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Travel Insurance
Travelling abroad can be an exciting adventure, but no matter how much you prepare, things don’t always go according to plan. Travel at ease with two different travel Insurance solutions underwritten by ICICI Lombard General Insurance to choose from.
Single Trip Insurance
Be it a last minute meeting or a long-awaited holiday, now enjoy your trip with a plan that covers you against perils through a one time travel across destinations
Multi Trip Insurance
A comprehensive 12 month cover offering protection to leisure and business travellers
The American Express Advantage
- Avail Doctor Consultation Services via chat - anytime, anywhere
- Dedicated claims and servicing helpline
- Priority Claim processing
Key Features
- Single Trip Plan – Pay only for the number of days you travel
- High covers of up to USD 500,000
- Instant policy issuance
- Cashless claim settlement worldwide with global medical network of preferred hospitals
- Choose from a variety of add-on coverages like pet care, legal expenses etc.
- No health checkups required
The American Express Advantage
- Avail Doctor Consultation Services via chat - anytime, anywhere
- Dedicated claims and servicing helpline No. 1800 103 5243
- Priority Claim processing
Other Benefits
- Concierge services for your dependent's back home
- Domestic coverages - Loss/damage to Home and Contents during your trip abroad
- Coverage for legal expenses arising due to death/disablement whilst your trip abroad
Product Summary
Inclusions
- All the medical expenses also include returning to India and evacuation in case of medical emergencies.Death, permanent total disability and permanent partial disability due to accident.Additional benefit in the event of an accidental death or permanent total disability, if traveling in a common carrier.
- Reimbursement of the actual expenses paid by you for loss of passport, traveler cheques, tickets or documents.
- Benefits for loss or delay of checked-in baggage.
- Refund of the expenses in case of trip delay or cancellation.
- Loss due to burglary or fire at your home in India while you are traveling abroad.
Exclusions
- Pre-existing diseases are not covered unless under it becomes a life threating situation.
- Cosmetic surgery, unless the surgery is medically necessary as part of treatment for accidents or burns while traveling.
- Injuries due to hazardous activity or sports.
- Loss due to terrorist activities.
- Partial loss of items in checked-in baggage.
- Loss of passport if it is left unattended in public and not reported to police within 24 hours.
Eligibility Criteria
- The applicant should be a basic Cardmember/family member of basic Cardmember of American Express
- Trip Duration: 2 days – 182 days (extendable up to 356 days)
- Age :
- Non – Schengen Plan: 3 months – 85 years
- Schengen Plan: 3 months – 85 years
- Non – Schengen Plan: 3 months – 85 years
Medical Expenses (inclusive of repatriation and emergency medical evacuation)
This cover will reimburse for the expenses incurred for availing immediate medical assistance required on account of any illness or injury sustained or contracted whilst on a trip abroad but not exceeding the Sum Insured for the coverage as agreed under the Plan.
Dental Care Expenses
This cover will reimburse for the expenses incurred in respect acute anesthetic treatment of a natural tooth or teeth during a trip, but not exceeding the Sum Insured as specified in the policy wordings.
Compassionate Visit
In case the insured person is hospitalized for more than seven consecutive days then he can claim for the below mentioned expenses:
- A return trip economy class air ticket, or first class railway ticket, to allow one immediate family member, to be at his/ her bedside for the duration of stay in the Hospital; and Expenses towards stay of the immediate family member during such compassionate visit
This section also provides for the reimbursement of the cost of return fare for the insured to visit his/her native place in India, in the unfortunate event of the immediate family member (spouse, dependent children, parents) being hospitalized for more than seven consecutive days in India or in the event of death of the immediate family member (spouse, dependent children
or parents).
Personal Accident
This cover shall compensate the Insured or his/her nominee or legal representatives, as the case may be, for accidental bodily injury (whilst on a trip covered by this Policy) solely and directly caused by accidental, violent, external and visible means resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 calendar months of occurrence of such injury.
Accidental Death and Permanent Total Disablement
This cover will pay compensation up to the limit of the Sum Insured for this benefit as specified in the policy wordings if accidental injury to the Insured results in loss of life or permanent total disablement while riding as a passenger (but not as a pilot operator or member of the crew) in a common carrier.
