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International Travel Insurance Travel Hassle-free.

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Presentation on theme: "International Travel Insurance Travel Hassle-free."— Presentation transcript:

1 International Travel Insurance Travel Hassle-free

2 Presentation Path What is Travel Insurance ? Need for Travel Insurance Why IL Travel Insurance International Travel Insurance Claims Overview

3 What is Travel Insurance ? International Travel insurance covers travellers for unexpected medical expenses when they are overseas While the core offer is coverage of medical expenses, there are several non medical covers Checked Baggage loss or delay Value Added Services for dependents in India Financial emergency money (given to the insured when abroad when there is loss of personal belongings) Third party liability, Personal Accident etc

4 Eligibility & Policy Duration Available for all ages between 3 months – 70 years and senior citizens between 71 to 85 years Cover trips from as short as 1 day to max of 360 days Coverage for 180 days which can be extended for a further period of 180 days, provided there is no claim

5 Comprehensive Plans PLATINUM PLAN - 25 comprehensive coverages -Provides Value Added Services - Without Sub-limit A Note - All these can be take either for a worldwide coverage or excluding USA & Canada (except Multi-trip and Asia plan) ASIA PLAN -Specially designed for customers travelling nearby countries MULTI-TRIP PLAN -For frequent Travellers - Valid for 1 year - 30, 45 & 60 days as max. duration SILVER PLAN - Medical cover for basic needs GOLD PLAN - Economical plan with host of benefits Senior Citizen Plan -Specially designed for customers in age band 71-85 yrs

6 International Travel Insurance Plans BenefitsCoverage Amount Platinu m Gold Silve r Asia Medical Cover (includes medical evacuation cost)* USD 50,000, USD 1,00,000, USD 2,50,000 USD 5,00,000 USD 50,000 USD 25000 Repatriation of Remains (Including in medical Sum Insured) USD 7,500 Daily Allowance In Case of Hospitalization (franchise of 2 days) Up to US$ 50 per day for maximum of 5 days Dental TreatmentUSD 300 Total Loss of Checked in BaggageUSD 500 Delay of Checked in BaggageUSD 100 Loss of PassportUSD 300 Personal LiabilityUSD 100,000 Personal AccidentUSD 15000

7 International Travel Insurance Plans (Contd.) BenefitsCoverage AmountPlatinumGoldSilverAsia Hijack Distress AllowanceUS$ 125 per day for max. 7 days Emergency Cash AdvanceUSD 1000 Trip Cancellation & InterruptionUSD 500 Missed Flight ConnectionUSD 500 Trip DelayUSD 500 Political Risk and Catastrophe Evacuation USD 7500 Accidental Death (Common Carrier) USD 5000 Fire Cover for BuildingINR 2000000 Fire Cover for ContentsINR 1000000 Burglary Cover for Home Contents INR 1000000 Bounced Booking – Hotel / AirlineUSD 2000 Compassionate VisitUS$ 7,500 Emergency Hotel ExtensionUSD 5000 Loss of Baggage and Personal Effects USD 2000 Return of Minor Children) Travel cost at actual not exceeding US$ 7,500 Value Added Services

8 Multi-Trip Plan MAX TRIP DURATIONAGE YRS.US$ 100,000US$ 250,000US$ 500,000 30 3months-50 5,368 6,615 9,176 51-60 6,919 8,608 12,407 61-70 9,959 12,412 18,629 45 3months-50 6,422 7,908 11,257 51-60 8,239 10,353 14,455 61-70 12,111 15,073 22,065 60 3months-50 7,183 8,846 12,712 51-60 9,205 11,617 16,128 61-70 14,137 17,589 25,397 All Prices Include Service Tax @12.36% Worldwide Plan with Gold Benefits

9 Senior Citizen Plan BenefitsSum InsuredDeductibles in US $ Medical Cover (includes medical evacuation cost)* USD 50,000 US$ 100 (Total amount applicable for Medical Expenses along with the applicable extensions under Medical Expenses) Repatriation of Remains (Including in medical Sum Insured) USD 7,500NA Total Loss of Checked in BaggageUSD 500NA Delay of Checked in BaggageUSD 1006 hours Loss of PassportUSD 300USD 50 Personal LiabilityUSD 100,0005% of Actual Personal AccidentUSD 2500NA Hijack Distress Allowance US$ 125 per day for max. 7 days 12 hours Emergency Cash AdvanceUSD 1000NA Trip Cancellation & InterruptionUSD 500NA Missed Flight ConnectionUSD 5003 hours Trip DelayUSD 5006 hours Political Risk and Catastrophe EvacuationUSD 7500NA

10 Medical Cover Medical Covers Medical Cover Pre-Existing Disease Covered under emergency Dental Treatment Daily Allowance In Case of Hospitalization Personal Accident USD 25000 to USD 500000 100 % of medical cover USD 300 USD 50 per day USD 15000 Coverages Sum Insured Deductible s USD 100 - - - - - -

