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Senior Citizen Plan - Introduction
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.
This plan is for senior citizens between 71 to 85 years.
New – Avail Senior Citizen Plan instantly with no medical check up with a claim benefit of $15,000 per illness or injury.
*Click here to know how the plan works
The policy can be bought for a duration of 180 days.
For cashless settlement of claims, contact us at +91 11 4189 8800.
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Policy Details
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| Policy Coverage
 | Medical Cover - 71 to 75 years - USD 50,000, 76 to 85 years - USD 25,000
This covers medical cost due to illnesses or accidents, including outpatient & inpatient medical expenses, medical aid, therapies and diagnostic test. It also covers medical evacuation costs back to India. There are 2 plans available depending on the age of the insured. If the insured is 71 to 75 years of age, the sum insured is USD 50,000. However, if the insured is between 76 to 85 years of age, the sum insured is USD 25,000. Both have sub limit of USD 15,000 per illness or injury. Thus, the maximum amount that can be claimed per injury is USD 15,000.
NOTE - We also cover Pre-existing Ailments in case of life-threatening situations. |
| Personal Accident Compensation – US$ 2,500
A compensation given in case of death or permanent total disability. |
| Passport Loss** – US$ 200
For expenses incurred in obtaining a fresh or new passport. |
| Checked-in Baggage Loss Compensation– US$ 500
Compensation for the permanent loss of checked-in baggage |
| Checked-in Baggage Delay Compensation – 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 Liability Coverage– US$ 25,000
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 maximum of 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. # 12 hours.
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
| Pay Per day: Pay per day plan with slab rates for the first 7 days only |
| Instant Policy Issuance- The policy is issued instantly online. No medical check-up required |
| 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: +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
E-mail- travelclaims@icicilombard.com |
| No medical Check-up up to 85 years
As a special offer to senior citizens, avail Senior Citizen Plan instantly with no medical check up with a claim benefit of $15,000 per illness or injury. |
| 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 cover - Pre-existing ailments are covered in case of life-threatening situations. |
| 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. |
| Coverage up to 180 days - The Policy duration can be anywhere between 7-180 days. You may extend the policy, provided the maximum trip duration (including the extension as provided) does not extend 180 days. |
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| Back to top | | | Eligibility
The insured should be of age 71 years to 85 years at the time of buying the policy. The policy must be purchased before the insured leaves India for travelling abroad.
New - Instant Senior Citizen Plans - Avail new senior citizen plan with no medical tests, which offers a claim extent of $15,000 per illness or injury.
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| Back to top | | | Need for Travel Cover
| 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 |
| Amongst popular destinations, Travel insurance is mandatory for European countries, Australia, New Zealand, Canada and USA |
| 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 | | | Claim Process
Know all about making a claim
 Claim process
View Claim Process Chart
Download Claim Form
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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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