For Buy/ Renew/ Service/ Claim related queries Log on to [Link].

com or call 1800 2666

TripSecure+ Policy Wordings

PART II OF THE POLICY SCHEDULE
ICICI Lombard General Insurance Company Limited (“the a) Internal Congenital Anomaly
Company”), having received a Proposal and the premium 
Congenital anomaly which is not in the visible and
from the Proposer named in Part I of the Policy (hereinafter accessible parts of the body.
referred to as Policy Schedule), and the said Proposal and
Declaration together with any statement, report or other b) External Congenital Anomaly
document leading to the issue of this Policy and referred to Congenital anomaly which is in the visible and
therein having been accepted and agreed to by the Company accessible parts of the body
and the Proposer as the basis of this contract do, by this Policy
 o-Payment: means a cost sharing requirement
C
agree, in consideration of and subject to the due receipt of the
under a health insurance policy that provides that the
subsequent premiums, as set out in the Policy Schedule with
policyholder/insured will bear a specified percentage of
all its Parts, and further, subject to the terms and conditions
the admissible claims amount. A co-payment does not
contained in this Policy, that on proof to the satisfaction of the
reduce the Sum Insured.
Company of the compensation having become payable as set
out in the Policy Schedule to the title of the said person or “Condition Precedent” means a policy term or condition

persons claiming payment or upon the happening of an event upon which the Insurer’s liability under the policy is
upon which one or more benefits become payable under this conditional upon.
Policy, the Sum Insured/ appropriate benefit will be paid by Day Care Centre:
the Company
means any institution established for day care treatment
PART II OF THE POLICY of illness and/or injuries or a medical setup with a hospital
1. DEFINITIONS and which has been registered with the local authorities,
wherever applicable, and is under supervision of a
For the purposes of this Policy, the terms specified below
registered and qualified medical practitioner AND must
shall have the meaning set forth wherever appearing
comply with all minimum criterion as under –
/ specified in this Policy or related Add-ons/Optional
Covers: Where the context so requires, references to the i) has qualified nursing staff under its employment;
singular shall also include references to the plural and ii) has qualified medical practitioner/s in charge;
references to any gender shall include references to all
iii) 
has fully equipped operation theatre of its own
genders. Further any references to statutory enactment
where surgical procedures are carried out;
include subsequent changes to the same.
iv) maintains daily records of patients and will make
I Standard Definitions
these accessible to the insurance company’s
 ccident means sudden, unforeseen and involuntary
A authorized personnel.
event caused by external, visible and violent means.
Day Care Centre includes an AYUSH Day Care Centre as
“Any one Illness” means continuous period of Illness
 defined below:
and it includes a relapse within 45 days from the
AYUSH Day Care Centre: AYUSH Day Care Centre means

date of last consultation with the Hospital/Nursing
and includes Community Health Centre (CHC), Primary
Home where treatment may have been taken.
Health Centre (PHC), Dispensary, Clinic, Polyclinic or
AYUSH Treatment refers to the medical and / or
 any such health centre which is registered with the local
hospitalisation treatments given under Ayurveda, authorities, wherever applicable and having facilities
Yoga and Naturopathy, Unani, Siddha and for carrying out treatment procedures and medical or
Homeopathy systems. surgical/para-surgical interventions or both under the
“Break in policy” means the period of gap that occurs
 supervision of registered AYUSH Medical Practitioner (s)
at the end of the existing policy term / installment on day care basis without in-patient services and must
premium due date, when the premium due for comply with all the following criterion:
renewal on a given policy or installment premium i. Having qualified registered AYUSH Medical
due is not paid on or before the premium renewal Practitioner(s) in charge;
date or grace period.
ii. Having dedicated AYUSH therapy sections as
Cashless facility: means a facility extended by the
 required and/or has equipped operation theatre
insurer to the insured where the payments, of the where surgical procedures are to be carried out;
costs of treatment undergone by the insured in
iii. Maintaining daily records of the patients and
accordance with the policy terms and conditions, are
making them accessible to the insurance company’s
directly made to the network provider by the insurer
authorized representative
to the extent pre-authorization is approved.
Day Care Treatment:
 ongenital Anomaly means a condition which
C
is present since birth, and which is abnormal with 
means medical treatment, and/or surgical procedure
reference to form, structure or position. which is:

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

i. undertaken under General or Local Anesthesia in a iv. 

has a fully equipped operation theatre of its own
hospital/day care center in less than 24 hrs because where surgical procedures are carried out;
of technological advancement, and v. maintains daily records of patients and makes these
ii. which would have otherwise required hospitalization accessible to the insurance company’s authorized
of more than 24 hours. personnel.
Treatment normally taken on an out-patient basis is not Hospital includes an AYUSH Hospital as defined below:
included in the scope of this definition. “AYUSH Hospital” An AYUSH Hospital is a healthcare
Deductible: facility wherein medical/surgical/para-surgical treatment

means a cost sharing requirement under a health procedures and interventions are carried out by AYUSH
insurance policy that provides that the insurer will not be Medical Practitioner(s) comprising of any of the following:
liable for a specified rupee amount in case of indemnity a. Central or State Government AYUSH Hospital; or
policies and for a specified number of days/hours in case b. Teaching hospital attached to AYUSH College
of hospital cash policies which will apply before any recognized by the Central Government/Central
benefits are payable by the insurer. A deductible does not Council of Indian Medicine/Central Council for
reduce the Sum Insured. Homeopathy; or
Dental Treatment: c. AYUSH Hospital, standalone or co-located with in-

means a treatment related to teeth or structures patient healthcare facility of any recognized system
supporting teeth including examinations, fillings (where of medicine, registered with the local authorities,
appropriate), crowns, extractions and surgery. wherever applicable, and is under the supervision
Disclosure to information norm: of a qualified registered AYUSH Medical Practitioner
and must comply with all the following criterion:
Means the policy shall be void and all premium paid
thereon shall be forfeited to the Company in the event of i. Having at least 5 in-patient beds;
misrepresentation or established fraud, or non-disclosure ii. Having qualified AYUSH Medical Practitioner in
of any material fact. charge round the clock;
Emergency Care: iii. Having dedicated AYUSH therapy sections as
means management for an illness or injury which results required and/or has equipped
in symptoms which occur suddenly and unexpectedly, iv. operation theatre where surgical procedures are
and requires immediate care by a medical practitioner to be carried out;
to prevent death or serious long term impairment of the v. Maintaining daily records of the patients and
insured person’s health. making them accessible to the insurance
Grace Period: company’s authorized representative.
Grace period means the specified period of time “Hospitalization” means admission in a hospital
immediately following the premium due date during which for a minimum period of 24 consecutive
a payment can be made to renew or continue a policy in “in-patient care” hours except for specified
force without loss of continuity benefits such as waiting procedures/ treatments, where such admission
periods and coverage of pre-existing diseases. Coverage could be for a period of less than 24 consecutive
is not available for the period for which no premium is hours
received. 
“Hospitalization” means admission in a hospital for a
The grace period for payment of the premium for all types minimum period of 24 consecutive “in-patient care” hours
of insurance policies shall be fifteen days where premium except for specified procedures/ treatments, where such
mode is monthly and thirty days in all other cases. admission could be for a period of less than 24 consecutive
hours.
Provided the insurers shall offer coverage during the
grace period, if the premium is paid in instalments during Illness:
the policy period. Illness means a sickness or a disease or pathological
“Hospital” - A hospital means any institution established condition leading to the impairment of normal physiological
for in-patient care and day care treatment of Illness and/ function and requires medical treatment.
or injuries and which has been registered as a hospital (a) A
 cute condition - Acute condition is a disease, illness
with the local authorities under the Clinical Establishments or injury that is likely to respond quickly to treatment
(Registration and Regulation) Act, 2010 or under the which aims to return the person to his or her state
enactments specified under the Schedule of Section 56(1) of health immediately before suffering the disease/
of the said Act or complies with all minimum criteria as illness/ injury which leads to full recovery
under: (b) C
 hronic condition - A chronic condition is defined as
i. has qualified nursing staff under its employment a disease, illness, or injury that has one or more of the
round the clock; following characteristics:
ii. has at least 10 in-patient beds in towns having a 1. it needs ongoing or long-term monitoring through
population of less than 10,00,000 and at least 15 consultations, examinations, check-ups, and /or
inpatient beds in all other places; tests
iii. has qualified medical practitioner(s) in charge round 2. it needs ongoing or long-term control or relief of
the clock; symptoms

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

3. it requires rehabilitation for the patient or for the not been insured and no more than other hospitals or
patient to be specially trained to cope with it doctors in the same locality would have charged for the
4. it continues indefinitely same medical treatment.
5. it recurs or is likely to recur “Medical Practitioner” is a person who holds a valid
registration from the Medical Council of any State or
Injury:
Medical Council of India or Council for Indian Medicine
means accidental physical bodily harm excluding illness or for Homeopathy set up by the Government of India or
or disease solely and directly caused by external, violent, a State Government and is thereby entitled to practice
visible and evident means which is verified and certified medicine within its jurisdiction and is acting within
by a Medical Practitioner. the scope and jurisdiction of license. The term Medical
“Inpatient care” means treatment for which the Insured
 Practitioner includes a physician, specialist and surgeon,
person has to stay in a hospital for more than 24 hours for provided that this person is not a member of the Insured/
a covered event. Insured Person’s family who includes Father, Mother,
“Insured(s)/ Insured Person(s)” shall mean the person(s)
 Father-inlaw, Mother-in-law, Son, Daughter, Son-in-law,
whose name(s) are specifically appearing as such in the Daughter in-law, Brother or Sister. For the purposes of
Policy Schedule. worldwide cover, Medical practitioner would mean a
person who holds a valid registration from the Medical
Intensive Care Unit (ICU): council of the respective country where the treatment is
Intensive care unit means an identified section, ward or being taken by the Insured
wing of a hospital which is under the constant supervision 
“Network Provider” means hospitals or health care
of a dedicated medical practitioner(s), and which is providers enlisted by an Insurer, TPA or jointly by an
specially equipped for the continuous monitoring and insurer and TPA to provide medical services to an Insured
treatment of patients who are in a critical condition, or by a cashless facility.
require life support facilities and where the level of care
and supervision is considerably more sophisticated and 
“Non- Network Provider” means any hospital, day care
intensive than in the ordinary and other wards. centre or other provider that is not part of the network.
ICU Charges: 
“Notification of claim” means the process of intimating a
claim to the Insurer or TPA through any of the recognized
means the amount charged by a Hospital towards ICU modes of communication.
expenses which shall include the expenses for ICU bed,
general medical support services provided to any ICU OPD treatment:
patient including monitoring devices, critical care nursing OPD treatment means the one in which the Insured visits
and intensivist charges. a clinic / hospital or associated facility like a consultation
Maternity expenses: room for diagnosis and treatment based on the advice of
a Medical Practitioner. The Insured is not admitted as a
lt means; day care or in-patient.
a) medical treatment expenses traceable to childbirth “Pre-existing Disease” means any condition, ailment,
(including complicated deliveries and caesarean injury or disease:
sections incurred during hospitalization);
a. that is/are diagnosed by a physician not more than
b) 
expenses towards lawful medical termination of 36 months prior to the date of commencement of the
pregnancy during the policy period. policy issued by the insurer; or
Medical Advice: b. 
for which medical advice or treatment was
means any consultation or advice from a Medical recommended by, or received from, a physician,
Practitioner including the issue of any prescription or not more than 36 months prior to the date of
follow-up prescription. commencement of the policy.

