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| 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. |
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| What is a TPA? |
| 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. |
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| 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 at +91 11 4189 8868 and they would arrange for the cashless claims for the medical treatment. |
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| 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
Please call our toll free numbers to register your claim
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
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| How long does it take to receive the policy papers once I 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. |
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| Will I get refund if I cancel my policy? |
| The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire. |
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| What are the average costs of medical treatment abroad? |
Please refer to the table for average costs of medical treatment abroad in the U.S. vis-a-vis India.
(Note: The above reflects only approximate costs) |
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| Do you have tie up with United HealthGroup? |
Yes. We have allied with UnitedHealth Group (UHG), one of the largest health care companies in the US. This tie-up will give all our travelers access to United Healthcare’s network of hospitals & physicians.
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| What is the difference between SOS International and United HealthGroup? |
| United HeathGroup is the leading health care services provider in the US. This tie-up will give all our travellers access to United Healthcare’s network of hospitals & physicians However, for registering any claims – medical or non-medical, you need to call our third party administrator – SOS International toll Free at 1 866 625 8529. They are the assistance service provider who will settle your claims abroad on our behalf. |
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| What is the added feature or service that I can avail through United HealthGroup which are different from that of SOS International? |
| Our tie-up will give all our travellers access to United Healthcare’s network of hospitals & physicians. This also means that when you avail services from a hospital under the United HealthGroup network, you do not have to pay any extra charges. The services that we provide through our third-party administrator SOS International is claims assistance be it medical or non-medical to be availed worldwide. Register your claims with our third-party administrator SOS International who will in turn direct you the nearest United HealthGroup hospital/physician in your locality wherein you can receive treatment. |
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