ICICI Lombard Ride Safe Travel Insurance Plan

ICICI Lombard Ride Safe Travel Insurance Plan provides customers financial protection against accidental and other hospitalization-related medical risks when travelling. One of the best things about this plan is that it provides coverage against different unfortunate circumstances like missed flight, baggage loss due to theft or robbery, etc. We’ve mentioned the key features of this Group Travel Insurance Plan below that you should check.

1. Flexible medical and non-medical covers
2. Hospitalization Expenses Coverage due to an injury
3. Day Care Coverage
4. OPD Expenses cover
5. Ambulance Charges Cover
6. Emergency Evacuation Cover
7. Accidental Benefit Payout
8. Cover against losses due to missed flights
9. Cost of Clothing Damage Cover
10. Loss of Baggage and Personal Effects
11. Financial Emergency Cash
12. Loss of Home Content
13. Collision Damage Waiver

Want to know the features of the ICICI Lombard Ride Safe Travel Insurance Plan in detail? On this page, we will talk about the same that will help you understand this policy better. Let’s start!

Benefits of the ICICI Lombard Ride Safe Travel Insurance Plan in Detail

As we mentioned earlier, ICICI Lombard Ride Safe Travel Insurance Plan helps people in getting financial protection during their travel. To know more about this plan, we have discussed its features extensively that you should check.

What is the Policy Period?

Under this travel insurance plan from ICICI Lombard, the policy period will be the same as the travel period or trip.

Hospitalization Expenses Cover

If an insured member faces an injury due to an accident (during the travel period) that needs hospitalization or day care treatment, the policy will reimburse the expenses incurred on the same up to a specified limit. On accepting the claim under this benefit, the policy will also cover post-hospitalization expenses up to 90 days from discharge. The following hospitalization expenses will be reimbursed.

1. Accommodation, boarding and nursing expenses
2. Diagnostics, tests and/or examination charges
3. Fees of Physician, surgeon or anesthetist
4. Cost of medicines provided by the Hospital /purchased from a registered pharmacy other than the hospital as prescribed by the Medical Practitioner

Note: You can also choose the Mobility Cover Option to get coverage against medical aids, including but not limited to wheelchairs, walking sticks, crutches, etc. due to an accident.

Hospital Daily Allowance

The policy will pay a cash amount daily during hospitalization, provided the insured person faces injuries due to an accident during the travel period. The benefit amount will be given for each completed day of hospitalization.

OPD Treatment Cover

If an insured person needs to undergo OPD Treatment for the injuries faced by him or her due to an accident (During the travel period), the policy will reimburse the costs incurred on such medical expenses.

Ambulance and Emergency Evacuation

If an insured person needs to be transported to the nearest hospital for necessary treatment of injuries (happened due to an accident) via an ambulance, ICICI Lombard Ride Safe Travel Insurance Plan will reimburse the costs incurred on the same up to a specified amount.

Other than this, the policy also reimburses the expenses incurred on air transportation of the insured person during the travel period. The reimbursement will also include the cost of medical care during such transportation in an accident or catastrophe.

Personal Accident Cover

The policy will pay a definite amount if an insured person suffers an injury due to an accident (during the travel period), and the same results in death, permanent total/partial disability or total temporary disability within 365 days from the date of the accident. The benefits amount may vary according to the event.

Ride Safe Travel Insurance Plan also reimburses the loss or damage of clothes (uniform of employees or members of a group) during an accident.

Modification Expense Cover Option

On the payment of an additional premium, you can also get coverage against the expenses incurred on the modification of a home or vehicle resulting from an accident.

Repatriation of Mortal Remains

If an insured member dies during the travel period, the policy will reimburse the costs incurred on transporting the remains of the deceased person back to his/her place or city of residence from the place of death.

Missed Flight

If an insured person fails to reach the departure point due to some emergency or an accident, the policy will reimburse the cost of the booking of the missed common carrier (domestic or international or both) up to a specified limit.

Loss of Baggage and Personal Effects

During the travel period, if an insured person loses his or her luggage and personal professions, the policy will cover the losses incurred on the same.

Financial Emergency Cash and Emergency Hotel Requirement

If an insured member loses his or her travel funds due to theft, loss or robbery, the policy will cover the losses up to a certain limit. Also, this travel insurance plan will reimburse the expenses incurred on the stay of the insured member in a hotel if the insured person or any other passenger (traveling with him or her) is unable to travel.

Loss of Home Content

Under this benefit, the policy will cover the following losses or damages sustained by the insured member during the travel period.

1. Burglary of contents of the property insured and/ or
2. Attempted burglary of the contents of the property up to a specified limit

Mismatch in Carrier Cover

If there is a mismatch in the type of common carrier during your travel period (opposite to what was assured or booked for at a cost), the policy will pay a fixed amount to the insured person.