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| Student Overseas Travel Health Insurance |
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| Policy information of health insurance products for students, studying internationally or domestically, including comparison rates, policy language, coverage etc |
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| 9-Overseas Student Travel Insurance - ICICI Lombard General Insurance Company Limited |
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| 13. Claim Procedure : |
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(a)The Insured shall immediately contact the Alarm Center of the Third Party Administrator or the Third Party Administrator stating the necessary details. The phone numbers of the Alarm Centers are as follows:
In USA & Canada +1 866 625 8529 (Toll Free)
From the rest of the World +91 11 5189 8868
(Call Back Facility)
In India 1800 113 666 (Toll Free & Accessible only from India)
Fax +91 11 5189 8801
E-mail travelclaims@icicilombard.co |
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| (b)The Third Party Administrator will verify the identity of the caller by asking his/her mother's maiden name. |
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| (c)In the event of an accident or sudden illness where it is not possible to do so before consulting a Physician or going to the Hospital, the Insured shall contact the Alarm Center as soon as possible. In either case, when being admitted as a patient, the Insured shall show the concerned Physician or personnel this Policy, if requested. |
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| (d)In the event of the dearth of the Insured, if the Bail Bond benefit has been availed, the Insured's Immediate Family Members or the Sponsor shall submit and official death certificate and a statement from a physician mentioning the cause of death, to the Third Party Administrator to be absolved of their obligation to pay the Bail Bond amount back to the Third Party Administrator / or the Company as soon as possible, in any case, within 1 month of the Insured's death. Death certificate from relatives or spouses will not be accepted. |
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| 14. |
Claims Settlement : |
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| (a) If the procedure stated above is complied with, the Third Party Administrator will guarantee to the service provider. |
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| (b) The costs of hospitalisation, transportation for emergency services, transportation home for Insured and any covered accompanying person, transportation of the mortal remains, local burial, and bail bond assistance. All costs will be directly settled by the Third Party Administrator on the Company's behalf and the same shall constitute due discharge of the Company's obligations hereunder. |
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| (c) If the service provider does not accept the guarantee of payment from the Third Party Administrator, the company cannot be held liable for the same. The cost will then have to be borne by the insured & will be reimbursed by the company / the Third Party Administrator on submission of all required documents. |
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| (d) Reimbursement of all claims by the Third Party Administrator will be in India, in Indian Rupees at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. |
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| 15. |
Claim Documentation : |
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- The original ticket / boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claims form.
- The original bills and vouchers must be submitted along with all claims.
- Bills/vouchers/reports/discharge summary must mention the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show the medicines prescribed. The pharmacy bills must clearly show the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/vouchers/reports must give the details of the tooth treated and the treatment performed. Treatment taken on different dates for separate ailments will be treated as separate claims. The claims form should clearly indicate the same and supporting should be provided for each one. Deductible will apply for each claim separately.
- For reimbursement of the costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death needs to be submitted. Medical statements from relations or spouses will not be accepted. Original bills / receipts of the expenses incurred need to be submitted also. These would be paid as per the usual and customary charges incured for the same.
- For reimbursement of extra expenses of transportation of Insured to the Republic of India, a medical statement from a qualified & registered medical practitioner indicating the cause of illness and the necessity of the transportation needs to be submitted. Medical statements from relations or spouses will not be accepted. Original bills / receipts of the expenses incured need to be submitted also. These would be paid as per the usual and customary charges incured for the same.
- In case of loss of checked-in baggage, a Property Irregularity Report or other report usually issued by the carriers in the event of loss of checked-in baggage will need to be submitted with the claims form. A letter from the airline will also need to be submitted stating the compensation received from them for the lost baggage.
- Adequate proof of ownership of items contained within checked-in baggage valued in excess of the Indian Rupee equivalent of US $ 100 for loss/delay of checked-in baggage will need to be submitted.
- For personal liability, proof of judicial decision rendered by a court of law needs to be submitted.
- For personal accident, bills/ vouchers/ reports/ discharge summary that are submitted, must mention the name of the person treated, the cause of accident, details of the individual items of medical treatment provided and the dates of treatment. Please attach post mortem report if applicable.
- For Study Interruption, on account of death of the Insured's Immediate Family Member, medical reports, statements from treating doctor and an official death certificate with a physician's statement giving the cause of death. Medical statements from relations or spouses will not be accepted. If in case of hospitalisation of insured, medical reports, statement from physician indicating necessacity for same needs to be submitted.
- For Sponsor Protection, on account of death of the Sponsor, an official death certificate and a physician's statement giving the cause of death. All relevant medical and police reports also need to be submitted. Medical statements from relations or spouses will not be accepted.
- For the Bail Bond benefit, the Insured shall forward a copy of the court order stipulating the amount required as Bail Bond.
- For compassionate visit, medical reports and certificates from the doctor confirming the necessacity for the same needs to be submitted.
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