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.

ASP stands for Associate Service Provider. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

You would need to contact our Associate Service Provider (ASP) and they would arrange for the cashless claims for the medical treatment.

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

In USA : +1 877 352 7706 (Toll Free)
In Canada: +1 877 352 7693 (Toll Free)
From the rest of the world: +91 22 6787 2010 (Call back facility)
In India: 1800 209 8889 (Toll Free and Accessible in India only)
Fax: +91 22 6734 7888
E-mail : travelclaim@icicilombard.com

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.

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.

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)

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.

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 Associate Service Provider (ASP) - Europe Assistance. They are the assistance service provider who will settle your claims abroad on our behalf.

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 Associate Service Provider (ASP) Europe Assistance are claims related, be it medical or non-medical, to be availed worldwide. Register your claims with our Associate Service Provider (ASP) Europe Assistance who will in turn direct you the nearest United HealthGroup hospital/physician in your locality wherein you can receive treatment.

An immigrant visa is required for anyone who wishes to enter a country to reside there permanently. To receive an immigrant visa, one has to meet certain requirements usually in education, family or work field, depending on the immigration laws of that particular country.

Almost every hospital is covered with one or the other Associate Service Provider (ASP). Our ASP is Europe Assistance. They have tie-ups with all local ASPs, connecting an exhaustive list of hospitals. You can safely assume, that all decent hospitals will be able to provide you cashless services.

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

Yes, you can buy Overseas Travel Insurance even if you are traveling on an immigrant visa. However, the maximum duration of your policy can only be 60 days.

A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy. For the purpose of this policy, pre-existing disease is defined as

• An illness which has not been treated.
• An illness which is already treated.
• An illness for which medical advice has been sought in the last six months before commencement of the trip abroad.

In our policy, Pre-existing condition would only be covered in case of life-threatening situations or in the case of acute pain, till the patient is brought to a stable condition.

Yes, passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.

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.

In case of an emergency, go to the hospital and avail the treatment. Then call the helpline number at +1 877 352 7706 (Toll Free US) +1 877 352 7693 (Toll Free Canada) and +91 22 6787 2010 (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.

You can access worldwide hopitalisation coverage through our Associate Service Provider (ASP) - Europe Assistance. 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.

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.

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.

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.

Pre-existing condition would be covered in case of life-threatening situations.

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.

Kindly go through the policy wordings, it has all fine prints of policy.

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.

Almost every hospital is covered with one or the other Associate Service Provider (ASP). Our ASP is Europe Assistance. They have tie-ups with all local ASPs, connecting an exhaustive list of hospitals. You can safely assume, that all decent hospitals will be able to provide you cashless services

You would have to pay premiums for a minimum of 1 week, i.e., seven days irrespective of the number of days of travel.

Below is a brief description of conditions covered under the medical coverage

• Inpatient or Out patient treatment, provided, the same is critical and cannot be deferred till the insured's return to the Republic of India.
• Medical aid, Radiotherapy, heat therapy, photo therapy, X-Ray, Diagnostic test and other such treatment/diagnostic tests prescribed by a Physician
• Cost of transportation, including necessary medical care en-route, by recognized emergency service providers for medical attention at the nearest hospital or at the nearest Physician
• Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain.

For complete details, please refer policy wordings

Now you can choose between 5 payment options to pay your premium online:

• Credit Card – Make secure premium payment with your VISA, Master and AMEX card. Avail EMI* without any extra charges on ICICI Bank & Citibank Credit Cards.
• Net banking - Transfer premium amounts online through ICICI Bank and 9 other select Banks
• Bill Pay – Use your ICICI Bank Internet Banking account to pay your Motor Insurance premium
• Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
• Cash Card - Use your Done Card to make payment online

* EMI option subject to minimum annual premium of 10,000.

Avail of Interest Free EMIs when you buy insurance online through your ICICI Bank or Citibank Credit Card. You can pay your premium in Equal Monthly Installments (EMIs) of 3, 6 or 12 months at interest free rates. Similarly, you can pay in EMIs of 3 or 6 months on your Citibank Credit Card.All you have to do is purchase your insurance policy online through your ICICI bank credit card.

Now you can choose between 5 payment options to pay your premium online:

• Choose the product you plan to buy and log in to Buy Online
• Fill in the transaction details
• Select to pay in EMIs through your ICICI Bank Credit Card
• Choose from the 3, 6 or 12 months options according to your convenience
• Access your policy immediately online
• The EMIs will be automatically charged to your monthly credit card statement

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.

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.

For hospitalisation, we have a toll free no +91 22 6787 2010 (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.

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.

You can go to the hospital of your choice and our Associate Service Provider (ASP) Europe Assistance will arrange for the cashless facility for you in the same hospital, Europe Assistance is the world biggest Associate Service Provider (ASP) and have branches throughout world, they have tie-ups with all the local ASPs in the world, thus making it an exhaustive list, you can safely assume all well-known hospitals would be covered in UK.

Yes we do cover it. We also cover all medical evacuation costs.

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.

Yes, all insurance claims throughout the world are settled by Associate Service Provider (ASP)*. In our case, it is Europe Assistance.

In case of hospitalisation, the charges would be directly paid to the hospital, for that you would need to call our Associate Service Provider (ASP) on our Helpline number at +91 22 6787 2010 (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 ASP 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 ASP is used for easy understanding for customers in place of Assistance Service Provider (ASP)

In case of claims, you need to contact our Associate Service Provider (ASP), Europe Assistance. They have tie-ups with almost all local Associate Service Providers (ASPs) in the 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 Associate Service Provider (ASP).

Please try the toll free number +1 877 352 7706.

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

For reimbursement claims settlement, ASP would check the required claim documents and reimburse payments within 15 days.

Please refer to the reimbursement claim process as below:



Please call us at our insurance claims helpline number:
In USA : +1 877 352 7706 (Toll Free)
In Canada +1 877 352 7693 (Toll Free)
From the rest of the world: +91 22 6787 2010 (Call back facility)
In India: 1800 209 8889 (Toll Free and Accessible in India only)
Fax:+91 22 6734 7888

Download our claim form. Click here to download.

Mail the claim form duly filled in with the relevant documents at:
Claims Department,
Europe Assistance
761 Solitaire Corporate Park,
167 Guru Hargovindji Marg,
Chakala, Andheri (E)

Yes, in case of hospitalization, the first USD 100 has to be paid by you. In case of physician visit, USD 100 per illness. For example if you visit a doctor for malaria and he charges you a fee of USD 75 per visit, and you need to visit him five times the total bill in this case would be USD 375, you'd have to pay the first USD 100 and rest USD 275 will be paid by the company.

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.

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.

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 Associate Service Provider (ASP) Europe Assistance. 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 Associate Service Provider (ASP).

In case of hospitalisation, the charges would be directly paid to the hospital. For that you would need to call on our Helpline number for our Associate Service Provider (ASP) - 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 ASP 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.

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 +1 877 352 7706 (USA Toll Free), +1 877 352 7693(Canada Toll free) and +91 22 6787 2010 (rest of the world call back facility). Our team also provides you referral to a provider wherein you can receive treatment.

Please contact our ASP at the numbers mentioned below to register your claim. The representative will guide you in detail about the claim process and will also provide you with claim form and list of other supporting documents required to process the claim.

In USA: +1 877 352 7706 (Toll Free)
In Canada: +1 877 352 7693 (Toll Free)
From the rest of the world: +91 22 6787 2010 (Call back facility)
In India: 1800 209 8889 (Toll Free and Accessible in India only)
Fax: +91 22 6734 7888
E-mail: travelclaim@icicilombard.com