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A comprehensive Travel Insurance policy that covers unexpected medical and non-medical expenses when you are travelling abroad. Avail of benefits like Baggage loss/delay and unique facilities such as Cashless hospitalisation, worldwide. Experience quality health care while in USA with UHC (UnitedHealthcare).
What is travel insurance? Travel insurance is a cover for the risks you might face in your trip, overseas or domestic. Typically, it covers death, personal accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third party liability. top Why do you need travel insurance? One usually travels for two reasons- pleasure or business. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency. top What does a standard travel policy cover? A standard travel policy covers death, personal accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third party liability. top What is the cost of travel insurance? How is the premium determined? The cost of travel insurance depends on a number of factors- your age, the duration of your trip, the country you plan to visit and the benefits included in the plan. top How is the premium charged? The premium is generally charged on a slab basis. There are pre-defined slabs from which you need to select which one you fall into. However, ICICI Lombard charges on the per day basis, thereby enabling you to get a cover for exactly the number of days of your trip.
What are the different types of travel insurance? There are basically three kinds of travel insuranceIndividual Overseas Travel Insurance Student’s Travel Insurance Domestic Travel Insurance top What is Individual Travel Insurance? Individual Overseas Travel covers your trip abroad. In most of the countries, it is mandatory for their visitors to have travel insurance. top What is covered under Individual Travel Insurance? Generally, death, personal accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third party liability are covered under an Individual Travel Policy.
All travel insurance policies carry a ‘Deductible’. repatriation. top What is Student’s Travel Insurance? Student’s Insurance is designed specifically for students going abroad for higher education. study interruption. The Fine Print Read the definitions properly. Usually. In fact. top What is Domestic Travel Insurance? Domestic Travel Insurance takes care of all your insurance needs while you are traveling within the country. Understand what you are covered for and what not. certain Special Conditions are allowed in the travel policies. Give equal importance to Exclusions as to Coverage. personal accident. As far as possible. Know what the various words like family. Gold. top What does Student Travel Insurance cover? Student Travel Insurance cover you against medical and dental expenses. Silver and Bronze plans. Know about the documents you need to submit in case of claims. documents required for a baggage loss would differ from documents required for burglary. Read the fine print carefully. Deductible is the amount you need to pay from your own pocket. Student’s insurance covers all these risks and provides the timely assistance and support against any unexpected expenses. baggage loss and burglary. But while pursuing these dreams emergencies can arise anytime. Know more about our Plus. top What does Domestic Travel Policy cover? Domestic Travel Policy covers personal accident. ICICI Lombard has various plans that you can choose from according to your needs. Know more about our Platinum. E. accident burglary etc mean in the insurance context. have them online so that you can access them anytime. An opportunity to study abroad opens up avenues to a brighter career and future. Find out if your policy offers any and what are they. accidental hospitalization and ambulance charges. ‘Terms and Conditions’ is one of the most important sections of the policy wording. Apart from the scope of coverage also go through the conditions specified for the coverage. Understand what you are covered for. anywhere! Tips for buying a travel insurance policy . The insurer would pay any amount more than that. Gold. usually of $100. passport loss. Silver and Bronze plans. Also be aware of the ‘conditions’ specified for filing of claims.ICICI Lombard offers you an array of products to suit various needs. Always carry your policy wording along with the policy itself. It is as important.g. There are different documents required for different kinds of claims. personal liability. delay/ loss of baggage. bail bond and sponsor protection.
