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Annual Multi-Trip Insurance
Overseas Travel Insurance covers unexpected and unplanned medical and non-medical expenses when you are abroad. Our plan is the most preferred amongst other travel insurers because we cover pre-existing disease in life-threatening emergency situations. In order to faciliate greater access to quality health care, we have partnered with leading US-based Health Care provider UnitedHealth Group, to provide you access to United Health Care's network of hospitals and physicians when in the US.
The Multi-Trip Plan is specially designed for the frequent international traveller. The policy is valid for 1 year and you can choose between 2 options of 30 or 45 days as the maximum duration per trip.
For cashless settlement of claims, contact us at +91 11 4189 8800.
In case of insurance cover for senior citizens between 71 years to 85 years of age please click here. Multi-trip policy is available instanlty online for insured below 70 years.
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Policy Details
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| Policy Coverage
 | Medical Cover* @ - US$ 100,000 to US$ 500,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India.
NOTE - We also cover Pre-existing Ailments and Maternity in case of life-threatening situations. |
| Dental Treatment*– US$ 250
Covers the cost of acute anaesthetic 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. |
*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.
@ For policies with medical expenses sum insured over US$ 100,000, the limit of liability of the company will be restricted to US$ 100,000 per sickness, disease or accident. Further sub-limits applicable for people aged 56 years and above. For details, kindly refer to policy wordings.
Click here to view our Policy Exclusions.
For complete details on policy coverage and exclusions, kindly refer to the Policy Wordings.
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| Back to top | | | Key Benefits
| Save Time & Money – You pay an annual one-time premium and can secure as many trips (30 or 45 days per trip) throughout the year instantly online. Multi-trip has no extension hassles and insures all your trips throughout the year. |
| Customise your number of visits abroad - Our Multi-Trip Policy allows you to travel as many times as you like in a year, so long as each trip does not exceed 30 or 45 days. |
| Greater Sum Insured, greater cover - Secure your Overseas Travel worldwide with a higher sum insured of Rs. 500,000. |
| Immediate Policy Issuance- The policy is issued without any medical checkup upto 85 years of age. |
| Cashless settlement of claims worldwide – 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
No health-check up is required up to 85 years of age. |
| 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 |
| 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 |
| EMI without any extra charges: You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Card at EMI without any extra charge . (Conditions Apply. Providing EMI facility for ICICI Bank (upto 12 months), Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks)
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
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| Back to top | | | Eligibilty
| The insured needs to be between 1-70 years of age |
| The policy is issued without any medical checkup |
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| Back to top | | | Need for Policy
| In India, around 30 crore people travel by train and 1.5 crore by air, every year. A large number of people fall sick or cancel their travel plans or find their baggage stolen |
| Multi-Trip Policy is ideal for the frequent flyer and takes care of their entire travel insurance needs for a year |
| Medical treatment abroad is expensive especially when one has to pay in foreign currency |
| Overseas Travel Insurance takes care of your medical expenses and repatriation and covers you against personal accident, loss of checked baggage, loss of passport, personal liability, trip delay, etc. |
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| Back to top | | | Why buy online
Here are some reasons why you should buy your policy on www.icicilombard.com -
| Instant Policy - Your Policy is issued instantly, on completion of your online transaction. It is emailed immediately to the Email ID provided by you.
You can also print/download the policy from your account on www.icicilombard.com using your User ID & Password. It’s a Digitally Signed valid document just like a hard copy of your policy, which you can access online.
Moreover, if you select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days. |
| No Paperwork – There is no need of any paperwork. Save time & paper- Buy Online. |
| EMI without any extra charges: You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Cards through EMIs without any extra charges . (Conditions Apply) |
| Highest Levels of Security: All your details are secured with us. Click to view our security certification:
Entrust Certification |
Overseas Product Code: Misc 4030
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