ICICI Lombard Gold Multi-Trip Travel Insurance

Travelling to different places is a common practice amongst businessmen. Business owners and corporate employees are required to travel to different places in order to grow their business and gain profits. This involves travelling to different cities and countries several times a year in order to fulfil their business commitments.

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Plans for an individual of 30 years age travelling to USA for 15 days

Apart from businessmen, people who have a passion for travelling also visit different places multiple times in a year. In fact, many people take up professions that require them to travel numerous times a year. However, an emergency can occur anytime between a trip putting the traveller in a difficult position in a foreign land. To keep themselves protected from any unfortunate incident that they face during their trip, most people buy a multi-trip travel insurance policy.

Speaking of multi-trip travel insurance, ICICI Lombard Travel Insurance offers one of the most appealing travel insurance plans for frequent travellers. The Gold Multi-Trip Travel Insurance plan by ICICI Lombard is a comprehensive policy that offers complete protection to frequent travellers from any travel-related uncertainties. It comes with a sum insured amount of up to USD 5,00,000. This plan offers coverage including medical treatment expenses, emergency cash advance, total loss of check-in baggage, personal liability, missed flight connection, political risk & catastrophe evacuation and trip cancellation & interruption. This ICICI Lombard Gold Multi-Trip Travel Insurance plan also offers value-added services that offer special concierge services to the dependents of insured traveller in India.

Features of ICICI Lombard Gold Multi-Trip Travel Insurance Plan

ICICI Lombard provides a host of interesting features that makes this international travel insurance policy for frequent flyers shine brighter than plans by other insurers. Here are some of the most lucrative features of this ICICI Lombard Gold Multi-Trip Travel Insurance plan:

Multiple Per Trip Duration Option

This multi-trip insurance plan by ICICI Lombard is available in three trip duration options. You can choose between the per trip duration of 30 days, 45 days and 60 days as per your travel requirement.

Three Sum Insured Options

This plan offers three options of sum insured amount i.e. USD 1 lakh, USD 2.5 lakh and USD 5 lakh.

Offers Value Added Services

Value Added Services is the most unique feature of this Gold Multi-Trip Travel Insurance plan by ICICI Lombard. Under this feature, a variety of concierge services are offered to the insured travellers’ dependents in India. It includes medical concierge services such as home nursing care assistance, lifestyle services such as flowers delivery assistance and automotive assistance services such as flat tyre service.

Worldwide Cashless Health Services

This policy offers cashless healthcare services to the travellers insured under this plan. However, this policy can only be availed if the insured gets admitted to one of the empanelled hospitals of ICICI Lombard.

Special cover for H1N1 influenza or Swine Flu

ICICI Lombard will cover any expenses incurred by the insured traveller on the treatment of diseases like Swine Flu or H1N1 influenza.

Why Choose ICICI Lombard Gold Multi-Trip Travel Insurance Plan?

ICICI Lombard has been providing dedicated services to its customers with the help of its Gold Multi-Trip Travel Insurance plan. If you are thinking about what makes this frequent flyer policy stand out, go through the reasons listed below:

This policy by ICICI Lombard has a validity of 365 days that allows you to stay covered for multiple trips under one plan.
Travellers insured under the Gold Multi-Trip Travel Insurance plan by ICICI Lombard can avail cashless healthcare services at any part of the world. However, this policy does not suffice the Schengen visa requirements for people above 50 years of age. Therefore, you may have to purchase a different policy if you are flying to any of the Schengen states and are above 50 years.
This ICICI Lombard policy offers special coverage for medical expenses incurred on the treatment of H1N1 influenza or Swine Flu.
Frequent flyers insured under this policy can access high-quality healthcare facilities during their trips as a result of ICICI Lombard’s partnership with United Health International (UHI)

Eligibility Criteria to Purchase ICICI Lombard Gold Multi-Trip Travel Insurance Plan

Anybody who travels frequently can apply for the Gold Multi-Trip Travel Insurance plan by ICICI Lombard. Whether you love to spend your leaves in visiting new places or need to travel frequently due to business commitments, you are free to buy this policy by ICICI Lombard. However, you need to fulfil certain age criteria to be eligible to apply for the ICICI Lombard Gold Multi-Trip Travel Insurance plan. Check the entry age limits for this plan in the table given below:

Types of Travellers	Minimum Entry Age	Maximum Entry Age
Adults	18 years	70 years
Children	3 months	-

ICICI Lombard Gold Multi-Trip Travel Insurance Plan Coverage

The Gold Multi-Trip Travel Insurance plan by ICICI Lombard provides an array of coverage to the frequent flyers insured under this plan. Take a look at the list of inclusions offered under the ICICI Lombard Gold Multi-Trip Travel Insurance plan:

Plan Coverage

Medical treatment expenses cover that includes the cost of medical evacuation to a hospital

Medical repatriation of mortal remains back to the home country

Expenses incurred on dental treatment

Total loss of check-in baggage cover

Delay in delivery of check-in baggage

Expenses incurred due to loss of passport

Personal liability cover

Distress allowance due to flight hijack

Personal accident cover

Emergency cash advance

Expenses incurred due to trip cancellation

Losses incurred due to trip interruption

Missed flight connection cover

Coverage for political risk and catastrophe evacuation

Accidental death cover due to travelling in a common carrier

Value-added services that include medical concierge services, automotive assistance services and lifestyle services

Expenses incurred on emergency hotel extension

Cost of the compassionate visit by one of the family members

Swine Flu/ H1N1 influenza treatment cover

ICICI Lombard Gold Multi-Trip Travel Insurance Plan Exclusions

Every travel insurance policy comes with certain exclusions, which are not covered by it. To get the complete picture of the coverage provided by the ICICI Lombard Gold Multi-Trip Travel Insurance plan, take a look at its list of exclusions:

List of inclusions offered

Any claims arising out of declared or undeclared pre-existing medical conditions

Treatment expenses incurred on mental disorder, depression or anxiety will not be covered

Any claims arising out of addiction or dependency on alcohol or drugs

It does not cover any claims related to venereal diseases

No expenses incurred on the treatment of HIV, AIDS or any sexually transmitted diseases

Any injury or illness caused due to induction of nuclear weapon or radiation will not be covered

Expenses incurred on any treatment taken under naturopathy, Ayurveda or homoeopathy

Any claim related to participation in any sporting activities will not be covered

Cost of treatment taken to eliminate physical flaws through cosmetic or plastic surgeries

Any expenses incurred due to loss of money, securities, valuables or tickets will not be covered

Cost of taking rest or recuperation at a health resort or spa is excluded

ICICI Lombard Gold Multi-Trip Travel Insurance Plan FAQs

Q1. Can I cancel my Gold Multi-Trip Travel Insurance plan by ICICI Lombard?

Ans: Yes, ICICI Lombard allows its customers to cancel their Gold Multi-Trip Travel Insurance plan. If you cancel the policy within the free look period of the first 15 days, you will be entitled to a full refund of the premium amount. However, if you cancel the policy after 30 days of the start of the policy, you will get a premium refund on a pro-rata basis.
Q2. Is it possible to renew by Gold Multi-Trip Travel Insurance plan by ICICI Lombard?

Ans: Yes. You can renew your Gold Multi-Trip Travel Insurance plan by ICICI Lombard if you place a renewal request at least 30 days before the expiry of your policy.
Q3. How many days will it take for me to receive my Gold Multi-Trip Travel Insurance policy papers?

Ans: You will receive the soft copy of your ICICI Lombard Gold Multi-Trip Travel Insurance on your email within 15 minutes of purchasing the policy. However, it will take about 15 days to get the hard copy of your policy papers.
Q4. Can I be issued more than one travel insurance policy simultaneously by ICICI Lombard?

Ans: No. A person will be issued only one Gold Multi-Trip Travel Insurance plan by ICICI Lombard at one point of time.
Q5. What are the various modes of paying the premium for ICICI Lombard Gold Multi-Trip Travel Insurance policy?
Ans:ICICI Lombard allows the applicants to pay the premium amount online via five options:
- Debit cards
- Credit cards
- Net banking
- Bill Pay, and
- Cash card

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Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in