Daily Allowances in case of Hospitalization
Trip Delay
Re-imbursement of additional expenses incurred if your trip is delayed for more than specified number of hours, as mentioned in the Policy Wordings, due to airline problems, medical problems, personal employment problems or natural disasters.
Missed Connection
Provides payment of a fixed allowance towards additional expenses incurred in case of the Insured missing the connecting flight due to cancellation of incoming scheduled flight, beyond 3 hours in the event of inclement weather causing such cancellation.
Loss of Passport/Document
Provides reimbursement of actual expenses incurred for obtaining a duplicate or fresh passport, traveler’s cheque or other such documents in the event of its loss.
Total Loss of checked - in Baggage
Covers total loss of checked baggage caused by a common carrier (i.e. airline, coach operator, Ferry Company etc.) Valuables, if any, can also be covered if declared specifically and agreed to by the Insurer.
Delay of checked - in Baggage
This add-on covers the medical expenses arising due to accident while driving up to Rs 10,000 for you and the passengers traveling in the car.
Trip Cancellation and Interruption
This cover shall compensate the Insured, subject to limit of sum Insured, if a trip is cancelled or interrupted due to any of the following reasons:
- Unforeseen disease, illness, injury, or death of the Insured’s family member. Disease, injury or illness must be so disabling as to reasonably cause a trip to be cancelled or interrupted as supported by medical records and opinion acceptable to the Company
- Termination of employment or layoff affecting the Insured or the travelling companion of the Insured, provided that the Insured or the travelling companion, as the case may be, have been employed with the employer for at least three continuous years
- Inclement weather conditions causing cancellation or interruption of the trip with due authentication by a letter from the common carrier
- The place intended to be occupied by the Insured/ Insured Person for purposes of his or her stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or such natural disaster
- The insured being abducted or quarantined
- The Insured or a travelling companion being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured/ Insured Person (including any member of their family) or the travelling companion (including any member of travelling companion's family) is/are not principal or accessory in such felonious assault
Home Fire Insurance – Content
This cover provides for indemnity, against any loss, destruction or damage to the contents of the Insured's home in India caused by any of the fire and related perils specified hereunder whilst the Insured is on a trip abroad covered up to a specified limit as mentioned in the policy wordings.
Home Burglary Insurance – Content
This cover provides for indemnity, against any loss, destruction or damage to the contents of the Insured's home in India caused by burglary and/or housebreaking specified hereunder whilst the Insured is on a trip abroad covered up to a specified limit as mentioned in the policy wordings.
Hijack Distress Allowance
This cover provides for payment of an allowance in the event of hijack of a common carrier in which the Insured/ Insured Person is traveling on a trip covered under this Policy as specified in the policy wordings.
Personal Liability
Provides compensation for third party liability payable to a third party in case of injury or damage to property of third party that is caused by insured.
Loss of Deposit or cancellation – Hotel and Airline
This cover will compensate the insured against the loss of irrevocable deposits or charges paid in advance or contracted to be paid in the event of necessary and unavoidable cancellation of Hotel and Airline booking arrangement which is beyond the control of the Insured up to a specified limit
as mentioned in the policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.
Overbooked Flight
This cover will reimburse for the expenses made by the insured for the purchase of new ticket or hotel booking up to a specified limit as mentioned in the policy wordings if the insured is denied boarding of an aircraft on a commercial scheduled flight due to over-booking, and no alternative transportation is made available within 12 hours of the scheduled departure time of such flight. This cover is only applicable for USD 300,000 and USD 500,000.
Legal Expenses
This cover shall pay the legal costs and expenses incurred by the insured or the legal representative of the insured, as the case may be, towards claims for from third parties for compensation for accidental death or disablement arising due to an injury, whilst on a trip abroad, up to the limits specified in the Policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.
Pet Care
This cover provides for payment of medical expenses including fees for the Veterinary Medical Practitioner's fees towards the medical care and treatment of the pet animal (limited to cat or dog) of the insured arising due to an injury sustained whilst under the care of a friend, relative, house servant, other family members of the house or a professional carrier in India during the insured's trip abroad, covered under this Policy. This cover is only applicable for USD 300,000 and USD 500,000.
Emergency Accommodation
This cover provides for payment of compensation for the additional cost of emergency accommodation if the Insured/Insured Person could not stay in the accommodation originally booked due to fire, flood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases. This cover is only applicable for USD 300,000 and USD 500,000.
