Faqs

Travel Insurance

Traveling abroad can be for a holiday or for business purpose. During the journey, you are susceptible to many risks away from home. There can be unfavorable incidents like thefts, accidents, loss of tickets, baggage, documents, and trip cancellation. A travel insurance, in this case, becomes vital. It covers the expenses incurred in the event of loss or medical treatment.

It is the deductible amount that has to be borne by the insured at the time of a claim. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.

The following medical expenses are covered:

In-patient treatment in a local hospital
Out-patient treatment, provided if it is critical
Medical aid for broken limbs or injuries if prescribed by physician
Dental care related to acute anesthetic treatment as a result of an accident
Life-saving emergency measures till the insured person becomes medically stable
Transportation and emergency medical evacuation

Car Insurance

Car insurance policy is mandatory under the Motor Vehicle Act. The policy ensures that the car owner is protected from financial losses, caused by damage or theft to the vehicle and third party liability.

All car insurance policies are annual policies issued for a period of twelve months. You will have to renew the policy before the specified expiry date mentioned on the policy document. There are certain benefits of doing so:

Insured will continue to enjoy no claim bonus
Insured will not have to get inspection done at the time of renewal

An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy.

The Insured will be covered for any liability arising from any accident caused by or arising out of the use of the private car in respect of:

Death or bodily injury to third parties (unlimited liability)
Damage to the third party property (unlimited liability)

No it is not possible to opt for an add-on without a policy. Our add-ons are available only in addition to our car insurance policy.

No, there is no such limit.

Roadside Assistance Cover provides you with the requisite services in the event of breakdown of your vehicle. Below is the list of services that are covered under Roadside assistance:

Breakdown support over phone
Minor Repairs
Flat Tyre
Battery jump start
Arrangement of keys
Towing on breakdown/accident

No Claim Bonus (NCB) is a discount on premium of the own damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on own damage premium for private cars. You can transfer the full benefits of NCB, even when you shift your car insurance from any other Insurance company.

Health Insurance

The bill of hospitalization at any of ICICI Lombard's network providers/ hospitals would be paid directly by ICICI Lombard.

A list of these hospitals/ providers is available on the website of ICICI Lombard (www.icicilombard.com)

For any insured member who is more than 60 years age and/or Sum Insured Rs. 50 Lacs and above.

Admission in network hospital
Fax the pre-authorization form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID)
Review of claim request by Company (as per policy terms & conditions
Claim settlement by Company (as per policy terms & conditions) with the hospital after completion of all formalities

Only available at network hospitals.
Pre-authorization request to be made-at least 48 hours before a planned hospitalization within 24 hours of emergency hospitalization

In the event that your policy is rejected, you can definitely avail of premium reimbursements within 7 working days. However, we would not be able to reimburse your medical check-up expenses.

Critical Illness Insurance

The minimum age of entry is 18 Years and a maximum of 50 years

Maximum Sum Insured that you can avail of is Rs. 25 lacs.

No health check-up required up to 50 years of age.

Tax benefit under Section 80D can be availed.

Personal Accident Insurance

This policy provides your beneficiary with a death benefit in the unfortunate event of your accidental death. It also provides you with cover against Permanent Total Disablement (PTD) on account of an accident.

The minimum age for taking this policy is 18 years and maximum is 80 years.

Life Insurance

Nomination is a right conferred on the life insurance policyholder to appoint a person or persons to receive the policy money in the event of the policy becoming a claim by death. Any policyholder who is a major and the Life Insured under a policy can make a nomination. A nominee is the person designated by the policyholder to receive the proceeds of an insurance policy, upon the death of the insured.

Yes, you can appoint more than one nominee. In case any money is to be paid to the nominees it will be paid equally to the opted nominees.

Yes. You may change your beneficiary at any time till the maturity date of the policy. You need to inform us about the change through the beneficiary change request form.

Future Generali Care Plus is a pure term plan which offers life cover throughout the policy term. It pays death benefit to the nominee in case of an unfortunate death of the life assured.

Step 1: Choose the amount of insurance cover (Sum Assured) you desire under this policy.

Step 2: Choose the duration of cover (Policy Term) and Premium Payment Term as per your convenience from the available options.

Step 3: Get your premium calculated to get a customized quote and fill the application form.

Step 4: Start paying premiums as and when due, to stay financially protected.

Entry age:- 18 to 50 years as on last birthday
Maturity age:- 23 to 85 years as on last birthday

Minimum:- 50 Lac
Maximum:- 2 Crore

The death benefit shall be paid on death of the life assured and the policy shall terminate.

The Death Benefit shall be the highest of the following:

10 times annualized premium (excluding the applicable taxes, rider premiums and underwriting extra premiums, if any), or 105% of total premiums paid (excluding any extra premium, any rider premium and applicable taxes) as on the date of death, or Sum Assured

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Frequently Asked Questions