Platinum Plan

In case of insurance cover for senior citizens between 71 years to 85 years of age please click here.

Policy Coverage

• Medical Cover*- US$ 50,000 to US$ 250,000
  This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medically evacuation cost back to India.
• Daily Allowance in case of Hospitalization**– US$ 25 per day for max. 5 days
  Compensation for hospitalization for more than 2 days.
• Dental Treatment*– US$ 250
  Covers the cost of acute anesthetic treatment to natural teeth due to an injury.
• Repatriation of Remains– US$ 7,000
  For the expenses of repatriating the remains back to India
• Passport Loss** – US$ 200
  For expenses incurred in obtaining a fresh or new passport.
• Checked Baggage Loss– US$ 500
  Compensation for the permanent loss of checked-in baggage.
• Checked Baggage Delay– US$ 100
  Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to a delay of checked-in baggage for more than 12 hours.
• Personal Accident– US$ 15,000
  Compensation paid in case of death or permanent total disability.
• Personal Liability– US$ 100,000
  Compensation for damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the insured.
• Financial Emergency Assistance– US$ 300
  Emergency cash that is available to you in case your travel funds are robbed.
• Hijack Distress Allowance^#– US$ 125 per day for 7 days
  A compensation payable in case of hijack of air or sea common carrier for more than 12 hours whilst on your trip abroad.
• Trip Cancellation & Interruption*– US$ 500
  Reimbursement of the non-refundable prepaid payments or the additional expenses, for the trip being cancelled or interrupted due to medical problems, personal employment problems or natural disasters.
• Missed Connection*– US$ 500
  Reimbursement of the extra expenses incurred due to a missing a connecting flight, due to delay in the arrival of the aircraft for more then 3 hours.
• Trip Delay*– US$ 500
  Reimbursement of additional expenses incurred, up to US$ 100/- per day, if trip is delayed for more than 6 hours due to airline problems, medical problems, personal employment problems or natural disasters.
• Home Insurance– Rs. 2,000,000 for Building and Rs. 500,000 for Contents
  To the losses that you may incur due to damage to you home from natural and man made calamities or burglary, whilst on your trip abroad.

*Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital. ** Deductible of US$ 50. ***2 days deductible. # 12 hours.

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Key Benefits

• Pay Per Day- no slab rates charged - You don’t pay for the days you don’t use. So next time you travel for 24 days, you will pay for 24 days and not for 30 days in the slab system.
• Immediate Policy Issuance- The policy is issued instantly online. No medical check-up required.
• Cashless settlement of claims – You can avail of cashless services at medical institutions worldwide. Contact us at
  From USA and Canada: + 1 866 625 8529 (Toll Free)
  From the rest of the world: +91 11 4189 8868 (Call back facility)
  In India: 1800 113 666 (Toll Free & Accessible only in India)
  Fax: +91 11 4189 8801
  E-mail- travelclaims@icicilombard.com
• No medical Check-up up to 85 years
  No health-check up is required up to 85 years of age. This special offer is also applicable to senior citizens, avail Senior Citizen Plan instantly with no medical check up with a claim benefit of $15,000 per illness or injury.
• Lightning Fast Claims - Your claims are settled within 7 days of the receipt of the required documents.
• Pre-existing Ailments and Maternity cover - Pre-existing ailments and maternity are covered in case of life-threatening situations.
• Coverage up to 360 days

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Policy Exclusions

• Medical expenses arising out of
  • Pre-existing conditions
  • Addiction to alcohol, drugs
  • Mental disorder, anxiety, depression
  • Venereal diseases
  • Sexually transmitted diseases, AIDS, HIV
  • Radiation, nuclear weapons induced
  • Sporting activities
• Expenses arising out of loss valuables, money, securities and tickets
• Loss of passport in public places
• Personal liability of the insured

For more details, kindly refer to the Policy Wordings.

Overseas Product Code: Misc 4030

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Other Individual Overseas Plans

Compare Plan | Gold Plan | Silver Plan | Senior Citizen Plan