Overseas Travel Insurance

Foreign travel, be it for a holiday, business or studies is always exciting and you would want nothing to come in the way of your trip. To ensure your travel is exciting and worry free, ICICI Lombard offers Overseas Individual Travel Insurance that covers unexpected and unplanned medical expenses when you are abroad. Besides medical expenses we also offer plans that cover a host of non medical expenses.

We have allied with UnitedHealth Group, one of the largest health care companies in the US to provide our travellers access to UnitedHealthcare's network of hospitals & physicians.

Key Benefits
  • Cashless hospitalisation facility available worldwide
  • Avail of quality health care through our tie-up with UnitedHealth Group (UHC is
    a leading US based healthcare provider)
  • No medical check-up required for policy issuance
  • The insurance also covers medical evacuation costs back to India
  • Pre-existing diseases are covered under life-threatening situations*
  • Coverage available up to 360 days (Original policy for 180 days and extension for
    additional 180 days)
  • Pay Per day: Slab rate for first 7 days only, then pay on a per day basis
  • Extend the policy online in case you extend the trip, pay only for number of days
  • This policy also covers you for hospitalisation in case of Swine Flu / H1N1 influenza, if it
    is not a pre-existing disease
  • Buy Online and pay in EMIs without any extra charges**
* Conditions Apply
** EMI facility available only for ICICI Bank, Citibank and HDFC Bank (up to 6 months) credit card customers at the sole discretion of the Banks.

Note: EMI option subject to minimum annual premium of Rs. 1500.
View Details of Policy Coverage
    For age : 1 year to 70 years For age : 71 to 85 years
Coverage Details Coverage amount Platinum
Annual Multi-Trip Plan Senior Citizen plan
1) Medical Cover* US$ 50,000,
US$ 100,000,
US$ 250,000
71 to 75 years - US$ 50,000 & 76 to 85 years - US$ 25,000
2) Cashless hospitalisation worldwide  
3) Daily allowance for hospitalisation$ US$ 25 (for 5 days) - - -
4) Dental Treatment* US$ 250 -
5) Passport Loss** US$ 200
6) Checked-in Baggage Loss US$ 500
7) Checked-in Baggage Delay+ US$ 100
8) Personal Accident US$ 15,000 US$ 25,000
9) Personal Liability US$ 100,000 US$ 25,000
10) Financial Emergency Assistance US$ 300
11) Hijack Distress Allowance*** (7 days max) US$ 125 per day
12) Trip Cancellation & Interruption* US$ 500 - - -
13) Missed Connection^ US$ 500 - - -
14) Trip Delay*++ US$ 500 - - -
15) Home Insurance #
- Building
- Content
Rs. 2,000,000
Rs. 500,000
- - -
16) Repatriation of Remains US$ 7,000 -
17) 180 days Policy extendable up to 360 days   1 year policy with 30/45 days per trip Senior Citizens Policy can be extended up to a maximum of 180 days.
Scenario 1 : Premium for an individual, aged 35 years, travelling to US for 30 days Insured for US$ 100,000 Rs. 2,455 Rs. 1,714

Rs. 3,548 ++

Scenario 2 : Premium for an individual, aged 65 years, travelling to Germany for 30 days Insured for US$ 100,000 Rs. 3,981 Rs. 2,690

Rs. 9,512 ++

Scenario 3 : Premium for an individual, aged 71 years, travelling to Singapore for 30 days Insured for US$ 50,000 - - - Rs. 3,328
Note: Senior Citizens Policy can be extended up to a maximum of 180 days.
* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
Note: For medical Cover the maximum amount that can be claimed per illness or injury is US$ 100,000. Further sub-limits applicable for persons aged 56 and above.
** Deductible of US$ 50.
*** Beyond 12 hours
# On value - Building insured on reconstruction value, Contents insured on their present market value
$ 2 days deductible - If hospitalisation is for more than 2 consecutive days. This benefit can be availed only once during the policy period
^ Delay of more than 3 Hours
+ 12 hours delay - Applicable if baggage is delayed for more than 12 hours from actual arrival time of common carrier
++ Up to US$ 100 per day, if trip is delayed for more than 6 hours.
 For details, kindly refer to Policy Wordings.

What Do I Do In Case Of A Claim (applicable for Overseas Travel and Student Medical Insurance)
What is not covered in the policy
Medical expenses arising out of:
  • Pre-existing conditions except in case of life-threatening situations
  • Addiction to alcohol, drugs
  • Mental disorder, anxiety, depression
  • Venereal diseases
  • Sexually transmitted diseases, AIDS, HIV
  • Radiation, nuclear weapons induced expenses
  • Sporting activities
  • Expenses arising out of loss of valuables, money, securities and tickets
  • Loss of passport in public places
 For details, kindly refer to Policy Wordings.
A commitment to you
ICICI Lombard General Insurance Company Limited is a 74:26 joint venture between ICICI Bank Limited India's second largest bank, and Fairfax Financial Holdings Limited - a US $ 26 Billion diversified financial services corporate engaged in general insurance, reinsurance,insurance claims management and investment management. Lombard Canada Ltd., a group company of Fairfax Financial Holdings Limited, is one of Canada's oldest property and casualty insurers.

ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. IRDA Reg. No.115 Misc 30