Do get a list of the network hospitals before deciding on your policy. Travel insurance is usually charged on a slab basis. the exclusions on the cover and other product features. So you pay exactly for the number of days you have been away and not more.Take the policy only for the number of days of your trip. Clear out any confusion you might have before buying your policy.Baggage policy changes in major airlines . remember to take the list of region specific toll free contact numbers. you will have to furnish the requisite proof to get compensation. Don't just compare the prices of travel insurance products. While buying a travel policy. Student Insurance Claim Procedure The claim documents required would depend on the nature of claim lodged – health. In case of non-medical claims. At the time of taking a policy. Incase of health cashless claim. passport loss etc. ICICI Lombard offers different plans – Individual Overseas Insurance. burglary. It enables you to access your policy anytime. anywhere and all the details are available in one click. personal liability cover and medical and personal accident cover. baggage loss/delay. You will have to pay the hospital bill and get it reimbursed by your insurer. Always read the policy wordings carefully. The insurers representative would settle the claim directly with the hospital. Also check out for other covers (like terrorism. Be clear on what you are covered for and what not. 1 Page: of 2 All Months All Years ALERT . But ICICI Lombard offers you the pay per day facility. hijack distress allowance etc) available apart from the loss/ damage of baggage/ passport cover. Understand the different policies for different travelers. Give importance to the claims procedure and the cashless hospital network available. Incase of reimburse health claim. look beyond premiums. go to the nearest cashless hospital. Buy policy online. Fill in the claim form and submit it with other documents required. It wastes money and creates confusion that could actually delay payments. However the basic standard procedure is as followsCall the insurer’s help line number. Buying duplicate coverage does not double your benefit. compare also the benefits of the cover.
2008 While traveling to a foreign land.April 20.May 21. . Very few people know that their ATM card could prove to be the best bet. Going for a cruise? Keep these in mind. 2008 Here are a few simple ways to pack. Read on. which if followed will ensure systematic accessibility to your belongings and definite peace of mind.. 2008 Important tips to keep you sailing on a cruise. 2008 Quite a few carriers have made changes to their checked baggage policies. February 16. ATM cards for best exchange rates February 2. Packing tips to ensure hassle free unpacking February 6. 2008 Planning to go abroad this vacation? Here are a few tips. On a world tour Business Standard (Online Edition) ... one of the trickiest money matter is the exchange rate. Here are a few reasons why..
2007 There's nothing more unnerving than losing your luggage with your priceless items in a flight. 2006 Popping ears is a common problem that travellers often face during air-flight (also commonly known as 'airplane ear'. 2006 Fear of flying (Aviophobia) is a fear of air travel.November 27. ICICI Lombard brings you causes and signs of this syndrome and suggested prevention methods. airlines globally spend as much as $1. before you go to the Airport What causes popping ears? . Commercial flight has become an important. On an average. . Fight or Flight? Coping with Fear of Flying July 10.January 2. for many an essential part of life and hence it becomes important to learn to cope right with this fear. How can you prevent baggage losses? ICICI Lombard brings you a few tips how. Although the condition is usually just a minor annoyance. Christmas Special: How to Check-in fast and easy December 13. 2006 Reduce your wait time at the security checkpoint with these simple tips.6 billion a year on mishandled baggage.How to Keep Your Baggage Safe? . airplane ear may result in temporary ear pain and hearing loss.
Travel companion is specially designed to help you deal with situations while overseas travel. passport loss. that one might face like loss of passport or baggage. AIG presence in over 130 countries. There are other difficult situations also. low-cost travel insurance plans for travellers to Asian countries.a pleasure trip or a business trip... Bajaj Allianz's Travel companion is designed to help you deal with such situations while overseas travel. Get a quote More Info Bajaj Allianz General Insurance has introduced two new. Online renewal facility. Having Overseas Travel Insurance protects you from all such perils.Medical treatment abroad can be expensive & one never knows.the best choice for travel insurance. Choice to select out of 5 plans suitable for you. 24x7 Call center for any claims help. when one would require it. international travel involves risk. ISOS for rest of the world. 2006 If you could visit the exotic destinations of the world and feel confident that all areas of possible illness were covered. Tata AIG . Most suitable policy for students traveling overseas.Golden Rules of healthy travel June 6. Why do I need Travel Insurance? One usually travels abroad for two reasons. Choose out of 3 plans. In-house assistance service AIG -Assist in North & South America. Unfortunate events such as baggage loss. But there is a possibility of some unexpected occurrence no matter how perfect the planning is.. a medical emergency or an accident can affect you. 100% reliability and unbeatable up-time record. Bajaj Allianz General Insurance along with ASSIST CARD a Swiss company has launched a co-branded travel insurance product called TRAVEL ASSIST . Travel Guard Student Guard Asia Travel Guard Domestic Travel Guard • • • • Whether you travel for business or pleasure.. International travel involves risk... You do not want anything to ruin your hard earned holiday or your crucial business meeting. Our Products • • • • First to launch on-line travel insurance. .. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency..
