Now, get Pre-existing Diseases covered in your Travel Insurance

If you are planning a trip abroad, availing travel insurance is a must. However, choosing the right plan and the provider from the the numerous options available in the market can get quite tricky.

ICICI Lombard General Insurance Company, the pioneer of travel plans amongst the private insurers in India, offers Individual Overseas Travel insurance that also covers pre-existing diseases (in case of emergency). Yes, you read it right. ICICI Lombard offers coverage for pre-existing disease in life-threatening situations, thereby making it one of the most opted travel insurance amongst the many plans available.

ICICI Lombard has also tied up with UnitedHealth Group (UHG), one of the largest health care companies in the US, thereby providing exclusive health care services to its customers. This assures the travelers access to 86% of acute care hospitals, more than 554,000 physicians, 4,800 medical facilities & OPD centers and 60,000 pharmacies throughout the U.S. 

What also sets this travel policy apart form others is that the premium is charged on a unique pay per day basis and not the usual slab rates. If you travel for 15 days, you pay exactly for 15 days and not for 20 days according to the slab system.

Travelers up to the age of 85 do not have to undergo any health check-up. What’s more, we also offer you the convenience of calculating premium and buying insurance online in just a few minutes. When you buy online, a digitally signed document is generated which is saved online and can be accessed from any place any time. The secure online platform allows you to not only buy but also renew and track your claims online.

The benefits mentioned above, makes our Overseas Travel Insurance, one of the most preferred travel insurance plan for Indians going abroad. 

In its 7 successful years of operations, ICICI Lombard has kept the promise of providing good deals to the customers for the simple reason that we prioritize our customer’s emotions with their hard-earned money. Our Individual Overseas Travel Insurance Plan is no exception.

Travel Worry Free with ICICI Lombard’s travel insurance. That’s what a holiday is meant for!

For further queries, call 1800-209-888 (toll-free) or visit www.icicilombard.com for more information and to buy online.

Going to U.S. for studies? Get comprehensive Student Medical Coverage

Travelling abroad for further studies is an important chapter in one’s life. Before you tread on this exciting path, it is necessary that you prepare for yourself a safety net for the new environment that can act as a shield against unforeseen emergencies. Purchasing a student medical insurance can remove these worries and make your study abroad a pleasant experience.

When people plan to study abroad for higher studies, the United States of America is their first preference. U.S. is known for top rated universities, varied and conventional courses and specialization, and state-of-the-art training and research facilities. There are number of must haves while you leave your home country to study in the States. Student Medical Insurance is one such requirement. Current U.S. laws require international students to carry student medical insurance. Universities in the US do provide international students with a health insurance but it is always recommended that you carry your health insurance in the home country and get a waiver from the university plan simply because you can avail the same coverage a lesser cost.

ICICI Lombard General Insurance offers Student Medical Insurance that covers medical & non-medical benefits at a comparatively low cost. Buying in India means that you pay premiums in rupees and get the benefits in dollars!

To ensure quality health care, ICICI Lombard has now tied-up with United Health Group, the best, and the most diverse health care company in the US which serves more than 70 millions Americans. More than 86% of all acute care hospitals and huge number of physician and OPD facilities are in their network. This tie-up will benefit the students going to U.S. because of the hospital network and give all the students access to United Healthcare’s network of hospitals and physicians.

All our students traveling to the US will now receive a co-branded ICICI Lombard and UHI card printed along with the policy and get access to 86% of acute care hospitals, more than 554,000 physicians, 4,800 medical facilities, OPD centers and 60,000 pharmacies throughout the U.S.

Our student medical insurance is one of the most preferred because we cover pre-existing disease in life-threatening emergencies. The plans are tailor made according to the requirement of universities.

With Student Medical Insurance from ICICI Lombard you get good cash value because you can avail the same coverage at 1/3rd the cost of insurance premium abroad. What’s more? You can also buy policy online without any paperwork and get the documents instantly.

Facilities as attractive as these makes it compelling to get insurance from Student Medical Insurance from ICICI Lombard.

Indian students enrolled at a U.S. university can purchase insurance in India and activate the policies prior to their departure and the commencement of their academic session.