“Medically Necessary treatment” means any treatment, “Qualified Nurse” means a person who holds a valid
tests, medication, or stay in hospital or part of a stay in registration from the Nursing Council of India or the
hospital which: Nursing Council of any state in India. In case of Overseas
i. is required for the medical management of the Illness Policy, “Qualified nurse” shall mean a person who holds a
or Injury suffered by the Insured; valid registration from the local authorities.
ii. 
must not exceed the level of care necessary to Renewal:
provide safe, adequate and appropriate medical care Renewal means the terms on which the contract of
in scope, duration, or intensity; insurance can be renewed on mutual consent with
iii. must have been prescribed by a medical practitioner, a provision of grace period for treating the renewal
iv. must conform to the professional standards widely continuous for the purpose of gaining credit for pre-
accepted in international medical practice or by the existing diseases, time-bound exclusions and for all
medical community in India. waiting periods.
Medical Expenses: “Reasonable and Customary charges” means the charges
for services or supplies, which are the standard charges
Medical Expenses means those expenses that an Insured for the specific provider and consistent with the prevailing
Person has necessarily and actually incurred for medical charges in the geographical area for identical or similar
treatment on account of Illness or Accident on the advice services, taking into account the nature of the Illness /
of a Medical Practitioner, as long as these are no more Injury involved.
than would have been payable if the Insured Person had

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Room Rent: the above shall mean any Illness lasting for more than 3
Room Rent means the amount charged by a Hospital months.
towards Room and Boarding expenses and shall include “Close Relative” means parents, lawful spouse, children,

the associated medical expenses. siblings or in-laws, including step parents and step
“Subrogation” means the right of the insurer to assume children.
the rights of the Insured person to recover expenses paid “Comatose State/ Coma” is a state of unconsciousness,

out under the Policy that may be recovered from any other whereby a person is not able to respond to external stimuli
source. and cannot initiate voluntary actions.
Surgery or Surgical Procedure: “ Common Carrier” or “Public Carrier” or “Carrier” means
any
Surgery or Surgical Procedure means manual and / or
operative procedure (s) required for treatment of an a. Any bus, cab, coach, ferry, helicopter, hovercraft,
illness or injury, correction of deformities and defects, hydrofoil, ship, taxi, tram, monorail or train or any
diagnosis and cure of diseases, relief from suffering and other vehicle provided and operated by a carrier duly
prolongation of life, performed in a hospital or day care licensed for the regular transportation of fare paying
centre by a medical practitioner. passengers and/or cargo; and
Unproven/Experimental treatment: b. Any aircraft provided and operated by an airline or
an air charter company which is duly licensed for
Unproven/Experimental treatment means the treatment
the regular transportation of fare paying passengers
including drug experimental therapy which is not based
and/or cargo
on established medical practice in India, is treatment
experimental or unproven. “Contents”
Specific Definitions In so far as it relates to household (Contents of Property
insured), it shall mean the following equipment’s not

“Air Travel” shall mean travel by an airline/aircraft,
used for business purposes and owned by the Insured
licensed by the competent authority for the purpose of
or his family or for which the Insured and/or his family is
flying therein as a Fare paying passenger.
legally responsible for – electronic equipment, household
“Alternative treatments” are forms of treatments other
 appliances, house hold goods such as furniture, kitchen
than treatment “Allopathy” or “modern medicine” or utensils, fixtures, fittings and interior decorations, personal
Ayurveda, Unani, Siddha and Homeopathy (AYUSH) effects such as clothes and other articles of personal
treatments in the Indian context. nature likely to be worn, used or carried but excluding
“Assistance Service Provider (ASP)” means such person money but including jewelry and valuables. The term shall
or persons as may be appointed by the Company from exclude cash and/or currency and/or cheques.
time to time to provide assistance to the Insured in terms a. in so far as it relates to Checked-In Baggage or
of this Policy. baggage & personal effects, it shall mean and include
“Baggage and Personal Effects” means luggage and
 any and all items other than Valuables contained
personal possessions like hand baggage, cabin baggage in the Checked-in Baggage or baggage & personal
or any other baggage whether belonging to and/or in the effects.
lawful custody of the Insured during the Trip. “Country of Residence of the Insured” shall mean the
“Burglary” means any theft following upon actual, forcible
 country, Insured is normally residing in currently, and/or
and violent entry of and / or exit from the premises or declared as the Residential Address of the Insured in the
rented vehicle with intent to commit a felony and includes Policy Schedule. It need not be the same as the country
housebreaking. of origin of the Insured or the country whose citizen the
Insured is.
“Checked-In Baggage” means the baggage entrusted

by the Insured and accepted by a Common Carrier/Public “Cruise” means any civilian water conveyance operated

Carrier for transportation for which a baggage receipt under a valid license for the transportation of fare paying
is issued to the Insured by the Common Carrier/Public passengers under a valid ticket.
Carrier. This shall exclude all the items that are carried/ “Dentist” means the insured’s attending dentist or

transported under a contract of affreightment. surgeon who is registered or licensed to practice dentistry
As soon as the checked-in baggage is delivered by the under the laws of the country in which they practice, other
Common Carrier/Public Carrier against surrender of the than the policyholder; or the insured; or a close relative of
receipt to the Insured, it shall be considered as Baggage the insured, or a member of the immediate family of the
and Personal Effects of Insured. insured; or an employee of the policy holder.

“ City of Residence of the Insured” shall mean and include “Dependent Child(ren)” means an insured and their

any city, town or village in which the Place of Residence of Spouse’s legal child(ren) (including step or legally adopted
the Insured is normally/usually located. child(ren)) as long as they are under nineteen (19) years
of age or under twenty-five (25) years of age while they
“Civil Unrest, Riot or Commotion” means a gathering
 are full-time students at an accredited institution of higher
of persons (organized or unorganized) in disturbance of learning and in either case, are primarily dependent upon
the public peace, with the presence of violence, threats of the Insured for maintenance and support. Dependent
violence or the action of any lawfully constituted authority Child/Children also means an Insured’s legal Child/Children
to suppress or attempt to suppress any such gathering. of any age who are permanently living with the insured
“ Chronic Illness” means any Illness that is long-lasting and are Permanently mentally or physically incapable of
and / or permanent Illness. Long-lasting in relation to self-support.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

“ Disease” shall mean an affliction of the bodily organs rallying, Mountain biking, Mountain Boarding, Mountain
having a defined and recognized pattern of symptoms that Running, Mountaineering/ Rock climbing, Orienteering
first manifests itself during the Period of Insurance and for (Involving climbing), Parachuting, Paragliding/
which immediate treatment by a Medical Practitioner is Parapenting, Parasailing, Parascending (Over land and
necessary. water), Parkour/Parcours/Free Running, Piloting aircraft
“Electronic Equipment” means any computer (including or learning to pilot an aircraft, Point to Point, Polo, Power
but not limited to laptops, notebooks and tablets), mobile boat racing, Powerlifting, Quad biking/all terrain vehicles,
phones, global positioning devices, personal music/ Rifle range shooting, River boarding, River boardings,
recording/gaming devices, cameras and other electronic River bugging, Rock scrambling, Rodeo, Roller hockey,
items of a similar nature as deemed by Us, which are Rugby, Running of the bulls, Safari tours, Sail boarding
intended for either personal or business use. (racing/high speed), Sailing, Sand boarding, Scuba Diving,
Shark feeding/cage diving, Skate boarding, Ski acrobatics,

“Emergency” shall mean a medical condition of the Ski doo Ski jumping, Ski racing, Sky diving, Small bore
Insured, arising out of a severe Illness or Injury contracted target shooting, Snorkeling, Snow mobiling, Snow Skiing,
or sustained by the Insured which results in symptoms Snowboarding, Speed trials/ Time trials, Steeple Chasing,
which occur suddenly and unexpectedly, and requires Surfing, Team Sports played in competitive contest,
immediate medical treatment by a Medical Practitioner Tomb stoning/cliff diving/quarry diving, Trial bike riding,
to prevent death or serious long term impairment of the Triathlon, Tubing on snow, Tubing, Wakeboarding, War
Insured Person’s health. games(non-armed forces), Water skiing or Water Ski
“Family” means the Insured, his/her lawful spouse and
 jumping, Weight Lifting, Wrestling, White or black water
their dependent child(ren), parents, in-laws and siblings rafting, White water kayaking, Wind surfing, Yachting, Zip
“Financial Emergency” shall mean a situation faced by Line, Zorbing and Hydro-zorbing and activities of similar
the Insured wherein the Insured Person accidentally loses nature.
all or a substantial amount of Money (money, travelers “Hijack” means any unlawful seizure or exercise of control,

cheque, debit card, forex card or credit cards etc. issued by force or violence or threat of force or violence and with
in favor of the Insured) available with him and needed for wrongful intent, of the Common Carrier/Public Carrier in
proceeding with his next schedule of activities and more which the Insured is traveling.
particularly proceeding with his Trip further. The term “Hold-up” means a robbery carried out using violence or

shall not mean any emergency situation encountered by the threat of violence. Eg. Robbery carried out at gunpoint
him by causes other than all or substantial loss of Money.
The term shall exclude all situations where a Financial “Immediate Family Member” shall mean an Insured’s

Emergency is not felt as an immediate and instantaneous lawful spouse; parents and children including stepchildren
development and/or is not consequential to the of loss of and children legally adopted by the Insured (below 19
Money. years) or children under twenty five (25) years of age while
they are full-time students at an accredited institution of
“Geographical Scope of Cover” shall mean the
 higher learning and in either case are primarily dependent
country(ies) or geographical boundaries in which the upon the insured for maintenance and support ; siblings;
coverage under the Policy is valid. parents; sister(s) in law, brother(s) in law; parents-in-law;
“Hazardous Activities” or “Adventure Sports” shall legal guardian; ward; step-parents, half-brother, half-
mean any sport or activity which is dangerous to the sister, fiancé(e), niece, nephew, uncle, aunt, grandparent
Insured Person whether he/she is trained, or not. These or grandchild
activities shall be considered to be hazardous irrespective “Inpatient Treatment” means any medical treatment

of the safety precautions taken while undergoing these rendered to the Insured at a Hospital in connection with
activities/sports. Such sport/Activity includes, but is any Injury or Illness resulting in Hospitalization.
not limited to, Abseiling, Adventure racing, Animal
Conservation/ Game Reserve, Archery, Base jumping, “Insurable Event” shall mean an event, loss or damage for
Bicycle touring, Big game hunting, Black water rafting, which the Insured shall be compensated under this Policy.
Biathlon, BMX Stunt/ Obstacle riding, Bobsleighing/ using “ Kidnap” means to seize and detain an individual or carry
Skeletons, Bouldering, Boxing, Bull-fighting, Canyoning, away by unlawful force or fraud and often with a demand
Bungee jumping, Cave tubing/ Cave Diving, Caving/ Pot for ransom
holing, Clay Pigeon Shooting, Climbing/ Trekking/Walking “Theft ” means the unlawful taking of personal property

over 2,000 meters altitudes, Cross Channel, Swimming, with intent to deprive the rightful owner of it permanently
Cycle Racing, Cyclo cross, Drag racing, Dry/Desert/Dune
Skiing/Bashing, Endurance testing, Fencing, Field hockey, “Life Threatening Medical Condition” refers to a medical
Flying as a pilot, Free Diving/ No Limits Driving, Gaelic condition suffered by the insured which has the following
Football, Gliding, Gymnastics, Hang gliding, Heptathlon, characteristics:
Harness racing, Heli Skiing/ Boarding, High diving (above 1. Markedly unstable vital parameters (blood pressure,
5 meters), Horse racing, Horse riding and Jumping, Hot pulse, temperature and respiratory rate)
air ballooning, Hunting on Horseback, Hunting/Shooting, 2. Acute impairment of one or more vital organ systems
Hurling, Ice and Street Hockey, Ice climbing, Ice skating, Ice (involving brain, heart, lungs, Liver, Kidneys and
speedway, Jet boating, Jet Skiing, Jousting, Judo, Karate, pancreas)
Kayaking, Kendo, Kite Skiing, Kite Surfing/Land boarding/
buggying, Lacrosse Luge/ Tobogganing, Luging, Manual 3. 
Critical care being provided, which involves high
Labour, Marathon running, Martial Arts, Micro – lighting, complexity decision making to assess, manipulate
Modern pentathlon, Motor cycle racing (All types), Motor and support vital system function(s) to treat single
or multiple vital organ failure(s) and requires

