Individual Overseas Travel FAQs
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- Why do I need Travel Insurance?
- What is a TPA?
- In case medical treatment is required,
is there any need for any pre-approval before hospitalization?
- If pre-approval is required then what
are the procedures?
- How long does it take for us to receive
the policy papers once we purchase the policy online?
Why do I need Travel Insurance?
One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency.
TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.
In case medical treatment is required, is there any need for any pre-approval before hospitalization?
You would need to contact our third party administrator in India, and they would arrange for the cashless claims for the medical treatment.
If pre-approval is required then what are the procedures?
For hospitalization, we have a toll free no., which you have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on the bills.
How long does it take for us to receive the policy papers once we purchase the policy online?
The hard copy of the policy will reach you within 7 working days. However, you can buy online within 15 minutes and take print out of the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number.
- What is ‘pre-existing illness’?
- What if I lose my passport? Is that
covered?
- What happens if my baggage is delayed
for more than one day but not lost?
- What do I do if I fall sick when I
am overseas?
- In the event of an accident or illness,
what if it is not possible to consult a physician or a doctor?
- If I take a 2 month Travel Insurance
Policy, would I be able to extend it later, as per my requirement?
- Is there cover for pre-medical conditions
like Diabetes?
- How do I know limit of each type of
expenses? What expenses are covered or not?
- How do I know which clinics/hospitals
are covered?
- I would be travelling for only 4 days,
will I get overseas travel insurance cover?
What is ‘pre-existing illness’?
A ‘Pre-Existing Illness’ is one with which the person is already suffereing from before he buys the policy. This policy does not cover pre-existing diseases even if:
- the illness had not been treated.
- the illnesses is already treated.
- medical advice has been sought in the last six months before commencement of the trip abroad.
- also includes the consequences of all these.
What if I lose my passport? Is that covered?
Yes, passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.
What happens if my baggage is delayed for more than one day but not lost?
ICICI Lombard Overseas Travel Insurance policy covers baggage loss and delay. If your baggage is delayed for more than 12 hours, the compensation for emergency items purchased, like medicines, clothing and toiletries, would be given. If your baggage is lost, then compensation for the market value of the items lost is given.
What do I do if I fall sick when I am overseas?
In case of an emergency, go to the hospital and avail the treatment. Then call the helpline number and they will assist you in providing for cashless services. Medical expenditures that are not more than US$ 200 will be reimbursed.
In the event of an accident or illness, what if it is not possible to consult a physician or a doctor?
In an event of an accident or illness if it is not possible to contact a physician or doctor, an alarm centre should be contacted immediately. They will help organise medical services for you.
If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement?
Yes, you can do that very easily, online. We would however, recommend
you to buy the policy for the full duration, as the renewal is in the
hands of the company. Let's say for example, if there is a big claim in
the first 2 months, we may not be in a position to renew the policy. However,
if you have the policy for the complete duration, we will have to cover
the insured till the time he wants.
We would refund the amount on a priority basis, if you decide to shorten
your stay or journey.
Is there cover for pre-medical conditions like Diabetes?
Pre-existing condition would be covered in case of life-threatening situations.
How do I know limit of each type of expenses? What expenses are covered or not?
Kindly go through the policy wordings, it has all fine prints of policy.
How do I know which clinics/hospitals are covered?
Almost every hospital is covered with one or the other third party administrator. Our TPA is SOS International. They have tie-ups with all local TPAs, connecting an exhaustive list of hospitals. You can safely assume, that all decent hospitals will be able to provide you cashless services.
I would be travelling for only 4 days, will I get overseas travel insurance cover?
You would have to pay premiums for a minimum of 1 week, i.e., seven days irrespective of the number of days of travel.
Now you can choose between 5 payment options to pay your premium online:
- Credit Card – Make secure premium payment with your VISA, Master and AMEX card. Avail 0% EMI on ICICI Bank & Citibank Credit Cards.
- Net banking - Transfer premium amounts online through ICICI Bank and 9 other select Banks
- Bill Pay – Use your ICICI Bank Internet Banking account to pay your Motor Insurance premium
- Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
- Cash Card - Use your Done Card to make payment online.
- What if I fail to produce the required
documents?
- Within how many days should the claim
for insurance benefit be submitted?
- Will my charges be paid directly to
service provider or do I need to pay the bill first and then claim it
from ICICI later?
- If we need to claim later then what
is the process?
- Can you please tell me the name of
the hospitals in Manchester city (UK) where I can avail your cashless
system?
- Do you cover ambulance charges also?
- I am not sure that I understand the
way the health care will be provided. Do you issue a card which will
enable treatment in the selected hospitals?
- Do we have to contact the Third Party
Administrator in case of illness and/or emergency?
- How many providers in the US accept
ICICI's Travel insurance?