So the next time you or any of your loved ones is planning a study abroad in U.S., call 1800 209 888 and get your comprehensive Student Medical Insurance from ICICI Lombard GIC.

Click Here to buy online.

For further details, please log on to www.icicilombard.com

Going to U.K. for studies? Get adequate Student Medical Insurance

United Kingdom is considered one of the best international destination for higher education. It offers a perfect mix of good institutions, courses and affordable fees. UK also ranks as one of the most preferred study destination by Indians as the Indian curriculum matches that of the British to a great extent. Hence, Indian students face less adaptability problems while studying in UK University.

When it comes to health care, it is often believed that the NHS services offered in UK is enough and no student medical insurance is required. Agreed that it is not mandatory to have one in UK, but it definitely is important to have one. Why? Simply because the NHS is not a free medical service; charges are made for certain things so you should not assume that all treatments will be free. Generally, as an International Student studying on a course in the UK for more than six months, you are entitled to the same treatment as UK citizens.

None the less, you do require to compliment your NHS cover with a comprehensive Student Medical policy that  cover medical costs if you fall ill, and also to cover the additional possible costs resulting from illness. These can be substantial, and include things like study interruption, compassionate visit, medical evacuation and repatriation of remains.

ICICI Lombard GIC covers all these and more at most nominal prices. Apart form medical benefits, we also provide 8 non medical covers. You can buy online with us instantly without any paperwork and get insurance in just a few minutes..

Here are a few reasons on why you need to complement your NHS cover with ICICI Lombard Student Medical Insurance

• Avail coverage at all hospitals including Private Clinics - Avail treatment at all hospitals including Private Clinics. Along with General Practitioner Charges, Specialist Treatment like Dental Treatment Charges is also covered. 
• Worldwide Cashless Hospitalization Facility – Avail cashless hospitalization across network hospitals worldwide. This means that you are covered even if you were to travel outside UK to European countries during your internship program.
• Avoid long waiting periods – With ICICI Lombard Student Medical Insurance, you can avoid long wait periods to avail medical treatment.
• 8 Non-Medical Benefits - Avail coverage for 8 additional non-medical benefits including Bail Bond, Study Interruption, Compassionate Visit
• 2 year Continuous plan - Opt for 2 year Plans to cover your entire period of study (365+365 days)

To know more about studying in UK and university specific insurance requirements, click here.

Tips for safe driving in the monsoons

ICICI Lombard Motor Insurance gives you 5 ‘ CARing’ tips for the Monsoon driving

Car Care
Remember to check battery, electrical wiring, headlights , tyres, engine, wipers and the underbody anti- rust coating on a regualar basis. Tyre pressure, tread depth and spare wheel should also be checked. Replace cloth floor mats with plastic/ rubber mats as it avoids dampness and bad odour.

Driving Care
Avoid driving when it is pouring heavily . But if urgent, drive using first gear only and avoid using full accelerator. Lower your window panes while driving through water logged areas. If the car stalls in between, do not try to push start or crank start. It is advisable to get technical help and towing the vehicle to the the nearest authorised garage. Avoid parking the vehicle near a newly built compound wall or under big trees, as storms or heavy thundershowers may collapse them.

Personal Care
A well equipped first aid kit with bandage, pain relief spray, antiseptic cream, anti-allergics such as Avil and Aspirin should be kept handy, also carry umbrella / raincoats. People with serious illness should carry their prescribed medicines while travelling.

Emergency Care
In case you are stuck, park your car and look for the nearest garage. Be prepared to carry a list of the name of garages. It is also advisable that you create the ICE (In Case Emergency) number in your cell phone so that incase of an eventuality near ones can be informed. Also store emergency numbers of hospitals , police stations, fire stations etc.

Wallet Care

Now Save money on your Motor Insurance. It is advisable to check our Motor Insurance rates before renewing/ buying your Motor Insurance policy.

Renew your Motor Insurance NOW with ICICI Lombard 24 X 7

• Avail of the 0% EMI option on your insurance premium
• Comprehensive cover of personal accident, third party liability and own damage (OD) cover.
• Avail cashless settlement of claims across 2200+ network garages
• Transfer your NCB (No Claim Bonus) and avail discount of up to 50% on your renewals

Call us now for a free quote at 1800 209 8888 (toll free, also accessible from your mobile phone) or SMS MOTOR to 56767.