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

interpretation of multiple physiological parameters processes of the Earth. Natural calamities/Natural

and application of advanced technology disaster(s) include earthquakes, tsunamis, volcanic
4. Critical care being provided in critical care area such eruptions, landslides, hurricanes, floods, wildfires, fog,
as coronary care unit, intensive care unit, respiratory heat waves and droughts etc. They have an immediate
care unit, or the emergency department. impact on human lives and often result in the destruction
of the physical, biological and social environment of the
“Loss” means items which are unrecoverable due to
 affected people, thereby having a longer-term impact on
circumstances outside the control of the Policyholder or their health, well-being and survival.
insured.
“Nominee” means the person(s) nominated by the Insured
“Major Travel Event” means Person to receive the benefits under this Policy payable on
a. Natural Disasters like avalanches, land-slides, floods, the death of the Insured Person caused by an Accident.
hurricanes, tornadoes, blizzards, cyclones, volcanic For the purpose of avoidance of doubt it is clarified that
eruptions, earthquakes, forest fire, tsunamis etc if the Insured Person is a minor, his legal guardian shall
b. Epidemic or pandemic as at a Phase 4 (According to appoint the Nominee.
WHO, Phase 4 is characterized by verified human- Notification of Claim means the process of intimating

to-human transmission of an animal or human- a claim to the insurer or TPA or ASP through any of the
animal influenza reassortant virus able to cause recognized modes of communication.
“community-level outbreaks.” The ability to cause “Period of Insurance” shall mean in relation to a:
sustained disease outbreaks in a community marks 1. Multi-trip, the period between:
a significant upwards shift in the risk for a pandemic)
level or higher as declared by the World Health • 
Date of Commencement of Insurance cover
Organization or for which a warning against which a mentioned in the Policy Schedule or the actual
non- essential travel warning is issued by the country date on which the Insured first boards the mode
of Port of Origin or the country of Port of Destination of transportation by which it is intended that
he/she shall finally leave the City of Residence
c. Major industrial accident or Place of Origin in the Country of residence
d. 
Civil Unrest, Riot or Commotion resulting in (Overseas Policy) , whichever is later and
cancellation of scheduled Common Carrier/Public • Date of expiry of Insurance cover as mentioned in
Carrier services or in a relevant government warning the Policy Schedule or the actual date on which
against non-essential travel the Insured returns to the City of Residence or
e. Any event leading to air space or multiple airport Place of Origin or Place of Destination, whichever
closures. is applicable or full utilization of the maximum
“Medical Evacuation” means immediate transportation number of travel days, whichever is earlier
of the Insured suffering an Injury or Illness to the nearest Subject to maximum trip duration as mentioned
Hospital where appropriate medical treatment can be in the Policy Schedule.
obtained, Scenarios which necessitates the Medical 2. Round-trip, the period between:
Evacuation of the Insured are: 
The date when the cover starts when the Insured
i. Current hospital where Insured is taking treatment leaves his/her City of Residence on the trip start
is not equipped enough or lack facilities to carry out date and time or start date and time of the period
further treatment of the Insured of insurance (whichever is later). It continues until
ii. 
Insured suffering an Injury or Illness is stuck or the expiry date and time of the policy or on the date
stranded in a remote area which lacks Hospital and and time, when the Insured returns to his/her city of
the Insured has to be transported to the nearest residence whichever is earlier
Hospital on an Emergency basis Subject to maximum trip duration as mentioned in the
“Minor Child(ren)” are the child(ren) of the Insured Policy Schedule.
including stepchild/ stepchildren of the Insured and child/ 3. Single-trip the period between:
children legally adopted by the Insured below the age of The date when the cover starts when the Insured
19 years. starts the insured trip or start date and time of the
“Missed Flight/Common Carrier/ Public Carrier” shall period of insurance (whichever is later). It continues
mean the failure of the Insured to travel by a flight or a until the expiry date and time of the policy or the
Common Carrier/ Public Carrier being part of the covered time when the Insured reaches his/her destination,
Trip. whichever is earlier.
“Money” means coins, bank notes, postal and money
 Subject to maximum trip duration as mentioned in the
orders, travellers’ and other cheques, letters of credit, Policy Schedule.
automatic teller machine cards, credit cards, petrol and “Place of Destination” means the destination place of
other coupons etc. in the possession or control of the the journey of the Insured, forming part of the Trip
insured. “ Place of Origin” means the starting point / place from
“Mugging” shall mean a violent, unprovoked assault or
 where the Insured’s Trip is scheduled to be undertaken
attack by someone upon the Insured covered in this Policy, “Place of Residence of the Insured” means the dwellings

especially with the intent to rob the Insured. the Insured is normally residing in currently, and/or
“Natural Calamities/Natural Disaster(s)” would be any
 declared as the residential address of the Insured in Part I
major adverse event resulting from the natural geological of the Policy Schedule.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

“Policy” means Insured’s proposal, the Policy Schedule

 first-hand, repeated, or extreme exposure to aversive
and other parts of the Policy, Company’s covering letter to (unpleasant) details of the traumatic event (does not learn
the Insured and any endorsement attaching to or forming about it through media, pictures, television, or movies,
part hereof, either at inception or during the Period of except for work-related events)
Insurance. “Travel Agent” means an agent, tour operator, or any
“Policyholder” means the person(s) or the entity named
 entity from which the Insured purchases his travel
in Policy Schedule of this Policy who executed the arrangements, and includes all officers, employees, and
Policy Schedule and is (are) responsible for payment of affiliates of such agent or tour operator or any entity.
premium(s) on behalf of the Insured Person or otherwise. “Traveling Companion” means an individual or individuals
“Professional Sport” is a sport activity in which traveling with the Insured during the Period of Insurance,
participant who is not an amateur, gets paid or rewarded provided that, the Insured and such individual(s) are
or remunerated. The said sports activity is a full time traveling to the same destination on the same dates
occupation for an individual and by which an individual and provided that such individual(s) is/are also Insured
makes most of his/her livelihood. under the Policy. For the purpose of this definition, any
“Quarantine” means isolation at the place of visit of an
 individual(s) forming part of a group traveling on a tour
individual due to diagnosis of the disease whilst on an arranged by a travel agent or a tour leader, including
Insured Journey provided such disease has been declared MICE (Meetings, Incentives, Conferences and Exhibitions)
as a pandemic. travels, is not considered as Traveling Companion, unless
the individual(s) is part of the Insured’s Immediate Family
“Robbery” means the act of taking person’s belongings

Member as defined herein.
away by force or by violence or threat
“Travel Documents” shall include passports, travel

“ Retraining” refers to the process of acquiring additional
tickets, visas, entry permits and other similar documents
skills to obtain employment and it does not include formal/
of similar nature as deemed by Us.
higher education
“Trip” shall mean and include all journeys undertaken

“Semi-Professional Sport” is a sport activity in which

from a port at the City of Residence or Place of Origin of
participant who is not an amateur, gets paid or rewarded
the Insured to the Place of Destination or return to the City
or remunerated. However, the said sports activity is not a
of Residence or Place of Origin of the Insured, except as
full time occupation for an individual.
specifically defined elsewhere under this Policy.
“Sponsor” as used in the policy shall mean any individual

“Single-trip” shall mean journey undertaken by the
i. 
responsible for paying the tuition fees of the student of
Insured during the Period of Insurance from a port at
his full time study in a registered educational institution
the City of Residence or Place of Origin to the Place
outside of his home country
of Destination. Journey shall be deemed completed
“Sports Equipment” shall mean any equipment that is
 when insured reaches the Place of Destination as
essential to complete the sport, including but not limited specified in Part I of the Policy Schedule
to bats, racquets, balls, goal posts, nets, skis, roller skates
“Round-trip” shall mean and include one round
ii. 
and etc.
Trip undertaken by the Insured during the Period of
“ Sum Insured” means the maximum amount of coverage Insurance from a port at the City of Residence or
in respect of the claims during the Period of Insurance in Place of Origin of the Insured on or after the date of
connection with each of the items of coverage, as specified commencement of the cover and returning to the City
in Part I of the Schedule to this Policy. of Residence or Place of Origin of the Insured, as the
“Sound Natural Tooth” means natural tooth that either case may be, on or before the expiry of the insurance
is unaltered or is fully restored to its normal function, is cover. Journey shall be deemed completed when
Disease-free and has no decay. insured reaches the Place of Destination or Place of
“Spouse” means an Insured Person’s legally wedded
 Origin as specified in Part I of the Policy Schedule
husband or wife “Multi-trip” shall mean one or more Trips undertaken
iii. 
“Terminal Condition” means a terminal illness that has
 by the Insured during the Period of Insurance from
the life expectancy of less than 12 months a port at the City of Residence or Place of Origin of
the Insured and returning to the City of Residence or
“Terrorism” is any act “intended to cause death or Place of Origin of the Insured, subject to Maximum
serious bodily harm to civilians or non-combatants with Trip Duration as specified in the Policy Schedule.
the purpose of intimidating a population or compelling Applicability of medical covers in case of a multi trip
a government or an international organization to do or policy will be throughout the trip duration and per trip
abstain from doing any act”. coverage for trip related covers as per the number of
“Trauma” is described as a person’s emotional response
 trips undertaken throughout the policy period
to an extremely negative (disturbing) event. Trauma can Illustration
be triggered by exposure to actual or threatened death,
serious injury or sexual violation. Such exposure must Multi Trip Max:
result from one or more of the following situations, in 1. Limiting maximum duration covered in one single
which the individual directly experiences the traumatic trip during the policy period (i.e. 1 year)
event, witnesses the traumatic event in person, learns 2. 
There is a capping on maximum duration of
that the traumatic event occurred to an Immediate family one trip, i.e. 15, 30, 45, 60, 90 and 120 days.
member or close friend (with the actual or threatened The customer can go on for any number of trips
death being either violent or accidental) , experiences, subject to capping on duration of one trip

