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| 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. |
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| 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. |
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| What happens if my baggage is delayed for more than one day but not lost? |
| ICICI Lombard Individual Overseas Travel Insurance policy covers checked-in 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. |
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| 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 at + 1 866 625 8529 (Toll Free US and Canada) and +91 11 4189 8868 (Call back facility) and they will assist you in providing for cashless services. Medical expenditures that are not more than US$ 200 will be reimbursed. |
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| Which hospitals are covered under the ICICI Lombard Individual Overseas Travel Policy? |
| You can access worldwide hopitalisation coverage through our TPA (Third Party Administrator) SOS International. In order to faciliate greater access to quality health care, ICICI Lombard has partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US. |
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| 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. |
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| If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement? |
Yes, you can extend your Overseas Travel Insurance Policy very easily, online. We would however, recommend you to buy the policy for the full duration, as the extension depends on the terms and conditions of the Company. Please refer to the Policy wording for details.
In case you decide to shorten your stay before the policy expires, you can reimburse the premium for unused policy duration (minimum unused period must be 30 days). For instance, if you take a policy with initial duration of six months but later decide to come back earlier, you can reimburse the premium for unused policy duration provided you are in India by the end of fifth month. |
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| Is there cover for pre-medical conditions like Diabetes? |
Pre-existing condition would be covered in case of life-threatening situations.
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| Do you cover Pre-existing for normal visit? |
| Pre-existing condition would be covered in case of life-threatening situations or in the case of acute pain, till the patient is brought to a stable condition. |
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| 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.
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| What do you mean by daily allowance $25? |
| If the Insured Person is hospitalised for more than 2 days, we provide a daily allowance of $25 as compensation. This benefit can be claimed only once during the Policy period and for a maximum of 5 days. This money can help you to ensure above-standard hospital treatment or help your family with their travel expenses for hospital visits. |
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| How do I know which clinics/hospitals are covered by ICICI and which are not? |
| 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 |
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| 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. |
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FAQs 
