Hospitalization expenses for illness & injury

Reimbursement of expenses incurred in case of hospitalization due to illness contracted or any Injury due to an Accident during the policy period

Outpatient Treatment Expenses for illness & injury

Reimbursement of expenses incurred for Outpatient Treatment due to illness contracted or any Injury due an Accident during the policy period

Pre-existing disease cover

Reimbursement of medical treatment expenses related to treatment of a life threatening medical condition due to a pre-existing condition/disease up to the limit as specified in the policy certificate

Daily Allowance in case of hospitalization

Per day payout on hospitalization due to Illness contracted or any accidental Injury during the policy period

Repatriation of remains

In the unfortunate event of the death of the insured, reimbursement of expenses incurred for transporting the remains of the deceased Insured back to the Country/Place of Residence or for a local burial or cremation in the country/place where death has occurred.

Medical evacuation

Reimbursement of expenses for emergency transportation and evacuation services necessitated due to any Illness contracted or accidental Injury sustained during the policy period.

Dental treatment

Reimbursement of expenses incurred for emergency dental treatment towards relief from sudden acute pain and/or due to an accident during the policy period.

Political risk and Catastrophe evacuation

Reimbursement of expenses incurred for your return to your place of residence or the nearest place of safety in such situations

Loss of checked-in baggage

Pro-rated payout for pieces of baggage permanently lost whilst under the custody of common carrier vis-a-vis pieces of baggage that were checked-in.

Damage to baggage during transit

We shall pay a fixed payout in case of damage to your checked-in baggage(s) while it is entrusted to the Common carrier/Public Carrier

Delay of checked-in baggage

Fixed payout in case the checked-in baggage is delayed beyond the period specified in policy certificate.

Loss of baggage and personal effects

Reimbursement  for loss of your baggage and personal effects due to theft, burglary, larceny, robbery, hold-up or any such similar events during the policy period.

Loss of electronic equipment

Indemnification of cost (after depreciation) of the electronic equipment lost due to theft,  burglary, robbery, larceny, mugging, hold up or any such similar event during the policy period

Personal accident

We shall pay a lump sum payout in case of  death or permanent total disablement or permanent partial disablement of the insured during the policy period

Accidental death and disablement (Common carrier/Public Carrier)

We shall pay a lump sum payout in case of death or disablement of the Insured while mounting, dismounting or travelling in a Common Carrier/Public Carrier during the policy period

Personal liability

Reimbursement of expenses towards payment of legal liability to a third party during the covered trip arising out of accidental death, bodily injury or property damages to third party

Hijack distress compensation

Per day payout payable in the event of an Hijack of the Common Carrier/Public Carrier in which the insured is travelling as a fare paying passenger

Financial emergency cash allowance (Lump Sum)

Lump sum payout in case you are left with no travel funds following an incident of theft, robbery, larceny etc. during the policy period

Trip cancellation

Indemnification for financial loss (travel and accommodation) incurred on cancellation of trip due to unexpected events e.g. sickness, natural calamities, terrorist attack etc.

Frequent flyer points

If the cancelled travel tickets were purchased using frequent flyer points, we will reimburse the amount using the conversion factor used by the particular airlines/reward program service provider

Trip interruption or curtailment

Indemnification for the financial loss incurred in case your trip is interrupted and/or you need to curtail your trip due to unexpected events beyond your control

Common carrier /public carrier delay

We shall pay a fixed payout in case of a delay in departure of the scheduled Common Carrier/Public Carrier

Missed connecting common carrier/ public carrier

We shall reimburse for official cancellation charges and additional cost incurred to proceed with your planned trip in case you fail to access a connecting flight or connecting Common Carrier/Public Carrier due to a delayed arrival of the previous Common Carrier/Public Carrier

Fire and allied perils (Contents)

Indemnification for financial loss or damage due to specific perils at your residence during the policy period

Burglary (Home Contents)

Indemnification for financial loss or damage due to burglary/attempted burglary at your residence while you are on a covered trip

Compassionate visit

Reimbursement of Cost of visit (travel and accommodation) of a family member/friend to the insured’s place of hospitalization for a specified duration if deemed necessary by the treating medical practitioner

Bounced booking of airlines or hotel

Reimbursement of additional expenses incurred for alternative arrangements respectively in the event of bounced booking of the confirmed Common Carrier/Public Carrier and/or confirmed pre-paid accommodation

Loss of passport / international driving license

A fixed benefit amount shall be given to the Insured is he/she loses or damages their original Passport or International Driving License.

Pre-Existing Illness

• “Pre-Existing Illness” shall mean and include any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the first policy issued by the insurer. Complications arising from such pre-existing disease will be considered part of that Pre-existing Illness will not be covered.

SIGNIFICANT EXCLUSIONS

• The Company shall not be liable for the following
• This Policy does not cover (not applicable to policies covering dwellings) a. The first 5% of each and every claim subject to a minimum of Rs.10,000 in respect of each and every loss arising out of ?Act of God perils? such as Lightning, STFI, Subsidence, Landslide and Rock slide covered under the policy b. The first Rs. 10,000 for each and every loss arising out of other perils in respect of which the Customer is indemnified by this policy The Excess shall apply per event per Customer.
• Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.
• Loss, destruction or damage directly or indirectly caused to the property Customer by a. Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel b. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
• Loss, destruction or damage caused to the Customer property by pollution or contamination excluding a. Pollution or contamination which itself results from a peril hereby Customer against. b. Any peril hereby Customer against which itself results from pollution or contamination
• Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs. 10000/-, manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper Money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the policy.
• Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature.
• Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion shall apply only to the particular electrical machine, apparatus, fixture or fitting so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up.
• Expenses necessarily incurred on a. Architects, Surveyors and Consulting Engineer's Fees and b. Debris Removal by the Customer following a loss, destruction or damage to the Property Customer by a Customer peril in excess of 3% and 1% of the claim amount respectively.

Free look period

• A free look period of 15 days from the date of receipt of the Policy is available for reviewing the policy terms and conditions. In case the Policy Holder disagrees to any of the terms or conditions of the Policy, he has the option to return the Policy by giving a written notice to ICICI Lombard or calling on 1800 2666 stating the reasons for his objection. Customer will be entitled to a refund of the premium paid, subject only to a deduction of the expenses incurred by ICICI Lombard on medical examination of the Customer and the stamp duty charges. In case the request for cancellation comes 30 days after the Policy Period start date, pro-rata refund of premium would be paid.

For complete list of coverages and exclusions please refer to the Policy Wordings.