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| 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. Click here to view the documents required in making a claim. |
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| 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. |
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| Will my charges be paid directly to service provider or do I need to pay the bill first and then claim it from ICICI Lombard later? |
| For hospitalisation, we have a toll free no +91 11 4189 8868 (call-back facility)., which you would have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on his bills. |
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| 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.
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| 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 UK. |
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| Do you cover ambulance charges also? |
| Yes we do cover it. We also cover all medical evacuation costs. |
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| 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. |
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| 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 hospitalisation, the charges would be directly paid to the hospital, for that you would need to call our Third-Party-Administrator on a help line number at +91 11 4189 8868 (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.
*The term TPA is used for easy understanding for customers in place of Assistance Service Provider (ASP) |
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| How many providers in the US accept ICICI Lombard's Overseas 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. |
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| What is your Overseas Travel medical Insurance toll free number? |
| Please try the toll free number +91 11 4189 8868. |
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| 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 |
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| How does the reimbursement claim process work? |
For reimbursement claims settlement, TPA would check the required claim documents and reimburse payments within 7 days.
Please refer to the reimbursement claim process as below:
 | Please call us at our insurance claims helpline number:
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: +91 11 4189 8800
In India for reimbursement enquiry: 1800 113 666 (Toll Free & Accessible only in India and during business hours only)
Fax: +91 11 4189 8801 |
| Mail the claim form duly filled in with the relevant documents at: |
Claims Department,
International SOS
Suite No 605, 606, 6th Floor
Copia Corporate Suites
Plot No 9,
Jasola District Center
New Delhi - 110025
Admin Number: +91 11 41898802
Fax Number: +91 11 41898801 |
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| 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 USD 375, you'd have to pay the first 100 USD and rest 275 USD will be paid by the company. |
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| What is the deductible that you have? |
| There is a Deductible/Policy Excess of US $ 100. This implies for any claim the first $100 is to be borne by the insured. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital. However, we do not have any co-pays. Similarly, there is a deductible of $50 for loss of passport and a policy excess of 12 hours in case your airplane is hijacked. |
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| If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period:- Does this mean that the insured will have to bear hospitalisation expenses for the first 2 days? |
This deductible is for daily allowance (US$ 25 per day for max five days ) and not for hospitalisation. This allowance is for expenses other than hospitalisation 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 hospitalisation. If the person is again hospitalised, he would not be eligible for the same. |
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| Do you settle my claim when I am back in India? |
| Except in the case of financial emergency, we can also settle claims, once you are back in India and also when you are abroad. We also have a cashless facility in case of hospitalization. Please register your claims through our TPA (Third Party Administrator) International SOS. They will arrange for the cashless facility for you in the nearest hospital. So whether you claim abroad or when you are back in India, the claims would be settled with our Third-Party administrator. |
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| In case of hospitalisation how will I get a cashless facility? |
In case of hospitalisation, 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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| How do the hospitals across US recognize your Insurance and how do you offer us cashless facility? |
| When you buy a policy from us, we issue a health card with your digital insurance policy (you can easily take print out of the same) which entitles you to treatment and services across United HealthGroup countrywide network of hospitals and physicians across the US. To avail cashless facility, please register your claims at our USA/Canada toll free claims helpline number +1 866 625 8529 (USA and Canada Toll free) and +91 11 4189 8868 (rest of the world call back facility). Our team also provides you referral to a provider wherein you can receive treatment. |
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