Bail Bond
This cover will provide the payment of bail amount to the appropriate authority/court on behalf of the Insured/ Insured Person if the Insured/ Insured Person is arrested or detained by Police or Judicial authorities, for any bailable offence whilst on a trip abroad covered by this policy up to the limits specified in the policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.
Key Features
- Valid globally over multiple trips
- High covers of up to USD 500,000
- Instant policy issuance
- Cashless claim settlement worldwide with global medical network of preferred hospitals
- Choose from a variety of add-on coverages like pet care, legal expenses etc.
- No health checkups required up to 70 years of age
The American Express Advantage
- Avail Doctor Consultation Services via chat - anytime, anywhere
- Dedicated claims and servicing helpline No. 1800 103 5243
- Priority Claim processing
Other Benefits
- Concierge services for your dependents back home
- Domestic coverages : Loss/damage to Home and Contents during your trip abroad
- Coverage for legal expenses arising due to death/disablement whilst your trip abroad
Product Summary
Inclusions
- All the medical expenses also include returning to India and evacuation in case of medical emergencies.Death, permanent total disability and permanent partial disability due to accident.Additional benefit in the event of an accidental death or permanent total disability, if traveling in a common carrier
- Reimbursement of the actual expenses paid by you for loss of passport, traveler cheques, tickets or documents.
- Benefits for loss or delay of checked-in baggage.
- Refund of the expenses in case of trip delay or cancellation.
- Loss due to burglary or fire at your home in India while you are traveling abroad.
Exclusions
- Pre-existing diseases are not covered unless under it becomes a life threating situation.
- Cosmetic surgery, unless the surgery is medically necessary as part of treatment for accidents or burns while traveling.
- Injuries due to hazardous activity or sports.
- Loss due to terrorist activities.
- Partial loss of items in checked-in baggage.
- Loss of passport if it is left unattended in public and not reported to police within 24 hours.
Eligibility Criteria
- The applicant should be a basic Cardmember/family member of basic Cardmember of American Express
- The minimum age of entry is 3 months and maximum is 60 years.
- The cover is renewable till the insured person reaches 60 years of age.
- Applicant is allowed a maximum of 60 days per trip.
Medical Expenses (inclusive of repatriation and emergency medical evacuation)
This cover will reimburse for the expenses incurred for availing immediate medical assistance required on account of any illness or injury sustained or contracted whilst on a trip abroad but not exceeding the Sum Insured for the coverage as agreed under the Plan.
Dental Care Expenses
This cover will reimburse for the expenses incurred in respect acute anesthetic treatment of a natural tooth or teeth during a trip, but not exceeding the Sum Insured as specified in the policy wordings.
Compassionate Visit
In case the insured person is hospitalized for more than seven consecutive days then he can claim for the below mentioned expenses:
- A return trip economy class air ticket, or first class railway ticket, to allow one immediate family member, to be at his/ her bedside for the duration of stay in the Hospital; and Expenses towards stay of the immediate family member during such compassionate visit
This section also provides for the reimbursement of the cost of return fare for the insured to visit his/her native place in India, in the unfortunate event of the immediate family member (spouse, dependent children, parents) being hospitalized for more than seven consecutive days in India or in the event of death of the immediate family member (spouse, dependent children or parents).
Personal Accident
This cover shall compensate the Insured or his/her nominee or legal representatives, as the case may be, for accidental bodily injury (whilst on a trip covered by this Policy) solely and directly caused by accidental, violent, external and visible means resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 calendar months of occurrence of such injury.
Accidental Death and Permanent Total Disablement
This cover will pay compensation up to the limit of the Sum Insured for this benefit as specified in the policy wordings if accidental injury to the Insured results in loss of life or permanent total disablement while riding as a passenger (but not as a pilot operator or member of the crew) in a common carrier.
Daily Allowances in case of Hospitalization
Trip Delay
Re-imbursement of additional expenses incurred if your trip is delayed for more than specified number of hours, as mentioned in the Policy Wordings, due to airline problems, medical problems, personal employment problems or natural disasters.
Missed Connection
Provides payment of a fixed allowance towards additional expenses incurred in case of the Insured missing the connecting flight due to cancellation of incoming scheduled flight, beyond 3 hours in the event of inclement weather causing such cancellation.