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Multi Trip Total: “We/ Our / Us / Company” means the ICICI Lombard

1. Limiting total number of travel days Insured will General Insurance Company Limited.
be covered during policy period of 1 year “ You / Your” means the person named as the policyholder/
2. Under this option, the insured can choose the Insured /Insured person in the Policy Schedule and who is
total number of travel days that insured will be responsible for payment of premium
covered during a trip while insured can travel any SCOPE OF COVER
number of times during the policy period. The 
The Company hereby agrees, subject to the terms,
plan can constitute total number of travel days exclusions and conditions herein contained or otherwise
as 10, 15, 30, 45, 60, 90, 120, 150 and 180 days expressed herein, to compensate the Insured for any
and can go for any number of trips during the loss or damage sustained or incurred by the Insured and
policy period. as described under different Covers hereunder but not
For all common carriers/ public carriers excluding exceeding the Sum Insured as applicable to the respective
flights, Trip shall start when the Insured boards the Sections as specified in the Policy Schedule.
common carrier/ Public Carrier. For flights, Trip shall The Deductible as indicated against each Section in the
start when the Insured completes the check-in of the Policy Schedule shall be borne by the Insured in respect of
scheduled flight of the insured trip. each claim or series of claims arising out of one event.
“Trip Duration” means the time period commencing
  ll covers in this policy might be subject to co-pay,
A
from the date when the Insured travels out of the City of co-insurance wherever necessitated by the Insured,
Residence or Place of Origin of the Insured and ending and subject to acceptance by Us and consequent
on the date of return to the City of Residence or Place of incorporation of the same in Part I of the Policy Schedule.
Origin or Place of Destination of the Insured, as the case
may be, both days inclusive and calculated according to 
Please Note – For all International trips, Boarding Pass,
the local time of the Country of Residence of the Insured. tickets, Copy of Passport, visa with entry and exit stamp
shall be a mandatory claim document.
“Unforeseen Events/Illness” are those events which
cannot be anticipated or predicted and does not include In the event of a contingency resulting in occurrence of
acute exacerbation of pre-existing conditions/disease/ an event that may give rise to a claim, the Insured or his
illness or pre-existing condition in itself. / her representatives shall immediately report the same
to the Assistance Service Provider (In case of Overseas
“Valuables” shall mean: Policy) / TPA / In-house claim settlement team and submit
i. Telescopes, binoculars, spectacles, sunglasses the claims form furnishing the complete details of the
ii. Watches, jewelry and gems, furs and articles made of Insured to the Assistance Service Provider/Us along with
gold, silver and other precious stones and metals the account details and the documents required for the
respective cover.
iii. Antiques, moulds, designs and other collectibles,
sculptures, manuscripts, stamps, collection of stamps, Evidence of the refund request has to be provided,
rare books, medals, artificial teeth, prosthetic limbs, wherever applicable, even if the refund is NIL
hearing aids, membership cards, travel tickets, event Only those covers that have been opted by You are
tickets, personal Travel documents, business goods or mentioned in the below document
samples or documents
iv. Cash, ATM Cards, debit cards, credit cards, FOREX
Cards, bonds, bank treasury or promissory notes,
bills of exchange, cheques, banker’s cheques,
demand drafts, travelers cheques, and any other
such securities or financial instruments

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

PART I : INTERNATIONAL TRAVEL INSURANCE has opted for medical evacuation cover and the same has
been mentioned in Part I of the Policy Schedule);
SECTION 1: MEDICAL EXPENSES COVERS
3. Physician, surgeon, anesthetist fees;
COVER 1: HOSPITALIZATION EXPENSES FOR ILLNESS
AND INJURY Cost of medicines provided by the Hospital / purchased
If an Insured Person contracts an Illness or suffers an injury from a registered pharmacy other than the Hospital as
due to an accident, that occurs whilst the Insured is on a trip prescribed in writing by the Medical Practitioner attending
during the Policy Period and which solely and directly requires on the Insured.
the Insured Person to be Hospitalized, the Company shall EXTENSIONS AVAILABLE UNDER COVER-
indemnify the Insured for Reasonable and Customary Charges HOSPITALIZATION EXPENSES FOR ILLNESS & INJURY
incurred by the Insured for the Emergency Hospitalization or (subject to payment of additional premium, specific acceptance
Day Care Treatment and such medical treatment should be by the company and on incorporation in Part I of the Policy
undertaken on the written advice of a medical practitioner. Schedule accordingly)
In case of an overseas policy, the Company may, at its sole
There is a provision of capping the Sum Insured under the
discretion, even allow the Insured to avail the treatment for
below mentioned extension(s) within the Sum Insured of the
said Injury/Illness (only if medically necessary and prescribed
base cover of ‘Hospitalization expenses for Illness and Injury’
in writing by treating Medical Practitioner) in the Country of
and the same if opted for, shall be mentioned in Part I of the
Residence of the Insured, if the treatment for the said injury/
Policy Schedule.
illness has already begun at the place where the said injury/
illness was sustained. In such cases, the Company shall EXTENSION 1.a: Outpatient Treatment for Illness and Injury
compensate the Insured for the Medical Expenses incurred by If an Insured Person contracts an Illness or suffers an injury
the Insured, for a maximum of 30 days, from the date of return due to an accident, which occurs whilst the Insured is on a
to the Country of Residence of the Insured or policy expiry trip during the Policy Period, the Company shall indemnify the
date, whichever is earlier. Insured for the Reasonable and Customary Charges incurred
The overall liability of the Company, under this circumstance by the insured in availing Outpatient treatment. The charges
shall not exceed the amount, had the treatment been would include cost for consultation, diagnostic/investigation
undertaken at the place where the Injury/Illness was sustained and medicines.
or the maximum Sum Insured under this cover, whichever is However, the Deductible/Co-pay amount mentioned under
less. this extension as mentioned in Part I of the Policy Schedule
In no case shall the Company be liable for the expenses shall be applicable
incurred by the Insured at his Country of Residence without
Insurance cover under this Coverage is available provided
prior approval from the Company/ASP.
additional premium has been received by the Company for
In cases where Illness/injury is contracted by the Insured
such cover and the same has been specifically mentioned on
during the Period of Insurance and treatment for the same
the Policy Schedule/ Certificate of Insurance.
commences within the Period of Insurance but continues
beyond the expiry date of this Policy, the Company’s liability to Exclusions applicable to the extension 1.a
indemnify the Insured hereunder shall be limited to a period of 1. Plaster casts,
maximum 30 days from and including the date of expiry of this
2. Bandages,
Policy, provided the Insured is medically incapable to travel to
the Place of Destination, as given in writing by the treating 3. Walking aids,
medical practitioner. If any new Illness/injury is contracted 4. Crutches,
beyond the expiry date of this Policy, treatment for the same
5. Wheel chairs,
shall not be covered.
Payment under this cover would be subject to the following: 6. Bipap/C-PAP machine,
The Hospitalization or Day Care Treatment is for Medically 7. Oxygen cylinder(for usage outside hospital),
Necessary Treatment and is commenced and continued on the 8. Cervical collar,
written advice of the treating Medical Practitioner.
9. Splint,
The Insured Person is admitted to the hospital or undergoes
Day Care Treatment within 7 days of occurrence of the 10. Knee braces,
Accident/Injury 11. Arm-sling
Our overall liability to make any payment under this Cover
i.  12. Lumbo sacral belt
would be limited to the SI available against the mentioned 13. Any other medical aid
Cover in Part I of the Policy Schedule
14. Physiotherapy
ii. The Deductible/Co-pay amount as mentioned against this
Cover, in Part I of the Policy Schedule, shall be applicable Outpatient claims may be authorized for cashless settlement
on a case by case basis.
iii. 
The treatment for Illness shall commence immediately
after diagnosis of Illness during the Period of Insurance. EXTENSION 1.b: Medical Aid Cover in case of Illness and
Injury
The Company shall reimburse the following inpatient
medical expenses for Insured: If the Insured contracts any illness or suffers an injury due to
an Accident whilst on a Trip during the Period of Insurance,
1. Accommodation, boarding and nursing expenses; the Company shall indemnify the Insured for the Reasonable
2. Diagnostic test and / or examination charges, ambulance and Customary charges incurred for necessary (unforeseen)
charges (Air ambulance will be paid for, only if the Insured medical aids such as plaster casts, bandages, walking

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

aids, crutches, wheel chairs, bipap/C-PAP machine, oxygen from acute pain and the expenses would be covered till
cylinder(for usage outside hospital), cervical collar, splint, knee the Insured is in the intensive care unit or emergency
braces, arm-sling and lumbo sacral belt and any other medical department. Once moved out then it would no longer be
aids, specified in Part I of the Policy Schedule, provided that: an emergency unless on a life support.
i) The need for such medical aids is at the written advice of All further medical cost to maintain medically stable state
the treating Medical Practitioner or to prevent the onset of acute pain would have to be
ii) 
The overall liability to make any payment under this borne by the Insured.
extension, irrespective of the number of medical aids ii. The Liability of the Company under this extension will
being claimed, is the sum insured as specified under this be equal to the actual Medical Expenses incurred by the
extension, in Part I of the Policy Schedule. Insured for such treatment or up to the Sum Insured as
iii) The Deductible/ Co-pay amount mentioned in Part I of the specified against this extension in the Policy Schedule,
Schedule to this Policy shall be applicable. whichever is lesser.
iv) We shall not accept more than one claim under this cover Any Deductible/co-pay amount mentioned in Part I of the
in respect of the Insured person, following from the same Policy Schedule shall be applicable
illness/injury in one policy period. EXTENSION 1.f: Adventure Sports Cover
EXTENSION 1.c.: Child care expenses due to hospitalization We will reimburse the Insured person for medical expenses as
If an Insured contracts an Illness or suffers an injury due to specified under Cover Hospitalization Expenses For Illness And
an accident whilst on a Trip during the Period of Insurance Injury due to injuries as a result of the insured’s participation
and his/her dependent children are covered by us for the same in any Hazardous Activities, provided you participate in a non-
policy tenure and are travelling along with the hospitalized professional capacity and under the supervision of a trained
parent on the same trip, the Company shall pay to the Insured professional that occurs whilst the Insured is on a trip during
a daily compensation for a maximum number of 5 days or as the Policy Period.
specified in Part I of the Policy Schedule for each continuous The maximum SI limit per event will also be specified in Part I
and completed period of 24 hours of Hospitalization of Insured of the Policy Schedule.
as child care expenses. This Cover will not be payable if there is:
i) The overall liability to make any payment under this cover 1. Non-adherence to the guidelines / instructions of the
is the maximum Sum Insured specified in the Part I of the organizers of hazardous activity
Policy Schedule, under this cover.
2. 
Participation in a professional capacity and without
ii) The liability of the Company to make payment will only supervision of trained professional
commence after the Insured has been hospitalized for a
period of more than 24 consecutive hours or such time TERMS AND CONDITIONS APPLICABLE TO COVER 1 &
mentioned as Deductible in Part I of the Policy Schedule. COVER 2