11 Benefit 1- Medical Cover ( Includes Medical Evacuation) We pay the customer for reasonable medical expenses incurred for treatments during the trip Benefit 2: Dental Treatment Medical Expenses are reimbursed incurred by the customer in connection with treatment for any Injury or Illness to his/her natural tooth or teeth during the Trip Benefit 3: Daily Allowance In Case Of Hospitalisation The customer will be paid a daily compensation in case hospitalization is for a period of more than 2 consecutive days. Benefit 4 : Personal Accident We compensate in case of death or total or partial permanent disability arising any time during the Period of Insurance. Coverages In Detail

12 Coverage In Detail Sub-Limit A For policies with medical expenses sum insured over US$ 100,000,the limit of liability of the company will be restricted to US$ 100,000 per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/or hospitalization expenses Sub-Limit B For person aged 51 years and above, the maximum eligible medical expense per sickness, disease or accident contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses, are as follows: Hospital room, board and hospital miscellaneous expenses - US$ 1,800 per day up to 30 days. ICU - Max. US$ 3,250 per day up to seven days Surgical treatment - Max. up to US$ 15,000 Anesthetist services - Up to 25% of surgical treatment Physicians visit - Max. US$ 100 per day up to 10 visits Diagnostic and pre-admission testing - Max. US$ 1000 Ambulance services - Max. up to US$ 500 Misc expenses – Max of US $ 2000 (For Platinum plan only Sub Limit B is applicable, rest all plans both the limits are applicable )

13 Trip Related Benefits Trip Related Covers Total Loss of Checked in Baggage Delay of Checked in Baggage Loss of Passport Trip Cancellation & Interruption Missed Flight Connection Loss of Baggage and Personal Effects Coverages USD 500 USD 100 USD 300 USD 500 USD 2000 Sum Insured Deductibles - - 6 hours USD 50 - - 3 hours USD 100 Trip Delay USD 500 6 hours

14 Benefit 1 : Total Loss Of Checked in Baggage This covers the compensation for permanent loss of checked-in baggage based on the market value of the contents as on the expected arrival date Benefit 2 : Delay of Checked in Baggage We pay a fixed sum in case the customer encounters a delay in receipt of his /her checked in baggage beyond the specified period Benefit 3 : Loss Of Passport It covers expenses incurred in obtaining duplicate passport Benefit 4 : Trip Cancellation and Interruption Any financial loss incurred by the insured out of the cancellation of the trip arising out of earthquake,storm,flood terrorism and other mentioned perils, death of immediate family member,etc will be indemnified Coverages In Detail

15 Benefit 5 : Missed (Flight) Connections In case of failure of the insured to access the connecting flight, arising out of and consequent upon delayed arrival of the earlier flight, the company will pay a fixed amount. Benefit 6 : Loss of Baggage and Personal Effects Compensation will be given for loss of checked in baggage occurring anytime after the delivery of the baggage taken from common carrier (including while he is travelling in the rented vehicle) Benefit 7 : Trip Delay If the departure of the insured gets delayed at the place of origin or intermediary port arising out of earthquake, floods & terrorism, specified sum will be paid Coverages In Detail

16 Emergency Covers Accidental Death ( Common Carrier) Personal Liability Emergency Cash Advance Bounced Booking – Hotel / Airline Emergency Hotel Extension Return of Minor Child(ren) Compassionate Visit Hijack Distress Allowance Repatriation of Remains Coverages USD 5000 USD 100,000 USD 100,000 USD 1000 USD 2000 USD 5000 USD 7500 Sum Insured Deductibles - - 6 hours USD 50 - - 3 hours USD 100 USD 7500 6 hours USD 125 per day for 5 days USD 7500 - - - - Political Risk & Catastrophe Evacuation USD 7500 USD 500

17 Benefit 1 : Accidental Death We pay the nominee or legal heir of the customer an amount of $5000 in case the customer meets with death arising out of and consequent upon an Injury encountered during the Period of Insurance. Benefit 2 : Personal Liability This cover indemnifies the insured against any bodily injury or property damage to third parties on account of an accident occurring whilst on a trip Benefit 3 : Emergency Cash Advance We will provide an assistance service in case of emergency cash requirement, the assistance service provider co-ordinates with the insured persons relative back in country to provide emergency cash assistance Benefit 4 : Bounced Booking Of Airlines and Hotel Customer will be reimbursed the actual additional expenses incurred for alternative flight arrangements or for alternative accommodation in case of bouncing of confirmed accommodation booking or at sole instance of the common carrier Coverages In Detail

18 Benefit 5 – Emergency Hotel Extension If the departure of the Insured is delayed at the place of origin or at any intermediate port due to earthquake, flood & terrorism the additional expenses for lodging & boarding is paid. Benefit 6 – Return of Minor Child / Children In an unfortunate event of the death of the insured while abroad, the cost of the economy class air ticket will be reimbursed for sending the unattended minor children. Benefit 7 - Compassionate Visit We will render special assistance services to the insured during the Period of hospitalization by any person of the family or relatives Benefit 8: Hijack Distress Compensation Compensation at the rate per day will be payable incase the common carrier in which the insured is travelling as a passenger is held as captive by the hijackers Benefit 9 : Political Risk and Catastrophe Evacuation Expenses If any kind of catastrophe (fire, flood, earthquake, storm, lightning, explosion, hurricane or epidemic due to contagious disease) occurs in the country which requires immediate evacuation, we will incur the cost of economy class air ticket to country of residence of nearest place of safety Coverages In Detail

