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v. Riot, Strike and Malicious Damage PROVIDED that the liability of the Company shall in no case exceed in respect of each
item the Sum expressed in the said Schedule to be Insured thereon or in the whole the
Loss of or visible physical damage or destruction by external violent means directly
total Sum Insured hereby or such other Sum or sums as may be substituted therefore
caused to the property Insured but excluding those caused by
by memorandum hereon or attached hereto signed by or on behalf of the Company.
• Total or partial cessation of work or the retardation or interruption or cessation of
2.10.2 (A) GENERAL EXCLUSIONS
any process or operations or omissions of any kind.
i. Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities
• Permanent or temporary dispossession resulting from confiscation,
or war like operations (whether war be declared or not), civil war, mutiny, civil
commandeering, requisition or destruction by order of the Government or any
commotion assuming the proportions of or amounting to a popular rising, military
lawfully constituted Authority.
rising, rebellion, revolution, insurrection or military or usurped power.
• Permanent or temporary dispossession of any building or plant or unit of
ii. Loss, destruction or damage directly or indirectly caused to the Property Insured by
machinery resulting from the unlawful occupation by any person of such building
or plant or unit or machinery or prevention of access to the same. • Ionizing radiations or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel
• Burglary, housebreaking, theft, larceny or any such attempt or any omission of
any kind of any person (whether or not such act is committed in the course of a • The radio active, toxic, explosive or other hazardous properties of any explosive
disturbance of public peace) in any malicious act. nuclear assembly or nuclear component thereof
• If the Company alleges that the loss/ damage is not caused by any malicious act, iii. Loss, destruction or damage caused to the Property Insured by pollution or
the burden of proving the contrary shall be upon the Insured. contamination excluding
Terrorism Damage Exclusion Warranty • Pollution or contamination which itself results from a peril hereby Insured
against.
Notwithstanding any provision to the contrary within this insurance it is agreed that
this insurance excludes loss, damage cost or expense of whatsoever nature directly or • Any peril hereby Insured against which itself results from pollution or
indirectly caused by, resulting from or in connection with any act of terrorism contamination.
regardless of any other cause or event contributing concurrently or in any other iv. Loss, destruction or damage to bullion or unset precious stones, any curios or works of
2.16.1 Scope of Cover v. Cancellation or rescheduling of flights done at the instance of the Common Carrier.
In event of the Insured being Hospitalized consequent upon any Injury sustained and/ or vi. Lost or stolen passport or travel documents.
Illness contracted at any place being part of the Trip covered hereunder and such Provided that no sum shall be payable by the Company for any delay arising due to perils
Hospitalisation shall in the opinion of the Medical Practitioner attending on the Insured named herein above in relation to the port of origin should the place of origin also be the
extend beyond a period of 5 days, the Company shall pay the sum as specified in the Policy Country of Residence of the Insured as specified in the Policy . Also provided that the
Schedule per day or part thereof for special assistance rendered to the Insured during the Company's liability under this cover shall be limited to only one delay encountered by the
period of Hospitalisation by any person of the Family or near relatives. Insured during the entire Period of Insurance and will be subject to the Deductible amount
Provided that: as mentioned against this Benefit in the Policy Schedule.
i. The Hospitalisation has been advised by the Medical Practitioner attending on the 2.17.2 EXCLUSIONS APPLICABLE TO BENEFIT 17 - EMERGENCY HOTEL EXTENSION
Insured and such Hospitalisation is admitted under Benefit 1 - Medical Expenses No claim shall be payable by the Company in case of delay
Cover of this Policy; and i. Arising out of contingencies other than specifically named herein above.
ii. The need of such assistance is essential in the opinion of the Medical Practitioner ii. Arising out of any government regulation or prohibition.
attending on the Insured and recommended by him/ her accordingly. 2.17.3 TERMS AND CONDITIONS APPLICABLE TO BENEFIT 17 - EMERGENCY HOTEL
The Company shall also reimburse the cost of the economy class air ticket incurred by the EXTENSION
person rendering such special assistance from and to the place of origin of such person or i. On the happening of any contingency as stated above, resulting in the Insured's
the place of residence of the person. decision to delay the departure, immediate notice thereof shall be given to the
Provided that the daily allowance shall not be payable by the Company for the period spent Company.
by the person rendering the special assistance for travel to and from the Hospital. ii. The Insured shall endeavor to prosecute the journey as soon as possible so as to
The Company's liability under this Benefit, however, shall in respect of any one event or all minimize the delay arising out of the contingency.
events of Hospitalisation during the Period of Insurances shall not in total exceed the Sum 2.17.4 CLAIMS PROCEDURE: SPECIAL CLAIMS PROVISIONS APPLICABLE TO
Insured as specified in the Policy Schedule. BENEFIT 17 - EMERGENCY HOTEL EXTENSION
2.16.2 TERMS & CONDITIONS APPLICABLE TO BENEFIT 16 - COMPASSIONATE VISIT In the event of an unexpected delay in departure by the Insured occurring either from the
i. The Insured shall as far as possible seek for such special assistance from any one of port of origin or from any other port of departure for travel being part of the Trip covered
his/ her relatives, either at the place of Hospitalisation or any other nearest place. hereunder, the Insured shall immediately inform the Assistance Service Provider of the
ii. It is a condition precedent to the Company's liability hereunder that the need for such Company furnishing circumstances and the details of the delay.
a special assistance and consequent visit of any one of the Family or relative from a The Insured shall undertake to refund any amount received from the Common Carrier
particular place is also approved by the Assistance Service Provider before any one of towards emergency hotel accommodation, if any such payment shall be received by the
the Family or near relatives undertakes the Trip. Insured after settlement of the claim by the Company.
2.16.3 CLAIMS PROCEDURE Documents to be submitted in support of the claim:
Claims provisions applicable to Benefit 16 - Compassionate Visit Duly completed claims form to be supported by:
In event of the Insured sustaining an Injury and/ or contracting an Illness requiring i. Receipt for the amount paid to the hotel or guest house or any other accommodation
Hospitalisation in the opinion of the Medical Practitioner and further in the opinion of such provider for a fee for the charges per day paid towards accommodation.
Medical Practitioner continuous presence in the form of special assistance is required to be ii. Evidence as may be required by the Assistance Service Provider in case the delay is
rendered to the Insured during the period of Hospitalisation by any of the members of the caused by Earthquake, Floods resulting from unseasonal rains, storm or cyclone or
Family or near relative, immediate notice shall be given and approval obtained from the Terrorism.
Assistance Service Provider by the Insured before requisitioning such special assistance.
iii. Medical certificate furnishing details of date of admission and date of discharge
The Insured shall endeavor wherever possible to requisition such a special assistance from
The updated details of Insurance Ombudsman are also available on IRDA website:
www.irdaindia.org on the website of Office of the Executive Council of Insurers (formerly
GBIC): www.ecoi.co.in , website of the company www.icicilombard.com or from any of
Our offices.
Mailing Address: ICICI Lombard General Insurance Company Limited, Interface Building No.11, 401/402 4th Floor, New Link Road Malad (W), Mumbai - 400 064.
Corporate Address : ICICI Lombard General Insurance Company Limited,
ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025.
• Visit us at www.icicilombard.com • Mail us at customersupport@icicilombard.com
• Toll Free No.: 1800 2666 • Alternate No.: +91 92236 22666 (Chargeable)
013511PW-SC
ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of the solicitation.
IRDA Reg. No. 115. UIN ICITIOP02002V020102, CIN L67200MH2000PLC129408, Misc 129
For more details on claims please visit : www.falck.com