Visit www.icicilombard.com to buy online

Going Abroad for studies? Buy your Student Medical Insurance from India

If you are an Indian student going abroad for your studies, you definitely know the importance of health insurance. Student Medical Insurance is mandatory for all the universities worldwide, especially when you are an international student.

But the question is, whether you should buy it from your home country, or from the university itself? All universities offer a medical plan for their students. However, they also waive it if the international student could get any other insurance policy meeting its requirements.

Should you buy your student insurance from India itself?
Actually, it does make sense when you buy insurance from India for a simple fact that it falls cheaper. Buying insurance in Indian rupees costs you approximately 1/3rd of buying in U.S. dollars. You can choose an insurance policy that is university complaint and thus get the same benefits at a much lower price.

Students from developing countries, like India, have to face the consequences of the unfavorable exchange rate. As a result, sustaining themselves abroad in more developed countries, such as US, UK, Australia etc, falls more expensive on their pockets. It is a well known fact that medical services are quite expensive in most countries abroad.

Moreover, most universities offer just the medical cover. But as you are staying in a completely different country all alone, it is wise to get covered for other non-medical risks also. These may include personal liability, luggage damage, passport loss, bail bond, Study interruption, Repatriation of remains, Sponsor protection etc.

Here are a certain things you need to keep in mind while buying your Student Health Insurance from India -

Consider the cost factor but prioritize coverage over costs.
We know that buying form India falls cheaper. But do evaluate the domestic options available. However, do not let cost take priority over coverage. Be smart when evaluating various options. Do not go in for an insurance company only because it has the lowest premium! Also consider the coverages offered to you. You might as well choose a company with a higher premium but with better covers.

Click here to compare the various plans available, the coverages and the costs.

Ensure it is University Compliant.
Your University would give you a waiver only if the insurance policy is compliant with the university’s requirements. So be sure that all your insurance needs are compiled with.

Click here to find university compliant insurance policies for over 500 universities worldwide.

Protect yourself against non medical risks also
As mentioned before, most universities may require only medical coverage. But you should get covered for other non-medical risks also, as even if they are not mandatory, they are extremely important.

Check various plans offered by ICICI Lombard that gives you coverage against personal liability, luggage damage, passport loss, bail bond, Study interruption, Repatriation of remains, Sponsor protection and much more.

Always check out the third party tie-ups
You do not ant to be stuck in a claim. To ensue a smooth claim in future, always check the Third Party Administrator tie up of the company you are buying insurance from. Check the hospital network of the area/ country you are going for studies.

Buy online
Always prefer buying your insurance online. It is not only convenient but is faster and safer. While buying it online, you are not dependent on anybody else and can check all the facts for yourself. Thus chances of frauds are less. Also, when you buy online, the digitally signed policy generated is a legal document and can be accessible online anytime, anywhere in the world.

Click here to buy online instantly.

 

ICICI Lombard General Insurance Co. Ltd. 

Insurance is a subject matter of solicitation.

All you need to know about International Student Medical Insurance

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A comprehensive medical insurance is mandatory for any student planning to go abroad for higher education. You may buy insurance from the home country or avail one from the country you will be studying at. Most universities abroad grant waivers if you are carrying an insurance from home, provided they meet the requirements specified. As an Indian planning to study abroad, it is better to take insurance from home as they are more cheap than ones available abroad.

Make sure that the policy you buy in India adequately covers the university insurance requirements. We have drawn a comprehensive list of such requirements, which varies from university to university. Usually a combination of few criterion mentioned below are specified as “must” in your policy coverage.

The most important requirement is medical coverage, which all universities will specify. Usually the minimum coverage required is of US$ 50,000.

Costs incurred as an inpatient as well as outpatient must be covered by your student medical policy.

Many educational intitututes may require coverage for treatment of any mental and nervous disorders, including drug dependency or alcoholism.

Dental insurance is another main component. The amount may differs from university touniversity.

An accidental insurance, including death and dismemberment benefits, are must in case of college.

You may also require coverage of costs incurred in case of emergency medical evacuation (to a nearest medical facility or country of residence) and repatriation of remains (in case of death). The coverage amount required differs among universities.

