| 8-Overseas Student Travel Insurance - ICICI Lombard General Insurance Company Limited |
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| Source: Website of ICICI Lombard General Insurance Company Limited |
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| 6. |
Termination of the policy at a date earlier than the end date can be done only if the insured returns back to the Republic of India earlier than the end date of the policy. Refund of premium for the days between the arrival date and the end date of the policy will only be given if the same are minimum 30. A cancellation charge will be deducted from the refund premium. Premium refunded will be equal to the amount of premium to be paid for the original policy duration, minus the premium to be paid by taking the arrival date as the new end date. No refunds will be given on policies with claims. |
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| 7. |
The premium payable for the extension of the Policy during the Trip duration shall be the premium payable for the overall trip duration (including the extension) less the initial premium already paid. |
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| 8. |
Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered under the same benefit more than once. |
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| 9. |
The premium payable for the extension of the Policy during the Trip duration shall be the premium payable for the overall trip duration (including the extension) less the initial premium already paid. |
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| 10. |
Professional and semi-professional sportsmen are not eligible to be insured under this policy. |
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| 11. |
Reasonable Precautions : The Insured shall take all reasonable precautions to prevent injury, illness and disease in order to minimize claims. Failure to do so will prejudice the Insured's claim under this Policy. |
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| 12. |
Provision of information : The Insured shall provide the Company with the details of the Trip and other information (as may be required by the Company from time to time) about the insured in advance. |
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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 Email 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 : |
- 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.
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