EXTENSION 1.d: Physiotherapy The above covers will be subject to sub-limits as below.
However, Sub-limits can be waived by paying an additional
If an Insured Person suffers an illness or accidental Injury that premium.
occurs during the Travel Period and that Injury solely and
directly requires the Insured Person to undergo physiotherapy, Sub-limit:
then we will reimburse the costs incurred on physiotherapy, The maximum eligible medical expenses per sickness or
upto a maximum of Sum Insured mentioned under this cover in disease or injury contracted within the period of insurance
Part I of the policy Schedule in excess of the co-pay/sub-limit, whilst on the trip abroad, that may lead to one or more medical
if any. expenses and/or hospitalization expenses are as follows and
This Cover will be payable provided that: as per the plan/option mentioned in the Policy Schedule. These
limits are further restricted to the maximum sum insured
a. We have accepted a claim under the cover 1 in respect of specified in Part I of the Policy Schedule as per the below table
the Insured Person;
b. 
The physiotherapy/rehabilitation undertaken is for Hospitalization Expense Sub-limits
Medically Necessary Treatment and is commenced and Hospital Room and boarding, Maximum US$ 1,800 per day
continued on the written advice of the treating Medical and Hospital Misc. Expenses* up to 30 days.
Practitioner;
Intensive Care Unit/Emergency Maximum US$ 3,250 per day
c. We will reimburse only those costs that are Reasonable Department up to 7 days.
and Customary Charges.
Surgical treatment* Maximum up to US$ 15,000
d. The treatment is given by a locally registered and licensed
Up to 25% of surgical
physiotherapist Anaesthetist services
treatment.
EXTENSION 1.e: Pre-existing disease cover
Maximum US$ 100 per day up
The Company shall indemnify the Insured for the medical Physician’s visit
to 10 visits.
expenses incurred by the Insured for the treatment rendered in
Diagnostic and pre-admission
a Life Threatening Medical Condition as a life saving measure Maximum US$ 1000.
testing
only for any sudden, unexpected / unforeseen development
attributable to any Pre-Existing Disease(s), subject to the Ambulance services** Maximum US$ 500.
following: Miscellaneous expenses*** Maximum of USD 2, 000
i. The treatment for these emergency measures will be paid *Surgery: Includes Operation room charges, Surgeon fee and
till the Insured becomes medically stable or is relieved Implant charges

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

**Ambulance Services: Includes Cost of transportation to b. Fees paid to the Medical Practitioner, special
hospital and Paramedic services nursing charges, etc.
***Miscellaneous expenses: Includes but not limited to cost c. Charges incurred towards any and all test and/
of medicines/ Pharmacy/ Drugs/ Supplies, nursing charges, or examinations rendered in connection with the
external medical appliances as prescribed in writing by a treatment.
registered Medical Practitioner as necessary and essential as d.  Charges incurred towards medicines or drugs
part of the treatment on actual, Blood storage & processing purchased from outside duly supported by
charges, other services which are not part of any other above the prescriptions of the Medical Practitioner
given heads. attending on the Insured.
CLAIMS PROCEDURE APPLICABLE TO COVER 1 & 7. And any other document as may be appropriately
EXTENSIONS THEREIN - applicable for the claims preferred under these sections of
In the event of the Insured sustaining any accidental Injury the Policy.
or suffering from any illness necessitating an Emergency In respect of all claims payable hereunder, the Company may
treatment in Hospital, he/she should report the contingency/ make settlement either in the form of cashless treatment
claim to the Assistant Service Provider (Overseas policy) / TPA facility or by reimbursement of the amount of claim to the
or In-house claim settlement team on the helpline numbers Insured, at its sole discretion.
mentioned in the “Claims Procedure-General” section. The
COVER 2: HOSPITALIZATION EXPENSES FOR INJURY
Insured shall also provide the particulars of insurance cover
and also the details of the Assistant Service Provider / TPA to If an Insured Person suffers an injury due to an accident, that
the Hospital. occurs whilst the Insured is on a trip during the Policy Period
Documents required in support of the claim: and which solely and directly requires the Insured Person to
be Hospitalized, the Company shall indemnify the Insured for
1. Medical reports and discharge summary issued by the Reasonable and Customary Charges incurred by the Insured
Hospital furnishing the name of the Insured, period of for the Emergency Hospitalization or Day Care Treatment and
treatment and details of treatment rendered. such medical treatment should be undertaken on the written
2. Original Bills and receipts and invoices for: advice of a medical practitioner.
i.  Charges paid towards Hospital accommodation, In case of an overseas policy, the Company may, at its sole
nursing facilities and other medical services rendered; discretion, even allow the Insured to avail the treatment for said
ii. Fees paid to the Medical Practitioner, special nursing Injury (only if medically necessary and prescribed in writing
charges, etc.; by treating Medical Practitioner) in the Country of Residence
iii. 
Charges incurred towards any and all test and / of the Insured, if the treatment for the said injury has already
or examinations rendered in connection with the begun at the place where the said injury was sustained. In
treatment; such cases, the Company shall compensate the Insured for the
iv. Charges incurred towards medicines or drugs Medical Expenses incurred by the Insured, for a maximum of
purchased from a registered pharmacy other than 30 days, from the date of return to the Country of Residence of
the Hospital duly supported by the prescriptions of the Insured or policy expiry date, whichever is earlier.
the Medical Practitioner attending to the Insured. The overall liability of the Company, under this circumstance
3. Police First Incidence Report (FIR), in case of any road shall not exceed the amount, had the treatment been
traffic accident or third-party involvement undertaken at the place where the Injury was sustained or the
maximum Sum Insured under this cover, whichever is less.
4. Post-mortem report, if applicable
In no case shall the Company be liable for the expenses
5.  Claim documents required in support of claims under
incurred by the Insured at his Country of Residence without
‘Child Care Expenses due to Hospitalization’ shall be -
prior approval from the Company/ASP.
Discharge summary, Claim form and Cancelled cheque
(or any such document mentioning account details) In cases where injury is contracted by the Insured during the
Period of Insurance and treatment for the same commences
6. Claim documents required in support of Adventure Sports
within the Period of Insurance but continues beyond the expiry
as follows:
date of this Policy, the Company’s liability to indemnify the
1. Medical Practitioner’s certificate as a proof that the Insured hereunder shall be limited to a period of maximum
insured was medically and physically fit to engage in 30 days from and including the date of expiry of this Policy,
sports activities cover hereunder issued to the insured provided the Insured is medically incapable to travel to the
before the start of the trip and period of insurance. Place of Destination, as given in writing by the treating medical
2. Correspondence with the governing body or authority practitioner. If any new injury is contracted beyond the expiry
of sports activity in which insured was engaged while date of this Policy, treatment for the same shall not be covered
he/she got injuries stating the reasons/ circumstances Payment under this cover would be subject to the following:
in which insured got injured, if applicable.
i. The Hospitalization or Day Care Treatment is for Medically
3. Correspondence with the governing body or authority Necessary Treatment and is commenced and continued
of sports activity in which insured was engaged while on the written advice of the treating Medical Practitioner.
he/she got injuries stating the reasons/ circumstances
in which insured got injured, if applicable. ii. The Insured Person is admitted to the hospital or undergoes
Day Care Treatment within 7 days of occurrence of the
4. Bills/ receipts for
Accident/Injury
a. Charges paid towards Hospital accommodation,
iii. Our overall liability to make any payment under this Cover
nursing facilities and other medical services
would be limited to the SI available against the mentioned
rendered.
Cover in Part I of the Policy Schedule

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

iv. The Deductible/Co-pay amount as mentioned against this prescribed in writing by treating medical practitioner as a
Cover, in Part I of the Policy Schedule, shall be applicable part of emergency medical management.
The Company shall reimburse the following inpatient 2. If any new Illness/injury is contracted beyond the expiry
medical expenses for Insured: date of this Policy, treatment for the same shall not be
covered
i. Accommodation, boarding and nursing expenses;
3. Any Out-patient treatment expenses, unless specifically
ii. 
Diagnostic test and / or examination charges, opted for as an extension under the above
ambulance charges (Air ambulance will be paid for,
only if the Insured has opted for medical evacuation 4. Any Child care expenses due to hospitalization, unless
cover and the same has been mentioned in Part I of specifically opted for as an extension under the above
the Policy Schedule); 5. Cost related to Physiotherapy, unless specifically opted
for as an extension under the above.
iii. Physician, surgeon, anesthetist fees;
6. Expenses related to Routine vision/ Dental, unless
 
Cost of medicines provided by the Hospital / specifically opted for as an extension under the above.
purchased from a registered pharmacy other than
7. Screening/examinations for cancer or mammography.
the Hospital as prescribed in writing by the Medical
Practitioner attending on the Insured. 8. Any Skilled nursing facility related to disease/illness/injury
requiring outpatient Care, unless specifically opted for as
CLAIMS PROCEDURE APPLICABLE TO COVER 2: an extension under the above.
HOSPITALIZATION EXPENSES FOR INJURY
9. Any medical treatment which was not medically necessary
In the event of the Insured sustaining any accidental Injury or could reasonably have been delayed until the Insured
necessitating an Emergency treatment in Hospital, he/she Person’s return to India.
should report the contingency/ claim to the Assistant Service
10. Beauty and/or cosmetic treatment and/or reconstructive
Provider (Overseas policy) / TPA or In-house claim settlement
plastic surgery in any form or manner unless such surgery
team on the helpline numbers mentioned in the “Claims
is necessitated due to an accidental injury and prescribed
Procedure-General” section. The Insured shall also provide
in writing by treating medical practitioner as a primary
the particulars of insurance cover and also the details of the
line of treatment
Assistant Service Provider / TPA to the Hospital.
11. Any treatment related to general debility, convalescence,
Documents required in support of the claim: and rest or recuperation at a spa or health resort,
1. Medical reports and discharge summary issued by the sanatorium, convalescence home or similar institution.
Hospital furnishing the name of the Insured, period of 12. Rehabilitation and/or the cost of prostheses/ prosthetics
treatment and details of treatment rendered. (artificial limbs) or any Services provided by chiro
2. Original Bills and receipts and invoices for: practitioner, unless specifically provided under the
i. 
Charges paid towards Hospital accommodation, extension of ‘Medical Aid in case of Illness and Injury’ and
nursing facilities and other medical services rendered; the insured has opted for the same extension(s).
13. Routine physical tests and / or examination of any kind
ii. Fees paid to the Medical Practitioner, special nursing
not consistent with or incidental to the diagnosis and
charges, etc.;
treatment of any Illness or Injury either in a Hospital or as
iii. 
Charges incurred towards any and all test and / an Outpatient.
or examinations rendered in connection with the
14. Cost of spectacles / contact lenses, hearing aid, unless
treatment;
specifically provided under the extension of ‘Medical Aid
iv. 
Charges incurred towards medicines or drugs Cover in case of Illness and Injury’’ and the insured has
purchased from a registered pharmacy other than opted for the same extension(s).
the Hospital duly supported by the prescriptions of 15. Hospitalization expenses of donor.
the Medical Practitioner attending to the Insured.
16. Expenses on supplements, vitamins and tonics unless
3. Police First Incidence Report (FIR), in case of any road forming part of treatment for Injury/Illness as certified by
traffic accident or third-party involvement the attending Medical Practitioner.
4. Post-mortem report, if applicable 17. Circumcision unless necessary for treatment of an Injury
5. And any other document as may be appropriately or necessitated due to an Accident.
applicable for the claims preferred under these sections of 18. Any treatment/ surgery for change of sex or treatment/
the Policy. surgery / complications/ Illness/ Injury arising as a
In respect of all claims payable hereunder, the Company may consequence thereof.
make settlement either in the form of cashless treatment 19. Personal comfort, convenience and hygiene related items
facility or by reimbursement of the amount of claim to the and services.
Insured, at its sole discretion. 20. Any Injury and/or Illness sustained or contracted
EXCLUSIONS APPLICABLE TO COVER 1 & COVER 2
a. Whilst the Insured is under the influence of intoxicating
EXTENSIONS THEREIN -
liquor / drugs,
In addition to the General Exclusions listed in this Policy, no
b. Whilst the Insured is engaging in aviation / ballooning
payment shall be made by the Company in connection with
/ while mounting into or dismounting from or traveling
the following:
in any balloon or aircraft other than as a passenger
1. Treatment for any dental Illness / Injury unless such the (fare paying or otherwise) or involved in any kind
cover ‘Dental treatment’ has been opted for and such of activities, as defined in our list of hazardous
treatment is necessitated due to an accidental injury and

