ICICI Lombard SmartTraveller Insurance

Inclusions

Exclusions

Medical and Dental Expenses:

These include medical expenses, repatriation, emergency medical evaluation. Even dental care expenses such as acute anaesthetic treatment of teeth is covered.

Personal Accident:

Compensation for bodily injuries, permanent or partial disablement, death caused in an accident.

Daily Cash Allowance:

Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specific number of days.

Loss of essentials:

Loss/theft of passport, documents, delay or loss of checked-in baggage is compensated.

Legal Expenses:

All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries.

Trip cancellation/delay:

Be it because of technical issues by the airline, natural disasters, medical, or any other reason, compensation is given for trip cancellation, delay or interruption.

Emergency Accommodation:

Due to some natural disaster, if the insured isn’t able to stay in the original accommodation, compensation for additional cost of emergency accommodation will be provided.

Hijack Distress:

In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated.

Home and Fire Insurance:

Any kind of loss or damage of the things at the insured’s home back in India caused by theft/fire will be covered.

Cosmetic surgery:

Cosmetic surgery isn’t covered, unless essential as part of treatments for accidents when abroad.

Self-inflicted injury/harm:

Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. won’t be covered.

Participation in warfare:

Coverage isn’t provided if one is involved in the naval, military, or air force operations.

Performing professional and risky sports:

Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document.

Non-Allopathic treatment:

Yogic, homeopathic, unani, and ayurvedic treatments are strictly excluded.

Medical expenses due to unproven treatment:

Coverage isn’t provided for expenses with respect to unproven or experimental treatment.

Illegal Activity:

If one is involved in a hazardous occupation or engages in criminal activities while on the trip abroad, coverage won’t be provided.

Limitations in medical expenditure:

Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions.

Treatment that could be delayed until return:

Coverage isn’t provided, if the treating physician and the emergency service provider decide that the treatment could have been delayed until return to India .