Travelling means different to different people. It can be for work, relaxation, rejuvenation, adventure, or just exploring the world. Whatever your motivation, after a stressful work-life balance, a trip to your favourite destination with your family could be all you need to come back all charged up.
Having said that, you cannot ignore the obvious risks and potential hassles related to travelling. For example, you may have to cancel your trip at the last minute due to unavoidable circumstances, or you may lose your baggage during transit. Also, you cannot overrule the possibility of falling sick during a trip. All such events can affect your travel budget significantly. This is where a robust travel insurance plan comes into play as it offers complete financial protection in the face of a mishap.
However, just buying travel insurance is not enough. You must ensure you buy it from an insurer who will help you during a crisis. Your insurer must have a high claim settlement ratio and promise a smooth claim process.
ICICI Lombard travel insurance claim process
It is critical to understand whether your policy covers the unfortunate incident that occurred during your trip. Proceed with the next steps only after you have confirmed this:
- Notify the Assistant Service Provider (ASP) assigned to you soon after the incident that necessitated the claim filing. The service provider number will be provided to you at the time of policy purchase. You can also find this number on the ICICI Lombard travel insurance page.
- Provide the required documents. For example, if the claim is for a trip extension, documents supporting the reason for the extension such as a medical report or certificate if the extension is due to illness are required.
- Fill out the claim form correctly.
- The ICICI Lombard claim team will review and verify your information before settling the claim. If the settlement is to be made in foreign currency, the exchange rate will be used.