Loss of Passport/Document
Provides reimbursement of actual expenses incurred for obtaining a duplicate or fresh passport, traveler’s cheque or other such documents in the event of its loss.
Total Loss of checked - in Baggage
Covers total loss of checked baggage caused by a common carrier (i.e. airline, coach operator, Ferry Company etc.) Valuables, if any, can also be covered if declared specifically and agreed to by the Insurer.
Delay of checked - in Baggage
Provides compensation for reasonable expenses incurred for the purchases of toiletries, clothing and medication due to a delay of checked-in baggage for specified number of hours, as mentioned in the Policy Wordings.
Trip Cancellation and Interruption
This cover shall compensate the Insured, subject to limit of sum Insured, if a trip is cancelled or interrupted due to any of the following reasons:
- Unforeseen disease, illness, injury, or death of the Insured’s family member. Disease, injury or illness must be so disabling as to reasonably cause a trip to be cancelled or interrupted as supported by medical records and opinion acceptable to the Company
- Termination of employment or layoff affecting the Insured or the travelling companion of the Insured, provided that the Insured or the travelling companion, as the case may be, have been employed with the employer for at least three continuous years
- Inclement weather conditions causing cancellation or interruption of the trip with due authentication by a letter from the common carrier
- The place intended to be occupied by the Insured/ Insured Person for purposes of his or her stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or such natural disaster
- The insured being abducted or quarantined
- The Insured or a travelling companion being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured/ Insured Person (including any member of their family) or the travelling companion (including any member of travelling companion's family) is/are not principal or accessory in such felonious assault
Home Fire Insurance
This cover provides for indemnity, against any loss, destruction or damage to the contents of the Insured's home in India caused by any of the fire and related perils specified hereunder whilst the Insured is on a trip abroad covered up to a specified limit as mentioned in the policy wordings.
Home Burglary Insurance
This cover provides for indemnity, against any loss, destruction or damage to the contents of the Insured's home in India caused by any of the fire and related perils specified hereunder whilst the Insured is on a trip abroad covered up to a specified limit as mentioned in the policy wordings.
Hijack Distress Allowance
This cover provides for payment of an allowance in the event of hijack of a common carrier in which the Insured/ Insured Person is traveling on a trip covered under this Policy as specified in the policy wordings.
Personal Liability
Provides compensation for third party liability payable to a third party in case of injury or damage to property of third party that is caused by insured.
Loss of Deposit or cancellation – Hotel and Airline
This cover will compensate the insured against the loss of irrevocable deposits or charges paid in advance or contracted to be paid in the event of necessary and unavoidable cancellation of Hotel and Airline booking arrangement which is beyond the control of the Insured up to a specified limit as mentioned in the policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.
Overbooked Flight
This cover will reimburse for the expenses made by the insured for the purchase of new ticket or hotel booking up to a specified limit as mentioned in the policy wordings if the insured is denied boarding of an aircraft on a commercial scheduled flight due to over-booking, and no alternative transportation is made available within 12 hours of the scheduled departure time of such flight. This cover is only applicable for USD 300,000 and USD 500,000.
Legal Expenses
This cover shall pay the legal costs and expenses incurred by the insured or the legal representative of the insured, as the case may be, towards claims for from third parties for compensation for accidental death or disablement arising due to an injury, whilst on a trip abroad, up to the limits specified in the Policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.
Pet Care
This cover provides for payment of medical expenses including fees for the Veterinary Medical Practitioner's fees towards the medical care and treatment of the pet animal (limited to cat or dog) of the insured arising due to an injury sustained whilst under the care of a friend, relative, house servant, other family members of the house or a professional carrier in India during the insured's trip abroad, covered under this Policy. This cover is only applicable for USD 300,000 and USD 500,000.
Emergency Accommodation
This cover provides for payment of compensation for the additional cost of emergency accommodation if the Insured/Insured Person could not stay in the accommodation originally booked due to fire, flood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases. This cover is only applicable for USD 300,000 and USD 500,000.
Bail Bond
This cover will provide the payment of bail amount to the appropriate authority/court on behalf of the Insured/ Insured Person if the Insured/ Insured Person is arrested or detained by Police or Judicial authorities, for any bailable offence whilst on a trip abroad covered by this policy up to the limits specified in the policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.