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

activities, unless specifically opted for and covered miscarriage, infertility, sub fertility or assisted conception
under ‘Adventure Sports Cover’ on prior intimation to treatment or sterilization or procedure, birth control
the company and payment of applicable additional procedures and hormone replacement therapy, Also, this
premium. exclusion does apply to ectopic pregnancy proved by
21. Any condition/instances/scenarios where there is no diagnostic means
active line of treatment taken by the insured. 31. Self-inflicted Illness or Injury.
22. Alternative Treatments or any form of treatment other 32. Treatment relating to birth defects and external /defects/
than AYUSH and allopathic Treatment, AYUSH and anomalies
allopathic treatment should also be medically necessary 33. Any Medical treatment or expense related to Cruise cover.
under the written advice of a medical practitioner.
34. Any exclusion mentioned in the ‘General Exclusions’
23. Any kind of planned treatment or travelling for the purpose section of this policy.
of obtaining treatment
COVER 3: DAILY ALLOWANCE IN CASE OF
24. Any out-of-pocket expenses for necessary medical HOSPITALIZATION
aids relating to the hospitalization of the Insured due to
an injury, unless specifically included in the extension In the event of Hospitalization of the Insured due to an Illness
‘Medical Aid Cover in case of Illness and Injury’ and the contracted or due to an accidental injury whilst on a Trip
same is mentioned in Part I of the Policy Schedule. within the Period of Insurance, the Company shall pay to the
Insured a daily compensation for maximum number of days as
25. Any treatment of a Pre-Existing Disease or any specified in Part I of the Policy Schedule for each continuous
complication arising from it, unless specifically included and completed period of 24 hours of Hospitalization of Insured.
in the Extension ‘Pre-existing disease cover in case of The maximum liability of the Company in respect of all claims
emergency Life Threatening Medical Condition’ and the under this cover would be limited to the Sum Insured specified
same is mentioned in the Part I of the Policy Schedule in Part I of the Policy Schedule. The liability of the Company
and if covered, expenses beyond the limit of Sum Insured to make payment will only commence after the Insured has
mentioned against the Extension covers in Part I of the been hospitalized for more than 1 day or 24 consecutive hours
Policy Schedule. or such time mentioned as Deductible/ in Part I of the Policy
26. A Trip undertaken: Schedule.
a) By the Insured against the advice of a Doctor; or EXCLUSIONS APPLICABLE TO COVER – DAILY ALLOWANCE
b) When the Insured is unfit to travel; or IN CASE OF HOSPITALIZATION
c) 
For the purpose of the Insured to seek medical In addition to the General Exclusions listed in this Policy, no
attention for a Pre-Existing Condition; or payment shall be made by the Company in connection with
d) For any costs incurred for any medication or ongoing the following:
treatment for a Pre-Existing Condition and for such 1. Any treatment or expenses which is included in the
medication or treatment, that the Insured has been exclusion list under the Cover- ‘’ ‘Hospitalization Expenses
advised by their Doctor to continue during travel; for Illness and Injury’
unless specifically included in the extension. 2. Claims arising out of or due to Pre-existing diseases,
e) For any costs incurred directly or indirectly in relation to unless the extension Pre-existing disease cover has been
an Insured’s terminal condition which was diagnosed specifically opted for and mentioned in Part I of the Policy
by a Doctor prior to the Trip commencement Schedule
g) Incurred for routine medical or optical treatment or 3. Any Medical treatment or expense related to Cruise cover
consultation
4. Any exclusion mentioned in the ‘General Exclusions’
27. 
Treatment of orthopedic, degenerative and oncological section of this policy.
(cancer) diseases unless the Extension ‘Pre-existing
Documents required in support of the claim:
disease cover has been availed. In any case, chemotherapy
or radiotherapy expenses will not be covered. Further, 1. Claim documents required in support of claims under
provided that such medical treatment must pertain to Life ‘Daily Allowance in case of Hospitalization shall be -
Threatening Medical Conditions or measures solely taken Discharge summary, Claim form and Cancelled cheque
to relieve acute pain. (or any such document mentioning account details)
28. In case of overseas policy, any furtherance of the Treatment 2. And any other document as may be appropriately
in India towards the Illness, Injury and disease contracted applicable for the claims.
abroad during the trip, except if ‘Medical Evacuation’ COVER 4: MEDICAL EVACUATION
Cover has been opted and the Medical Evacuation has
been approved and arranged by Assistance Service The Company shall indemnify the Insured for the Reasonable
Provider/Us or Insured has decided to avail the treatment and Customary Charges, incurred for an ambulance or any
in India for the Illness or disease contracted abroad after other Emergency transportation and evacuation services,
the consent or approval by Assistance Service Provider/ including necessary medical care en-route, forming part of
Us. the treatment for any Illness contracted or Injury sustained
whilst on Trip during the Period of Insurance provided that
29. Sterility, infertility, venereal disease or any sexually such costs are certified and authorized by the Assistance
transmitted disease. Service Provider / Us / TPA / In-house claim processing team
30. Pregnancy and resulting childbirth, pre and post- of the Company. The transportation expenses shall be limited
natal expenses, voluntary termination of pregnancy, to transporting the Insured from the place of contracting/

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

sustaining Illness/Injury to the nearest appropriate Hospital to an equivalent amount, for a local burial or cremation in the
/ Country of Residence (Applicable for Overseas Policy) as country/place where death has occurred. The maximum liability
decided by the Assistance Service Provider / Us / TPA / In- of the Company is as specified in Part I of the Policy Schedule
house claim processing team of the Company and the cost of against this cover. All Repatriation of Remains arrangements
transportation to a special clinic, if this is medically necessary must be approved in advance by Assistance Service Provider
and prescribed in writing as such by a physician. of the Company and/or the Company.
If it is medically necessary in the opinion of Emergency The payment for cremation will be limited to USD 300 as a
Assistance Service Provider that you need to be accompanied fixed benefit in the event of non-submission of bills.
by a Medical Practitioner, nurse, relative, friend or colleague; EXCLUSIONS APPLICABLE TO COVER - REPATRIATION OF
then the additional costs for an accompanying person would REMAINS
also be payable under this.
In addition to the General Exclusions listed in this Policy, the
The Company’s liability would not exceed the Sum Insured Company shall not be liable for the payment of compensation
amount mentioned against this cover in Part I of the Policy in respect of death:
Schedule hereto.
a. arising from intentional self-Injury / suicide / attempted
The deductible under this cover will be applicable, if any and suicide;
shall be of an amount as specified in the Part I of the Policy
Schedule. b. whilst the Insured is under the influence of intoxicating
liquor / drugs;
EXCLUSIONS APPLICABLE TO COVER – MEDICAL
EVACUATION c. whilst engaging in aviation / ballooning / while mounting
into or dismounting from or traveling in any balloon
In addition to the General Exclusions listed in this Policy, no or aircraft other than as a passenger (fare paying or
payment shall be made by the Company in connection with otherwise); or any kind of hazardous activity as mentioned
the following: in our policy, unless specifically opted for and covered
1. Any treatment or expenses which is included in the under ‘Adventure Sports’ cover on prior intimation to the
exclusion list under the Cover- ‘’ ‘Hospitalization Expenses company and payment of applicable additional premium.
for Illness and Injury’ d. Arising due to any reason mentioned as exclusion under
2. Claims arising out of or due to Pre-existing diseases, covers- ‘Hospitalization Expenses for Illness and Injury’.
unless the extension ‘Pre-existing disease cover in case e. Any exclusion mentioned in the ‘General Exclusions’
of emergency Life Threatening Medical Condition’ or ‘Pre- section of this policy.
existing disease cover has been specifically opted for and
mentioned in Part I of the Policy Schedule CLAIMS PROCEDURE APPLICABLE TO COVER -
REPATRIATION OF REMAINS
3. Any Medical treatment or expense related to Cruise cover
unless such COVER 32: MEDICAL COVER ON A CRUISE Refer to ‘Claims Procedure – General’ section
has been opted. Any exclusion mentioned in the ‘General Documents required in support of the claim:
Exclusions’ section of this policy. 1. Photocopy of the death certificate providing the details of
CLAIMS PROCEDURE APPLICABLE TO COVER – MEDICAL the place, date and time, and the circumstances and cause
EVACUATION: of the death (photocopy of the postmortem certificate
In event of circumstances leading to Medical Evacuation of wherever required by the Assistance Service Provider / Us
the Insured Person, his / her representatives shall immediately / TPA / In-house claim settlement team, for cases where
report the same to the Assistance Service Provider/ the postmortem is conducted), issued by the appropriate
Company and furnish the complete details along with the authority where the contingency has arisen.
supporting documentation. 2. 
Proof for expenses incurred towards disposal of the
Documents required in support of the claim: mortal remains.