19 Value Added Services With ICICI Lombard Travel Insurance feel secure because your loved ones back home enjoy a bundle of concierge services 1) Medical Concierge Services for dependents in India Telephone Medical Information Medical Service Provider Referral Appointments with Local Doctors for Treatment Home Nursing Care Assistance Monitoring assistance Evacuation / Repatriation Services 2) Automotive Assistance Services for dependents in India Minor on the spot repair Breakdown Services & Towing Flat tyre service Battery Service / Jumpstart

20 3) Lifestyle Services for dependents in India Gift/Flowers Delivery Assistance Dining Referral and Reservation Assistance Business Services Special Events and Performance Assistance Home Movers Assistance Plumbing Assistance Electrical Assistance Pest Control Assistance Home Cleaning Assistance Electrical Gadget Repair Assistance * Applicable to selective plans For the above mentioned services, the liability of the Company would always remain limited to providing with assistance in terms of arranging the above mentioned services. All charges towards such services would be borne by the Insured Person. Value Added Services Contd.

21 Claims Process – ICICI Lombard Tie-up with Europ Assistance (ASP) Reimbursement & Cashless settlement for medical emergencies abroad Financial emergency is given abroad by the ASP Tie-up with UHG Allied with United Health Group (UHG), one of the largest health care companies in the U.S. Provides access to UHG network of hospitals & physicians, Constitutes access to about 86% of acute care hospitals, ~4,800 medical facilities, OPD centers and ~60,000 pharmacies throughout the U.S. All our customers traveling to the U.S now receive a co-branded card as a part of the policy

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23 Claim Process Customer has to inform the ASP in the event of any claim, whether assistance is needed or not Cashless settlement will be offered for medical cases only after examining the details of the case Financial emergency is given abroad by the ASP, once approved by them All other claims reimbursed only in India, in Indian Rupees Claims reimbursed within 15 days of receipt of documents

24 Tie-up with UHG Allied with United Health Group (UHG), one of the largest health care companies in the U.S.A. Provides access to UHG network of hospitals & physicians, constitutes access to about 86% of acute care hospitals, 4,800 medical facilities, OPD centers and 60,000 pharmacies throughout the U.S.A. All our customers traveling to the U.S.A. now receive a co-branded card as a part of the policy For claim registration by the customer from USA :- 1 877 352 7706 (toll free) Canada: +1 877 352 7693 (toll free) Rest of the world: + 91 22 6787 2010(Call Back Facility) In India :- 1800 209 8889(Toll Free and Accessible in India only) Fax No - +91 22 6734 7888 Email – europ-assistance@icicilombard.in

25 Tie-up with UHG (contd…) The UHC Card is a part of the policy print in all travel policies. No separate UHC card is sent to the customer The customer has to call up the TPA no. while in the US for all forms of assistance and claims. The UHC card is to validate the customer at the UHC network hospital UHC card is given with all Worldwide policies except immigrant policies. Coverage limited to US only In the UCV you will be able to view the policy along with the card print

26 UHG Card

27 FAQs 1. Where can I find out more about the policy coverages? Please refer to the policy wordings for complete coverage details. 2. Can more than ONE policy be issued for the same trip? Each individual is to be insured by not more than one policy during their journey. 3. Are 'business travelers' eligible to purchase a Travel Insurance policy? Yes. Our travel insurance is designed for both leisure and business travelers. Business travelers who visit abroad frequently can be pitched with Multi trip plans. 4. When does cover begin and end? You are covered from the date of your trip start date. These will be confirmed on your policy schedule once the policy is purchased. 5. Is there any exclusion to the policy? Yes. Some exclusions and conditions are specific to individual sections and General exclusions and conditions apply to the policy overall. Please read the policy wording carefully to ensure you have the cover you need. 6. What is the maximum trip length? International travel cover can be purchased for trips up to 180 days, extended for another 360 days depending on the claim status.

28 FAQs 7. If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance? Yes, we refund part of your premium if no claim has been made on any part of your policy 8. From where can customer access the list of hospitals? Rest of the World: The customers need to be directed to our TPA – EAI for the details regarding network hospitals. EAI phone number: 022-67872010 For network hospital list in the US: Go to the link: https://www.providerlookuponline.com/UHC/po7/Results.aspxhttps://www.providerlookuponline.com/UHC/po7/Results.aspx Under plan select : United Healthcare Options PPO 9. How should I raise the request for policy cancellation, extension, endorsement for travel insurance? Please raise a request in Samadhan in Travel Queries << Travel Process << Travel Cancellation/Travel Endorsement/Travel Extension/Travel Queries/Others 10. What is the duration of the policy we can issue on an immigrant Visa? Maximum duration is 60 days 11. Is it mandatory for the customer to be in India while international travel policy issuance? Yes

29 FAQs 12. Can we sell travel insurance policy to customers flying to any country? We do not issue travel insurance policy to customers visiting Pakistan, Afghanistan & Cuba.

30 Thank you


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