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General Insurance FAQs
Frequently Asked Questions

  • Does this policy cover Pre-existing diseases?

    Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

  • Is there cover for pre-medical conditions like Diabetes?

    Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

  • Why do I need Travel Insurance?

    Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. International Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.
  • What sum insured should I opt for while traveling to Schengen countries?

    You should choose a plan with a minimum sum insured of USD 50,000.
  • Are there any sub-limits applicable for Schengen countries?

    No, there are no sub-limits applicable for Schengen countries.
  • What is an ASP?

    ASP stands for Assistance 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.
  • In case medical treatment is required, is there any need for pre-approval before hospitalization?

    You will need to contact our ASP and they will arrange for cashless claims for the medical treatment.
  • What are the procedures if pre-approval is required?

    For hospitalization, we have a toll free no., which you have to call for the cashless claim, and for a physician visit, you will be reimbursed on the bills. Please call our toll free numbers to register your claim.
    In USA and Canada : + 1 844 871 1200(Toll Free)
    From the rest of the world: +91 124 4498778(Call back facility)
    In India: 1800 102 5721(Toll Free and Accessible in India only)
    Fax: +91 124 4006674
    E-mail : icicilombard@falck.com
  • I have been planning a trip with my family to France. While booking my tickets for the same, I read about the Schengen visa norms and the insurance requirements. In which Schengen countries shall I mandatorily have to buy insurance?

    The Schengen area signifies a zone of 26 different European countries that would mandatorily require you to avail a travel insurance policy which covers medical expenses up to 30,000 Euros without any restrictions or sub-limits.
    The Schengen countries are the ones enlisted below
    Austria Norway Italy
    Czech Republic Portugal Liechtenstein
    Estonia Slovenia Luxembourg
    France Sweden Netherlands
    Greece Belgium Poland
    Iceland Denmark Slovakia
    Latvia Finland Spain
    Lithuania Germany Switzerland
    Malta Hungary  

    List of European Union Member States which are not Schengen States but with similar travel insurance parameters.
    Bulgaria Croatia
    Cyprus Romania
  • I recently purchased an international travel policy bearing nomenclature Gold W 50 and was planning a trip to Europe. What does the name indicate and will this policy take care of my medical expenses that I may incur in Europe.

    The policy nomenclature consists of 3 parts - Gold indicates the plan opted by you, “W” indicates worldwide which is the geographical scope of the policy and “50” indicates USD 50,000 which is the medical sum insured of the policy.

    The Schengen region signifies a group of European countries that have specific insurance parameters and the worldwide plan shall not cater to these insurance requirements. So your Gold W 50 plan will not be valid in Europe.

    When planning a trip, it is highly recommended that the customer check the geographical scope of the travel policy prior to making a purchase. Please find below a ready reference on which plan shall be valid depending on the travel destinations.

    Travel Destinations

    Age of customer

    Policies To be Purchased along with their nomenclature

    Worldwide (W)

    Excluding US & Canada (X)

    Schengen (S)

    US/Canada and Schengen countries

    Below 51 yrs



    51 and above






    UK and Schengen countries

    Below 51 yrs



    51 and above







    Schengen countries

    Below 51 yrs


    51 and above







    Non Schengen areas in Europe

    Below 51 yrs



    51 and above