1. Why do I need Travel Insurance?
One usually travels abroad for various reasons- a pleasure trip,
a business trip, a study trip etc. You do not want anything to
ruin your hard earned holiday, foreign study or your crucial
business meeting. But there is a possibility of some unexpected
occurrence no matter how perfect the planning is. Unfortunate
events such as baggage loss, passport loss, a medical emergency
or an accident can affect you. Having Overseas Travel Insurance
protects you from all such perils. It ensures that in the
unknown foreign land. You are not left stranded in any kind of
2. What is a TPA?
TPA stands for Third Party Administrator. The most essential
service they provide is cashless medical services. They also
provide the necessary information to deal with any problem
3. When does the cover begin?
The Insurance Cover commences on the day specified in the Policy
Schedule or the time you board the conveyance to leave for
onward overseas journey or the Contracted Departure Date as per
the policy, whichever is later.
4. Till when is the policy valid?
Insurance Cover shall terminate (i) with the end of Insurance
Period i.e. the period for which the premium has been paid or
(ii) when the insured person first disembarks on return to India
although insurance companies provide the benefit of Automatic
Extension of the Policy if the completion of the insured journey
is delayed solely because of a failure of public transportation
or other services upon which the insured was reliant.
5. Do I need to carry the policy along with me?
You are advised to carry the policy along with you when
traveling. This would make it handy once any claim arrives. But
most important the policy details should be known to the insured
when traveling like policy number.
6. Is medical exam necessary for travel policy?
Medical exam is required;
Insurer Required? Age Country to be Traveled Sum Insured
Public Sector Undertaking
Public Sector Undertaking Yes
Yes > 71
> 61 Worldwide
Non Americas As opted
Note: If the insured is falling under the criteria of Medical
Examination and not able to produce the Examination due to
urgency for travel then only a person can be insured without
giving any exam for a limited sum insured on the sole discretion
of an insurance company.
7. From where do I need to get all required medical exam?
Although there are no specified list of
Doctors/Clinics/Hospitals/Labs to get the medical exam but The
New India Assurance Co. Ltd. Has its own list of Hospitals from
where medical exam has to be done and these tests are to be
verified from the Doctor M.D. only for all the companies.
8. What type of Medical exam required?
Normally three tests are taken by the insurance company e.g.
E.C.G., Urine and Blood Sugar test but the required tests may be
change from company to company depending upon the type of case.
9. In case medical treatment is required, is there any need for
any pre-approval before hospitalization?
You would need to contact insurerís third party administrator
and they would arrange for the cashless claims for the medical
treatment. In case cashless facility is denied for whatsoever
reason may be, you can still apply for the reimbursement of your
10. Would I be reimbursed for the medical expenses incurred
abroad, if I go specifically for the purpose of seeking medical
The insurance covers you only for accidents or sickness which
happen unexpectedly and unintentionally while you are traveling
abroad. This is to ensure that you have sufficient peace of mind
during your overseas trip. This policy does not cover planned
Medical Expenses / Treatment overseas.
11. In case I don't want the policy anymore, can I get it
Cancellation of policy can come in two ways:
You can get your policy cancelled only by giving a Request
Letter* stating valid reason for the cancellation of trip and
the cancellation charges towards administrative expenses would
be deducted from the refundable premium which may vary from
company to company.
You can get your policy cancelled only if you have not
undertaken the journey and you produce your original passport as
a proof that the journey has not been undertaken. Any such
request of cancellation will be entertained up to to be filleds
after the first date of insurance as indicated in the schedule
of the policy and the cancellation charges towards
administrative expenses would be deducted from the refundable
premium which may vary from company to company.
12. What if I loose my baggage how do I claim?
TPA has to be contacted to register the claim. You will have to
submit the loss baggage claim form along with the supporting
documents from the airline.
13. What if in an emergency I don't have time to call up?
TPA should be contacted by any person within 48 hours and given
the details about the insured.
14. Do I need to take travel insurance each time I make a trip
or is one policy valid for multiple trips made over a period of
You can either choose a Single Trip or Multiple Trip policy. If
you choose a Single Trip policy, the cover will be valid for the
duration of the specific trip, (as selected by you). If you
choose a Multiple Trip policy, the cover will be valid for one
year from the start date of the policy. The maximum duration per
trip under this option can be 30, 45, 60, days or 90 days (as
selected by you, which may vary from company to company).
15. Can I continue my treatment of same disease happened during
my travel abroad in the home country after expiry of my policy?
If the Third Party Administrator advises that the continued
treatment in the republic of India is appropriate, then the
company will pay the medical expenses incurred in India for the
same illness/injury contracted abroad following the
transportation to India, for a maximum period of time vary from
company to company from the date of return to the Republic of
India, provided that the illness/injury is sustained or
contracted within the period of insurance during the trip
16. If I am evacuated on ground of medical reason, can I
continue my treatment in India?
If recommended by the claims administrator and subject to
medical sum assured remaining, the company will also indemnify
the insured in respect of the medical expenses incurred by him
within India to continue medical treatment commenced by the
insured outside India, immediately prior to any medical
Evacuation. The companyís liability to make payments hereunder
shall be limited to a period of time vary from company to
17. Is there any plan without Medical Cover?
Yes, Plans are available only for students.
18. Is there any plan which covers Drugs Abuse, Cancer
Screening, Inter collegiate sports, child care, Mental & nervous
Yes, Plans are available only for students under ICICI Lombard
(Gold & Silver Plus plan) and Cholamandalam (studentís plan)