Several universities may also require your insurance policy to cover any possible inter-collegiate sports injuries or such unforeseen events.

Again, as per requirements of universities, your policy may have to cover mammography expenses (breast x-ray) or those related to maternity, complications of pregnancy and child care.

Most universities require the necessary deductibles not to exceed $500. A “deductible” is the amount over and above which the insurance company starts funding the bills.

As mentioned above most universities will ask for a few or a combination of these health coverages, therefore select your health insurance policy accordingly. Do remember that since you will be traveling abroad and staying there for a considerable time, your policy must cover several other unforeseen expenses.

These include any possible personal liability, loss of passport and checked-baggage, cost of a bail bond (in case of unfortunately being arrested or detained in judicial custody), interruption in study (reimbursement of the remainder semester fee), transportation cost of an emergency visit to/from home (illness where either the student travels home or receives a family member) or other such expenses.

ICICI Lombard offers you insurance policies that covers all of the above. Choose one from our range of Student Medical Insurance that suits you the best.

How to select a university abroad

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Since it is your future at stake, adopt a meticulous approach when selecting a university abroad. If you follow the step-by-step plan mentioned below, selecting the most suitable university for your study abroad will not be all that difficult.

First, remember that the best university for you may not be the most popular/highly ranked, but one that offers your field of study and meets criteria important to you (such as financial aid, duration, etc.).

Step 1 – Self Evaluation

Do a thorough self-evaluation and short list around 50 universities. This involves

• motivation behind pursuing education abroad- is it academic inclination/job possibilities/personal interest/specialization etc.
• realistic evaluation of professional and academic background- academic record (important in shortlisting universities by rank)/dedication/handling peer pressure/research or work experience in your field/certificates for extra-curricular activities.
• clear perspective of academic inclination- absolute surety of courses you want to follow
• Clear picture about funding- Education abroad is expensive. Apart from the tuition fees various costs such as living, transportation, health insurance etc. are involved. In your case is it sponsorship/self-finance/ university funding etc. 

Step 2 – Details of university/ college

Once through with self-evaluation, your focus must shift to acquiring hard-core details about the short-listed universities for your higher education. The broad areas you should get details on are

• Specialization or programs offered and their duration
• Ranking and faculty of the university
• Approximate cost - tuition and other fees, accommodation, commuting, insurance* etc.
• Entrance and academic eligibilities, tests required, accreditation status
• Percentage of international students and their work experience
• Other facilities and extra curriculars

On the basis of these criteria short list roughly 25 to 30 universities.

 Step 3 – Application stage

Next comes the application stage. On receiving application forms look into requirements such as minimum score of standardized exams, application deadlines, recommendation letters and other such relevant details. Compare this information with your criteria and segregate the universities in three categories

• Those that meet your requirements
• Those that do not meet your requirements and
• Those that do not fall completely into either categories. 

By logic, eliminate the universities in the second category. Further review the universities in the third category on the basis of ranking, research facilities, financial aid availability, admission requirements, program objectives and the approach adopted, location and student profile. By the end of this stage, you should have short-listed 7-10 (maximum 15) universities, in which you intend to apply. 

Universities generally inform well in advance (from the commencement of the term) about their admission decisions. In case you have received more than one acceptance, prioritize on the basis of program (curriculum, duration, research facility etc.), reputation, costs and financial aid, best suited to your personal and professional requirements.

In case of a wait list in your first choice university and admission in second/other- pay the deposit and accept the offer to be on the safe side. At the same time accept to stay on the waiting list of the first choice university.

Exhaustive research on each university is essential to make the correct choice. It is time consuming, but never compromise on that.

* To get detailed insurance requirement information of over 500 international universities worldwide, click here.

Customized solutions for student medical insurance

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When you plan to go abroad for your studies, one of the main requirement is that of Student Travel Insurance, also commonly known as Student Medical Insurance. You cracked your University entrance exam, and now it’s time to crack this essential piece. Most of the students find the insurance aspect confusing and land up feeling lost. ICICI Lombard understands your predicament and is here to help you out. 