- What is your Overses Travel medical
Insurance toll free number?
- Do my parents need to have the policy
papers with them when they are traveling? I am planning to purchase
the policy online and have the papers delivered to the US
- What does 'deductible of US $ 100
imply? Does this mean that everytime I get hospitalized or visit a doctor,
the first $100 will have to be paid by the insured?
- If hospitalization is for more than
2 consecutive days, this benefit can be cleared only once during the
policy period :- Does this mean that the insured will have to bear hospitalization
expenses for the first 2 days?
- In case of hospitalization how will I get a cashless facility?
What if I fail to produce the required documents?
There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.
Within how many days should the claim for insurance benefit be submitted?
Claims should be submitted in 30 days that is within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person’s remains / burial.
Will my charges be paid directly to service provider or do I need to pay the bill first and then claim it from ICICI later?
For hospitalization, we have a toll free no., which you would have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on his bills .
If we need to claim later then what is the process?
The forms are available on the website, and you will also receive the forms along with the policy, you can submit them with relevant documents.
Can you please tell me the name of the hospitals in Manchester city (UK) where I can avail your cashless system?
You can go to the hospital of your choice and our third party administrator (SOS International) will arrange for the cashless facility for you in the same hospital, SOS International is the world biggest third party administrator and have branches throughout world, they have tie-ups with all the local TPA in the world, thus making it an exhaustive list, you can safely assume all well-known hospitals would be covered in USA.
Do you cover ambulance charges also?
Yes we do cover it. We also cover all medical evacuation costs.
I am not sure that I understand the way the health care will be provided. Do you issue a card which will enable treatment in the selected hospitals?
You will need to call up the help line no., on your request, we will arrange the cashless facility in the nearest hospital where you can avail treatment. All you need to show is your passport number and the policy number.
Do we have to contact the Third Party Administrator in case of illness and/or emergency?
Yes, all insurance claims throughout the world are settled by third party
administrator. In our case, it is SOS International.
In case of hospitalization, the charges would be directly paid to the
hospital, for that you would need to call on a help line number of our
third party administrator (it's the agency who will settle your claims
abroad on our behalf ) and they will arrange for a cashless facility.
If it is a case of emergency, the TPA would help you provide the cashless
facility in the nearest hospital, or else they will inform you on the
hospital where you can avail the treatment..
How many providers in the US accept ICICI's Travel insurance?
in case of claims, you need to contact our third party administrator,
SOS International. They have tie-ups with almost all local third party
administrator in US, thus making a huge coverage list. They will arrange
for the cashless facility for you in the nearest hospital.
For all policies in US or in India, the claims are settled through the
third party administrator.
What is your Overseas Travel medical Insurance toll free number?
Please try the toll free number +91 11 4189 8868.
Do my parents need to have the policy papers with them when they are traveling? I am planning to purchase the policy online and have the papers delivered to the US
We will deliver the papers to your parents in India.
You will also be getting an online policy, which would be digitally signed
and would be valid thoughout the world, once you make a payment the policy
would be instantly generated and your parents in India can take printouts
immediately.
Even if the policy is lost all you need to do is login to our website
through your login id and password and take a printout instantly.
What does 'deductible of US $ 100 imply? Does this mean that everytime I get hospitalized or visit a doctor, the first $100 will have to be paid by the insured?
Yes, in case of hospitalization, the first 100 USD has to be paid by you. In case of physician visit, 100 USD per illness. For example, if you visit a doctor for malaria and he charges you a fee of 75 USD per visit, and you need to visit him 5 times the total bill in this case would be Rs. 375, you'd have to pay the first 100 USD and rest 275 USD will be paid by the company.
If hospitalization is for more than 2 consecutive days, this benefit can be cleared only once during the policy period :- Does this mean that the insured will have to bear hospitalization expenses for the first 2 days?
This deductible is for daily allowance (US$ 25 per day for max five days
) and not for hospitalization. This allowance is for expenses other than
hospitalization expenses. For example, if some one has been admitted in
the hospital, there will be some expenses other than the hospital charges
such as transportation etc, this allowance will help you cover these expenses.
If one is admitted for 5 days, the allowance will not be paid for first
2 days, but for next 3 days it will be paid.
Benefit can be cleared only once during the policy period - the benefit
would be given only on the first hospitalization. If the person is again
hospitalized, he would not be eligible for the same.
In case of hospitalization how will I get a cashless facility?
In case of hospitalization, the charges would be directly paid to the hospital. For that you would need to call on a help line number of our third party administrator (it's the agency who will settle your claims abroad on our behalf ) and they will arrange for a cashless facility. If it is a case of emergency, the TPA would help you provide the cashless facility in the nearest hospital, or else they will let you know the hospital where you can avail the treatment.In case of an OPD treatment, the claims will be settled later.
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