy papers within 15 business days.
Will I get a refund if I cancel my travel insurance policy?
Sorry, travel insurance policy is non-refundable.
What if I change my travel dates? Will my travel insurance policy remain valid?
If you change your travel dates, you need to inform ICICI Lombard about it.
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