Frequently Asked Questions
The American Express Advantage:
Dedicated claims and servicing helpline
Priority Claim processing
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. This way, a travel insurance ensures you get complete piece of time and are able to enjoy the journey completely.
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:
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:
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:
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:
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.
The bill of hospitalization at any of Insurer’s network providers/ hospitals would be paid directly by the Insurance company.
For any insured member who is more than 60 years age.
1) Admission in network hospital
2) Fax the pre-authorization form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID)
3) Review of claim request by Company (as per policy terms & conditions
4) 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:
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.
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.
Life log renewal
No health check-up required till 50 years of age.
Tax benefit under Section 80D can be availed.
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. There is Lifelong Renewability under the Policy in the absence of a claim.
If you have to make an insurance claim, it can be a very stressful time, especially when your life’s already busy.
You can find all the information you need to make a claim here.
The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.
The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions, and exclusions, please read the policy wordings carefully before concluding a sale.
General Insurance is underwritten by ICICI Lombard General Insurance Company Ltd. ICICI Lombard has its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivanayak Temple, Prabhadevi, Mumbai - 400025. IRDAI Reg No. 115. Bank's customer participation in the policy is entirely voluntary. Toll Free No. 1800 2666. Fax No 02261961323. CIN U67200MH2000PLC129408.
This information is provided by American Express Services India Private Limited (AESIPL), having its Principal Office at Metropolitan-Saket 7th Floor, Office Block, District Centre, Saket, New Delhi – 110017. Insurance Regulatory and Development Authority of India has authorized American Express Services India Private Limited (AESIPL) to act as a Corporate Agent from 1st April, 2022 to 31st March, 2025 for soliciting and procuring General Insurance business under Registration No. CA0194. The contents of this message (including any attachments) and the contents there of are attributable solely to ICICI Lombard General Insurance Company Limited ("Insurance Company'). No part of the same is either directly or indirectly, attributable to AESIPL. AESIPL does not accept any responsibility for ICICI Lombard/Bharti AXA's actions or decisions. AESIPL holds no warranty & makes no representation about claims processing. Insurance Company is liable to claims processing as per the terms and conditions of this Policy. In this role, AESIPL does not act as an agent or fiduciary for the insured, and may act on behalf of the insurance provider (as its agent or otherwise), as permitted by law. Please be aware that we receive up to 15% of the premium as commissions for all Non-Life insurance products from provider as per Insurance Regulatory and Development Authority of India guidelines.
The contract of insurance will be between insurance company and the Insured, and not between AESIPL and the Insured. AESIPL is acting merely as the Corporate Agent of insurance company. Your participation in this product is purely on a voluntary basis.
ICICI Lombard Complete Health Insurance: Misc 128, Personal Protect - 4111, Motor - Motor 01, International Travel - Misc 129, Smart Drive Private Car Insurance Policy - IRDAN139RP0032V01200809, Smart Traveler Insurance Policy (Individuals & Families) - IRDA/NL-HLT/BAXAGI/P-T/V.I/222/13-14, Smart Plan House Holders Package Policy - IRDAN139P0002V01200910, Group Health Insurance Policy - BHAHLGP21459V022021
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