International Travel Insurance Travel Hasslefree Presentation Path What

International Travel Insurance Travel Hassle-free

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

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

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

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

International Travel Insurance Plans Coverage Amount Platinu m Gold Silve r Asia USD 50, 000 , USD 1, 000 , USD 2, 50, 000 USD 5, 000 P P USD 50, 000 USD 25000 USD 7, 500 P P Up to US$ 50 per day for maximum of 5 days P O Dental Treatment USD 300 P P O P Total Loss of Checked in Baggage USD 500 P P O P Delay of Checked in Baggage USD 100 P P O P Loss of Passport USD 300 P P O P Personal Liability USD 100, 000 P P O P Personal Accident USD 15000 P P O P Benefits Medical Cover (includes medical evacuation cost)* Repatriation of Remains (Including in medical Sum Insured) Daily Allowance In Case of Hospitalization (franchise of 2 days)

International Travel Insurance Plans (Contd. ) Benefits Coverage Amount Platinum Gold Silver Hijack Distress Allowance US$ 125 per day for max. 7 days P P O Emergency Cash Advance USD 1000 P P O P Trip Cancellation & Interruption USD 500 P P O P Missed Flight Connection USD 500 P P O P Trip Delay USD 500 P P O P Political Risk and Catastrophe Evacuation USD 7500 P P O P Accidental Death (Common Carrier) USD 5000 P P O P Fire Cover for Building INR 2000000 P O O O Fire Cover for Contents INR 1000000 P O O O Burglary Cover for Home Contents INR 1000000 P O O O Bounced Booking – Hotel / Airline USD 2000 P O O O Compassionate Visit US$ 7, 500 P O O O Emergency Hotel Extension USD 5000 P O O O Loss of Baggage and Personal Effects USD 2000 P O O O Travel cost at actual not exceeding US$ 7, 500 P O O O Return of Minor Children) Value Added Services P Asia P

Multi-Trip Plan Worldwide Plan with ‘Gold’ Benefits MAX TRIP DURATION 30 45 60 AGE YRS. US$ 100, 000 US$ 250, 000 US$ 500, 000 3 months-50 5, 368 6, 615 9, 176 51 -60 6, 919 8, 608 12, 407 61 -70 9, 959 12, 412 18, 629 3 months-50 6, 422 7, 908 11, 257 51 -60 8, 239 10, 353 14, 455 61 -70 12, 111 15, 073 22, 065 3 months-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%

Senior Citizen Plan Benefits Sum Insured Deductibles 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, 500 NA Total Loss of Checked in Baggage USD 500 NA Delay of Checked in Baggage USD 100 6 hours Loss of Passport USD 300 USD 50 Personal Liability USD 100, 000 5% of Actual Personal Accident USD 2500 NA Hijack Distress Allowance US$ 125 per day for max. 7 days 12 hours Emergency Cash Advance USD 1000 NA Trip Cancellation & Interruption USD 500 NA Missed Flight Connection USD 500 3 hours Trip Delay USD 500 6 hours Political Risk and Catastrophe Evacuation USD 7500 NA

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

Coverages In Detail 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.

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 Physician’s 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 )

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

Coverages In Detail 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 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

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

Coverages In Detail 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 person’s 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 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 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

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

Value Added Services Contd. 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.

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

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

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

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

UHG Card

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.

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/po 7/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

FAQ’s 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.

Thank you