1. Medical reports and transportation details issued by the 3. In case of transportation of the body of the deceased to
evacuation agency, prescriptions and medical report by the City of Residence or Place of Origin of the Insured,
the attending Medical Practitioner furnishing the name of the receipt for expenses incurred towards preparation
the Insured and details of treatment rendered along with and packing of the mortal remains of the deceased and
the statement confirming the necessity of evacuation also for the transportation of the mortal remains of the
along with the proof of expenses towards the same. deceased to the City of Residence or Place of Origin of the
Insured.
2. Any other document as required by the Company/ ASP/
TPA on a case to case basis. In respect of all claims payable hereunder, the Company may
make settlement either in the form of cashless treatment
In respect of all claims payable hereunder, the Company may facility or by reimbursement of the amount of claim to the
make settlement either in the form of cashless treatment Insured, at its sole discretion.
facility or by reimbursement of the amount of claim to the
Insured, only on prior approvals from ASP/Insurer. COVER 6: DENTAL TREATMENT

COVER 5 : REPATRIATION OF REMAINS The Company shall compensate the Insured for the Reasonable
and Customary Charges incurred for the Dental Treatment
In the unfortunate event of the death of the Insured due to received by the insured to one or more Sound Natural Tooth
Injury or Illness whilst on a Trip during the Period of Insurance, as a result of sudden acute pain and/or due to an accident,
the Company shall compensate the Nominee, the costs provided the treatment shall commence within 24 hours
incurred for transporting the remains of the deceased Insured of the time the acute pain first occurs during a Trip abroad,
back to the Country/Place of Residence of the Insured or, up undertaken within the Period of Insurance.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Dental covers will be provided for Medically Necessary SECTION 2: ACCIDENT & DISABILITIES COVERS
treatment of the tooth. Such treatment should be provided COVER 7: PERSONAL ACCIDENT
by a Dentist qualified in practicing dentistry or dental surgery,
and the reimbursement for the medical expenses incurred shall The Company shall compensate the Insured as per table
not exceed the Sum Insured for the coverage as mentioned in of covers hereunder in case of death or permanent total
Part I of the Policy Schedule hereto. disablement or permanent partial disablement of the Insured
arising out of and consequent upon a bodily Injury sustained
The deductible under this cover will be applicable, if any in an Accident, which is not related to a pre-existing condition
and shall be of an amount as specified in Part I of the Policy and has been encountered at any time whilst on a Trip during
Schedule. the Period of Insurance.
EXCLUSIONS APPLICABLE TO COVER – DENTAL The Company’s maximum liability in respect of any one
TREATMENT Accident or all Accidents resulting in death or permanent total
In addition to the General Exclusions listed in this Policy, no disablement or permanent partial disablement of Insured
payment shall be made by the Company in connection with during the Period of Insurance shall not exceed the Sum
the following: Insured specified in Part I of the Policy Schedule.
1. A Trip undertaken: Basis of assessment of claim:
a) For any costs incurred for routine dental treatment or The benefit payable to or on behalf of the insured will be as per
consultation the following categories
b) For any costs incurred for any dental treatment 1. Death:
or consultation for the same which was medically i. The Sum Insured as stated in Part I of the Policy
not necessary or could have been postponed till Schedule if the death of the Insured shall result
the Insured trip ended. within a period of twelve months from the date of the
2. 
Root Canal Treatment unless medically necessary and accidental Injury, and if such Injury shall be the sole
prescribed in writing by a dentist and direct cause of the death of the Insured and is
3. Cementing or fixation of tooth or teeth bridge/s unless sustained by the Insured during the Trip.
otherwise specified in Part I of the Policy Schedule ii. 
Two times the Sum Insured as stated in Policy
4. Beauty and/or cosmetic treatment and/or reconstructive Schedule if the death of the Insured shall occur as a
plastic surgery in any form or manner unless such surgery result of an Accident to the Common Carrier/ Public
is necessitated due to an accidental injury and prescribed Carrier via air travel only in which the Insured is
in writing by treating medical practitioner as a primary traveling as a passenger.
line of treatment, as a part of emergency constructive 2. Permanent Total Disablement (PTD):
surgical medical management If such accidental Injury shall, within twelve months of its
5. Any exclusion mentioned in the ‘General Exclusions’ occurrence, be the sole and direct cause of the total and
section of this policy. irrecoverable loss of:
CLAIMS PROCEDURE APPLICABLE TO COVER – DENTAL i. 
Sight of both eyes, or actual loss by physical
TREATMENT separation of two entire hands or two entire feet, or
Refer to ‘Claims Procedure – General’ section one entire hand and one entire foot, or loss of sight of
one eye and loss of one entire hand or one entire foot,
Documents required in support of the claim: then the Sum Insured stated in the Part I of the Policy
1. Medical/Dental reports, prescriptions and discharge/ Schedule hereto shall be payable;
treatment summary issued by the Hospital/Dental Clinic ii. Use of two hands or two feet, or of one hand and one
furnishing the name of the insured, period of dental foot, or of loss of sight of one eye and loss of use of
treatment, details of dental treatment rendered. one hand or one foot, then the Sum Insured stated in
2. Bills and receipts for: Part I of the Policy Schedule hereto shall be payable;
i. 
Charges paid towards Hospital accommodation, iii. 
The sight of one eye, or actual loss by physical
nursing facilities and other medical/dental services separation of one entire hand or one entire foot, then
rendered, if any; fifty percent (50%) of the Sum Insured stated in Part I
ii. Fees paid to the Medical/Dental Practitioner, special of the Policy Schedule hereto shall be payable;
nursing charges, etc; iv. Total and irrecoverable loss of use of a hand or a
iii. Charges incurred towards any and all test and / or foot without physical separation then fifty percent
examinations rendered in connection with the dental (50%) of the Sum Insured stated in Part I of the Policy
treatment; Schedule hereto shall be payable.
iv. Charges incurred towards medicines / drugs supplied Note:
by the Hospital/Clinic or purchased from a registered (i) For the purpose of clause (iii) and (iv) above, physical
pharmacy other than the Hospital/Clinic, duly separation of a hand or foot means separation of
supported by the prescriptions of the Medical/Dental hand at or above the wrist, and of foot at or above
Practitioner attending to the Insured. the ankle.
3. And any other document as may be appropriately (ii) If an Injury shall, as a direct consequence thereof,
applicable for the claims preferred under this section of immediately, permanently, totally and absolutely,
the Policy. disable the Insured from engaging in and being
occupied with or giving attention to any employment

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

or occupation of any description whatsoever, then a Any other permanent partial disablement - This shall be
lump sum equal to hundred percent (100%) of the based upon written opinion and assessment of the Medical
Sum Insured stated in Part I of the Policy Schedule Practitioner as to the extent of disability.
hereto shall be payable. The percentage payout as per Table-1 can be subject to
3. Permanent Partial Disablement (PPD) modifications, if medically required and if proposed and
If an Injury shall, within twelve calendar months of its justified by the Insured’s treating doctor and a consensus
occurrence, be the sole and direct cause of the total and/ have been reached between the treating doctor and a medical
or partial irrecoverable loss of use or the actual loss by practitioner appointed by Us.
physical separation of the body parts as per the following Additionally, for any other disablement, which is not listed
table, then the percentage as specified hereunder of the above, the payout shall be based upon opinion and assessment
Sum Insured as stated in Part I of the Policy Schedule shall of the Insured’s treating Doctor and a Medical Practitioner
be payable: appointed by the Company.
Table -1 EXTENSIONS AVAILABLE UNDER COVER - PERSONAL
ACCIDENT (subject to specific acceptance by the company
Percentage of and on incorporation in the Part I of the Policy Schedule
Percentage of Capital
Sum Insured accordingly):
Loss of toes – all 20 The following extensions, if opted for, would be applicable
Loss of Great both under the cover, Personal Accident, at an additional premium
5
phalanges EXTENSION 7 .a: COMA COVER
Loss of Great – one phalanx 2 If the Insured Person sustains a Bodily Injury during the
Period of Insurance, whilst on a trip, which directly causes or
Other than great phalanx results in the Person being in a Comatose state, within one (1)
if more than one toe lost 1 Calendar month from the date of bodily injury and the Insured
each or their legal representative presents Us with a written opinion
Loss of hearing – both ears 75 of a Treating physicians which verifies that the direct cause
of the Coma/ Comatose state was the Bodily Injury, We will
Loss of hearing one ear 30 pay the Policyholder or the Covered Person or the Covered
Loss of four fingers and Person’s legal representative a weekly amount, as specified
40 in the policy schedule, for each week of the Coma/Comatose
thumb of one hand
state, up to a maximum of 24 consecutive weeks or up to the
Loss of four fingers 35 maximum Sum Insured as mentioned in Part I of the Policy
- both phalanges 25 Schedule. If the state of continuous unconsciousness persists
Loss of thumb for a period of less than one (1) week, or for only part of any
- one phalanx 10 subsequent week, we will pay the Coma Cover at the rate of
one-seventh (1/7th) of the weekly amount for each day during
three phalanges 10
which the comatose state continues, subject to the maximum
Loss of Index finger - two phalanges 8 number of weeks as mentioned in Part I of the Policy Schedule.
Conditions applicable to the cover - Coma Cover
- one phalanx 4
1. The insured person must be admitted in an Intensive care
-three phalanges 6 Unit in a Hospital for the entire duration of the comatose
state for any cover to be payable
Loss of middle finger - two phalanges 4
2. Coma resulting out of any medical cause/illness shall not
- one phalanx 2 be considered under this cover
- three phalanges 5 EXTENSION 7.b: CHILD BENEFIT COVER

Loss of ring finger - two phalanges 4 During the Period of Insurance and whilst the Insured (is on
a trip, if the Insured dies due to an accident and he/she is
- one phalanx 2 survived by Dependent Child(ren), We will pay to the Insured’s
surviving dependent children, a lump sum amount, as specified
- three phalanges 4 in Part I of the Policy Schedule. Our maximum liability is limited
Loss of little finger - two phalanges 3 to the Sum Insured mentioned against this cover in Part I of the
Policy Schedule, irrespective of the no. of dependent children.
- one phalanx 2 Documents to required in support of the claim:
first or second In addition to the documents required to support the ‘Personal
3
(additional) Accident’ claim, age proof of child.
Loss of metacarpus-
- third, fourth or
2
fifth (additional)