Our unique University Search tool gives you precisely what you are looking for. Covering more than 400 universities worldwide, we provide you the exact insurance requirement for each university. Not only this, we also tell you which plan suits the university criteria and allow you to buy it instantly online. And just in case you have any doubts and feel the need to crosscheck, we also provide the university link for you do so.  

How do you go about it? 

Simply go to our University Search tool and select the university from the drop downs. For your convenience, we have different drop downs for different countries. Select your university from the relevant drop own. You will b taken to a page which give you precise information of the university’s student insurance requirement. Side by side we also let you know whether ICICI Lombard covers it or not. The entire information is given in a table format so that it is easy for you to comprehend. You get all the information in just one glance and thus save the trouble of going through paragraphs and paragraphs of information which may become confusing.  

Not only this, we also recommend the insurance plan that satisfies all your requirement. And to save the time and hassle of actually calculating the premium online, we give you the premium in Rupees then and there! 

All you have to do is just click on the Buy Online button and get your Student Medical Insurance in just 5 minutes!  

We understand the pressure on you. And we know that time is essential. This is just one of our initiatives to assist you. And just in case you have any queries, simply chat with us (24*7) or email us. 

 

ICICI Lombard General Insurance Co. Ltd. 

Insurance is a subject matter of solicitation.

Travel Guide – your online travel helpdesk

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ICICI Lombard GIC is glad to introduce Travel Guide – an online initiative catering to all aspects of traveling overseas. We understand that travel insurance is just a small part of the whole jigsaw, and have thus tried to put all the other aspects in place for you. Exhaustive and comprehensive, it has destination guides, travel guidelines and tips, tools and more. 

What does the Travel Guide contain?

Lots and lots and lots of important information and tools. The main sections are-

Discover Destinations - Find out about various destinations around the world. Get informed about what to see, their main events, the best places to eat and stay, reaching there and getting around. 

Travel Guidelines – Get country specific guidelines on visa, baggage, permitted and prohibited items and custom laws. This is a must check section while you are planning you trip.  

Travel Tips – This section contains destination specific tips on currency, health, safety, basic customs, culture etc.  

Travel Tools – A whole gamut of interactive tools assuring you a safe and smooth journey. The list includes

• Check flight status
• Track flights online
• Flight Ratings
• Departure and Arrivals
• Airport information
• Weather information
• Currency converter
• World clock
• Time zone
• Airport maps
• Airline seat maps
• International calling codes
• Electricity conversion
• Airlines toll free nos and websites
• Foreign Embassies in India
• Indian Embassies abroad

Top travel stories – the top most travel stories on travel and places from across the world.  

Travel Smart articles – A bank of useful articles ensuring that you not only travel smooth but also travel smart!  

Travel Insurance – Offering the most innovative, comprehensive insurance solutions for your trip abroad. Pay on a per day basis (rather than slab rates) and buy online instantly.  

Click here to visit the Travel Guide. Do note that we are adding new stuff everyday. So keep visiting and keep exploring! And yes, do feel free to voice your opinion. Your input is valuable to us.

ICICI Lombard General Insurance Co. Ltd.

Insurance is a subject matter of solicitation. 

Gift Health to your parents… Show them you care

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When you were young your parents took care of you through sickness. Now, it’s your turn to take care of them and show them that you will stand by them just the way they did.

Insure your parents’ health with Health Advantage Plus - a unique health insurance policy that covers not only unexpected medical emergencies but also Outpatient Treatment Expenses (OPD) (reimbursement of cost of medicines, drugs, ambulance charges and dental expenses).

Gift this policy to your parents and show them you care. Available for all ages between 5-65 and also for senior citizens, you can renew this policy up to 70 years of age. Assure your parents good health and ensure their financial independence during all medical emergencies and not just during major illnesses.

And whats more? As per the (Indian)Budget 08-09, you can avail an additional tax benefit up to Rs 15000 under Section 80D. If your parents are senior citizens, you can benefit up to Rs 20000. Calculate your exact tax saving with our Tax Calculator.

You can also top up the Health Advantage Plus plan with a Personal Accident policy at just Rs. 99 per annum.

Click here to know more about gifting this policy to your parents.

ICICI Lombard General Insurance Co. Ltd.

Insurance is a subject matter of solicitation.