Traveling abroad can be for a holiday or for business purpose. During the journey, you are susceptible to many risks away from home. There can be unfavorable incidents like thefts, accidents, loss of tickets, baggage, documents, and trip cancellation. A travel insurance, in this case, becomes vital. It covers the expenses incurred in the event of loss or medical treatment.
It is the deductible amount that has to be borne by the insured at the time of a claim. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.
The following medical expenses are covered:
- In-patient treatment in a local hospital
- Out-patient treatment, provided if it is critical
- Medical aid for broken limbs or injuries if prescribed by physician
- Dental care related to acute anesthetic treatment as a result of an accident
- Life-saving emergency measures till the insured person becomes medically stable
- Transportation and emergency medical evacuation
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The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.
General Insurance is underwritten by ICICI Lombard General Insurance Company Ltd.
ICICI Lombard has its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivanayak Temple, Prabhadevi, Mumbai – 400 025. IRDAI Reg No. 115. Toll Free No. 1800 2666. Fax No 02261961323. CIN U67200MH2000PLC129408.
Website: www.icicilombard.com
Email: customersupport@icicilombard.com
Life Insurance is underwritten by Future Generali India Life Insurance Co. Ltd. (Future Generali) and PNB MetLife India Insurance Company Ltd. (PNB MetLife).
Future Generali has its registered office at Indiabulls Finance Centre, 6th Floor, Tower 3, Senapati Bapat Marg, Elphinstone West Mumbai, Maharashtra – 400013. IRDAI Registration No: 133. CIN:U66010MH2006PLC165288. IRDAI Registration no. 133.
Email: care@futuregenerali.in
Call at: 1800 102 2355.
Website: life.futuregenerali.in
PNB MetLife has its principle office at No.5 Brigade Seshmahal, Vani Vilas Road, Basavanagudi, Bangalore – 560004. Toll free No. 1800-425-6969.
Website: www.pnbmetlife.com
Email: indiaservice@pnbmetlife.co.in
This information is provided by American Express Banking Corp. (AEBC), India, having its Principal office at MGF Metropolitan, Office Tower, Level 7, District Centre, Saket, New Delhi-110017. Insurance Regulatory and Development Authority of India has authorized AEBC India to act as a Corporate Agent from 1st April, 2022 to 31st March, 2025 for soliciting and procuring General Insurance and Life Insurance business under Registration No. CA0066. The contents of this message (including any attachments) and the contents there of are attributable solely to the ICICI Lombard General Insurance Company Limited, Future Generali India Life Insurance and PNB MetLife India Insurance Company Ltd. ('Insurance Company'). No part of the same is either directly or indirectly, attributable to AEBC. The participation of the Card member is purely on a voluntary basis. Any such person who purchases or otherwise subscribes to the Insurance Product would do at his/her discretion and shall not receive any advantages in additions to those which he/she would ordinarily be entitled to as an American Express Card member. AEBC India does not accept any responsibility for the Insurance Company's actions or decisions. AEBC holds no warranty & makes no representation about claims processing. The contract of Insurance is between the insurer and the insured and not between the bank and the insured. Insurance company is liable to claims processing as per the terms and conditions of this Policy. AEBC India identifies insurance providers and products that may be of some interest to some of their customers. In this role, American Express does not act as an agent or fiduciary for the Card member, and may act on behalf of the insurance provider (as its agent or otherwise), as permitted by law. Please be aware that we receive up to 20% of the premium as commissions for Non-Life insurance products and up to 40% in the first year and up to 10% of the premium in the subsequent years for Life insurance products from providers as per Insurance Regulatory and Development Authority of India guidelines.
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Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
Product code:
- ICICI Lombard Complete Health Insurance - ICIHLIP22096V062122, Group Personal Accident - ICIPAGP22077V062122, Private Car Package Policy - IRDAN115RP0017V01200102, International Travel Insurance - ICITIOP22093V032122, Two Wheeler Package Policy - IRDAN115RP0015V04201415, Smart Plan House Holders Package Policy - IRDAN139P0002V01200910, Group Health Insurance Policy - IRDA/NL-HLT/BAXAGI/P-H/V.I/94/13-14
- Future Generali Express Term Life Plan – T21. UIN: 133N082V01
- PNB MetLife India Insurance Co. Ltd. Mera Jeevan Suraksha Plan – MJS, PNB MetLife IRDAI registration number – 117
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