a cluster of benefits policy made for the specific customer group. Get a quote More Info Travelling has become very frequent be it for business or leisure.... ...Schengen Reliance Travel Care Insurance Policy for Individuals and Families Reliance Travel Care Insurance Policy .The risk of accidents increase due to freqency of travel. Get a quote More Info An exclusive policy for high end travellers called Travel Elite.A special package for overseas travelers traveling to gulf countries with special rates by Bajaj Allianz. Get a quote More Info reliance Reliance Travel Care Insurance Policy .Asia Reliance Pravasi Bhartiya Bima Yojana Insurance Policy Reliance Travel Care Insurance Policy for Students Reliance Pravasi Bhartiya Bima Yojana Insurance Policy .
It can be extended to cover the Insured's family members. we present the Reliance Pravasi Bhartiya Bima Yojana Insurance policy. while he/she is abroad.Features Policy Coverage Features Exclusions FAQs With the advent of globalization and liberalization. Key Benefits Unique policy offering exhaustive coverage against different risks that emigrant Indians are exposed to Reimburses expenses towards hospitalization of the Insured in his/her country of employment and in India Medical expenses extension available for family members of the Insured residing in India Covers maternity expenses of women emigrants Reimburses expenses incurred for traveling back to India on grounds of the Insured being permanent disabled or adjudged to be medically unfit to continue employment Provides for reimbursement of legal expenses in a litigation relating to the Insured's employment Reimbursement of expenses related to covered contingencies can be claimed from country of employment or while in India Optional additional Personal Accident cover Next Steps Policy Coverage The Reliance Pravasi Bharatiya Bima Yojana Insurance Policy provides the following covers: Personal Accident Compensation for accidental bodily injury resulting in death or permanent total disablement of the Insured Person. In order to help cover such contingencies. residing in India Provides for reimbursement of expenses incurred for repatriation of the mortal remains in the event of accidental death of the Insured Person whilst abroad It provides for reimbursement of transportation expenses to India on account of ○ ○ ○ Permanent total disability of the Insured Person following an accident The Insured Person falling sick or being declared medically unfit to continue working It provides for reimbursement of repatriation / transportation expenses to India in the event of termination of contract of employment of Insured Person Hospitalisation . But at the same time they are exposed to several perils like illness. every day. This policy is specially designed for emigrant Indians who are abroad on a valid visa for purposes of employment. thousands of Indians are crossing new frontiers and taking up new challenges in different parts of the world. accidents and various other misfortunes.
The Policy also covers maternity expenses for a female Insured Person incurred in a Hospital/Nursing home in her country of employment or in India. Next Steps To Buy Policy Contact Call Center Exclusions The policy does not cover any expenses or compensation related to 1. death/disablement of the Insured Person arising out of intentional self-injury. work permit or improper entry visa . Reimbursement of legal expenses of legal expenses incurred by the Insured Person in any litigation relating to his/her employment. 4. or any breach of employment conditions 2. or proclamation by Government Order that all workers of foreign origin are being deported 3. Hospitalization. whilst abroad. Hospitalisation. if the repatriation of the Insured Person is on account of violation of any law. suicide or attempted suicide 2. due to any disease contracted or illness suffered or bodily injury sustained due to accident by the Insured Person. the employment is obtained through fake or forged documents. death/disablement due to the Insured Person being under the influence of intoxicating liquor or drugs or committing any breach of law 3. 5. hearing aids etc External Medical Equipment of any kind used at home as post hospitalization care The Policy also shall not pay: 1. 6. death/disablement due to war and nuclear perils Pre-existing diseases / illness/ injury Cost of spectacles and contact lenses.It provides reimbursement of Hospitalization expenses incurred by the Insured Person in the country of his/her employment or in India. such repatriation becomes necessary due to any amendment or change in the existing laws of the country of employment. fraud.
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