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

EXTENSION 7.c: WORKPLACE ASSAULT the death, unless reasonable cause for delay is shown.
In the event of the Insured sustaining a bodily injury, whilst 5. The claim for permanent total or partial disability shall be
on a insured trip and within the policy period as a result of duly supported by the disability certificate issued by the
being the victim of an assault at the workplace of the insured, Hospital / Medical Practitioner specifying the nature of
We will pay the Insured Person a lump sum amount shown disability and the percentage of disablement.
in the policy schedule against ‘Workplace Assault’. This cover 6. In the event of the death of the insured, the amount
would be payable, provided the resulting bodily injury has led payable would be the sum Insured as stated in Part I of
to either total or partial disability which a Doctor certifies in the Policy Schedule if the death of the Insured shall result
writing will continue for a minimum period of four (4) weeks. within a period of twelve months from the date of the
Workplace assault shall mean a physical attack on the Insured Injury, and if such Injury shall be the sole and direct cause
in the premises of the workplace, which resulted into a bodily of the death of the Insured and is sustained by the Insured
injury causing total or partial disability to the Insured. during the Trip. To this extent the certificate obtained from
Documents required in support of claim: the Medical Practitioner shall clearly relate the death to
In addition to the documents required to support the ‘Personal the Accident in question.
Accident’ claim, proof of fee receipts/tuition fee. 7. If the insured is not found within one(1) year of the
EXTENSION 7.d : Adventure Sports Cover disappearance, sinking or wrecking of the common carrier/
Public Carrier in which he was travelling as a fare paying
We will reimburse the Insured person a lump sum amount passenger, the insured will be presumed to have died as a
shown in the policy schedule against Adventure Sports under result of the accident.
Cover 7 in case of death or permanent total disablement or
permanent partial disablement of the Insured arising out of 8. An injury would be deemed to cause Permanent total
and consequent upon a bodily Injury sustained in an Accident, disablement if such Injury shall, within twelve months of
as a result of the insured’s participation in any Hazardous its occurrence, be the sole and direct cause of the total
Activities, provided you participate in a non-professional and irrecoverable loss
capacity and under the supervision of a trained professional EXCLUSIONS APPLICABLE TO COVER 7 & EXTENSIONS
that occurs whilst the Insured is on a trip during the Policy THEREIN
Period. In addition to the General Exclusions listed in this Policy, no
The maximum SI limit per event will also be specified in Part I payment shall be made by the Company in connection with
of the Policy Schedule. the following:
This Cover will not be payable if there is: 1. Compensation under more than one disablement event as
1. Non-adherence to the guidelines / instructions of the specified above in Table-1, in respect of any one Accident
organizers of hazardous activity / series of Accidents arising out of one event, if the
overall liability of the Company exceeds the Sum Insured
2. 
Participation in a professional capacity and without mentioned against this cover in the Part I of the Policy
supervision of trained professional Schedule
EXTENSION 7.e : Lifestyle Modification Cover 2. Amounts related to medical expenses;
We will reimburse You the Sum insured as per the Policy 3. Compensation in case the Insured encounters an Accident
schedule for the cost of artificial limbs and any modifications to in a territory outside the geographical scope of the policy.
Your home or vehicle in India necessitated due to disablement
arising as a result of an Accident during the Policy Period, 4. With respect to the cover ‘Workplace Assault’, any assault
whilst on an Insured Journey, that is recommended by a done by or linked to the employer or any employee of the
Medical Practitioner who is a civil surgeon, subject to claim organization of which the Insured is also an employee.
under Cover 7: Personal Accident being accepted by You. 5. Payment of compensation in respect of death or disability:
TEMRS & CONDITIONS APPLICABLE TO COVER – COVER 7
AND EXTENSIONS THEREIN a. arising from intentional self-Injury / suicide / attempted
1. Upon happening of any event, which is likely to give rise to suicide;
a claim under this Cover, the Insured’s representative shall b. arising from or resulting directly or indirectly from any
give written notice with full particulars immediately to the Illness;
Company or the Assistance Service Provider.
c. whilst the Insured is under the influence of intoxicating
2. The insured’s representative shall arrange for immediate liquor / drugs;
treatment of the Insured in a Hospital and produce all
such records of treatment to the Company in support of d. 
whilst engaging in aviation / ballooning / while
the claim mounting into or dismounting from or traveling in
any balloon or aircraft other than as a passenger
3. Any claim for death of the Insured shall be duly supported (fare paying or otherwise), unless otherwise specified
by a death certificate issued by the Hospital in the city of in Part I of the Policy Schedule; or while engaging
Accident or City of Residence or Place of Origin, as the in any other hazardous activity/ adventure sports
case may be. Post mortem certificate if required by the unless Adventure sports cover is opted and Personal
Company shall also be submitted, wherever post mortem Accident claim is mentioned as payable in the
is conducted. Annexure I against the mentioned adventure sport
4. 
In case of death, written notice must be given before during which the injury was caused and the same has
internment or cremation, within one calendar month after been mentioned in Part I of the Policy Schedule.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

CLAIMS PROCEDURE APPLICABLE TO COVER 7 & The Company shall not be liable for
EXTENSIONS THEREIN i. Amounts related to medical expenses.
In event of the Insured meeting with death or disability arising ii. Payment of compensation in respect of death.
out of an Injury caused in an Accident taking place any time
during the Period of Insurance, immediate notice thereof shall iii. Arising from intentional self-Injury/ suicide/ attempted
be sent to the Company/Assistance Service Provider by or on suicide.
behalf of the Insured furnishing details of the Accident. iv. Whilst the Insured is under the influence of intoxicating
Documents required in support of the claim: liquor/ drugs.

i. Medical reports giving the details of the Accident, nature CLAIMS PROCEDURE APPLICABLE TO COVER – ACCIDENTAL
of Injury and the extent of disability. DEATH AND DISABLEMENT -COMMON CARRIER

ii. In case of death of the Insured death certificate issued by Refer to ‘Claims Procedure – General’ section
the Medical Practitioner who attended on the Insured. Documents required in support of claim:
iii. Postmortem certificate, wherever postmortem is Documents required in support of the claim
conducted, to be produced if required by the Assistance i. Medical reports giving the details of the Accident and the
Service Provider/Us. nature of Injury.
iv. Police report/FIR/Panchnama. ii. Death certificate issued by the Medical Practitioner who
v. Medical Practitioner’s certificate in case of Injury (in case attended on the Insured.
of Permanent Partial Disablement/ Permanent Total iii. Postmortem certificate to be produced if required by
Disablement) stating the reasons and the extent of the the Company/Assistance Service Provider wherever
Injury/Disablement. postmortem is conducted.
vi. And any other document as may be appropriately iv. In case of an air crash / ship wreck or other such operator
applicable for the claims preferred under this section of causing deaths on a massive scale, confirmation from the
the policy. common carrier/ Public Carrier operator regarding the
vii. 
For claims related to extension ‘Coma Cover’, a letter death of insured
from the treating doctor certifying the direct cause and v. And any other document as may be appropriately
duration, the hospitalization course, prognosis of Coma. applicable for the claims preferred under this section of
In case, the Coma has been induced on account of bodily the Policy
injuries, a written narration from the treating doctor of
the circumstances that led to the comatose state shall be vi. Police report in original in case the Accident shall have
needed. taken place in a public place or premises.

viii. For claims related to extension ‘Lifestyle Modification COVER 9 : CREDIT CARD SECURE
Cover’, Medical Practitioner’s report suggesting In the event of an accident resulting in your death or permanent
requirement of prosthetics along with Disability certificate total disablement, as specified under cover, ‘personal accident’,
shall be needed. we will pay you or your nominee or legal heir, as the case may
COVER 8 : ACCIDENTAL DEATH AND DISABLEMENT- be, the outstanding balance in your credit card as on the date
COMMON CARRIER of the accident, up to the maximum sum insured as specified
against this cover in your certificate of insurance.
We shall pay to the Insured or nominee or legal heir of the
Insured a lump sum amount as mentioned in the Part I of the EXCLUSIONS APPLICABLE TO COVER – CREDIT CARD
Policy Schedule and up to the maximum amount specified SECURE
under this cover in case of Death, Permanent Total Disability Payment for any transaction made after the date of accident.
or a Permanent Partial Disability of the Insured arising out of CLAIMS PROCEDURE APPLICABLE TO COVER – CREDIT
and consequent upon an Injury or accident encountered while CARD SECURE
the Insured is mounting into or dismounting from or travelling
in the Common Carrier/ Public Carrier as a passenger (fare Refer to ‘Claims Procedure – General’ section
paying or otherwise) during the Period of Insurance. Documents required in support of claim:
We will also cover disappearance of the Insured Person, i. Medical reports giving the details of the Accident and the
following a forced landing, stranding, sinking or wrecking of nature of Injury.
a common carrier/ Public Carrier conveyance in which such ii. Death certificate issued by the Medical Practitioner who
Insured Person was known to have been travelling as an attended on the Insured.
occupant. It shall be deemed after 12 months, subject to all
other terms and conditions of this Policy that such person shall iii. Postmortem certificate to be produced if required by
have died as a result of the accident. If at any time, after the the Company/Assistance Service Provider wherever
payment of the Accidental death benefit, it is discovered that postmortem is conducted.
the insured person is still alive all payments shall be reimbursed iv. In case of an air crash / ship wreck or other such operator
in full to the Company. causing deaths on a massive scale, confirmation from the
EXCLUSIONS APPLICABLE TO COVER – ACCIDENTAL common carrier/ Public Carrier operator regarding the
DEATH AND DISABLEMENT- COMMON CARRIER death of insured

In addition to the General Exclusions listed in this Policy, no v. And any other document as may be appropriately
payment shall be made by the Company in connection with applicable for the claims preferred under this section of
the following: the Policy

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

vi. Police report in original in case the Accident shall have ii. Fees paid to the Medical Practitioner, special nursing
taken place in a public place or premises. charges, etc.;
vii. Credit card statement of the Insured iii. 
Charges incurred towards any and all test and /
COVER 10 : HOME TO HOME COVER or examinations rendered in connection with the
treatment;
Section A:
iv. 
Charges incurred towards medicines or drugs
Under this Cover, if You sustain an Injury solely and directly purchased from a registered pharmacy other than
due to an Accident which occurs whilst on Insured Journey in the Hospital duly supported by the prescriptions of
India from the Usual Place of Residence in India to airport/port the Medical Practitioner attending to the Insured
on the Day of overseas departure from India and/or on the Day
3. 
Police First Incidence Report (FIR) or Medical legal
of Your arrival back to India during Your travel from airport/
certificates , in case of any road traffic accident or third-
port to the Usual Place of Residence in India, We will pay
party involvement
Reasonable and Customary Charges incurred by the Insured
for the Emergency Hospitalization or Day Care Treatment or 4. Post-mortem report, if applicable
OPD treatment which would include cost for consultation, 5. Medical reports giving the details of the Accident and the
diagnostic/investigation and medicines and such medical nature of Injury.
treatment should be undertaken on the written advice of a
6. Death certificate issued by the Medical Practitioner who
medical practitioner.
attended on the Insured.
Section B:
7. Police report in original in case the Accident shall have
In case of death or permanent total disablement or permanent taken place in a public place or premises.
partial disablement of the Insured arising out of and 8. And any other document as may be appropriately
consequent upon a bodily Injury sustained in an Accident, applicable for the claims preferred under this section of
which is not related to a pre-existing condition and has been the Policy
encountered at any time whilst on a Trip during the Period of
Insurance, we will pay in accordance with the table of benefits SECTION 3: BAGGAGE & PERSONAL EFFECTS
defined under Cover 7: Personal Accident. COVER 11 : LOSS OF CHECKED-IN BAGGAGE
Payment under this cover (Section A & Section B) would be If the Checked-In Baggage of the Insured is permanently lost
subject to the following: whilst in custody of the Common Carrier/ Public Carrier in
i. Accident which occurs within 48 hours whilst on Insured relation to Trip covered, we will pay the Insured a pro-rated
Journey in India from the Usual Place of Residence in India sum insured as specified in Part I of the Policy Schedule, for
to airport/port for overseas departure from India and/or on pieces of baggage lost. This shall basically mean that if the
Your arrival back to India during Your travel from airport/ Insured has entrusted more than one baggage in the authority
port to the Usual Place of Residence in India. of common carrier/ Public Carrier, then in the event that all
pieces of baggage are not permanently lost, the benefit/claim
ii. Place of Stay to airport provided the domestic travel takes payout would be made on a pro-rated basis depending on the
place within 48 hours from time of boarding the overseas pieces of baggage checked-in. The coverage shall commence
transport, or from the time the Checked-In Baggage is entrusted to the
iii. Airport to Place of Stay provided the domestic travel has Common Carrier/ Public Carrier and a receipt obtained, and
occurred within 48 hours of Your arrival back to India. shall terminate on delivery by the Common carrier/ Public
EXCLUSIONS APPLICABLE TO COVER – HOME TO HOME Carrier. The cover shall in no case exist beyond the point of
COVER delivery by the Common Carrier/ Public Carrier at the arrival
terminal/ exit gate.
In addition to the General Exclusions listed in this Policy, no
payment shall be made by the Company in connection with The cover shall be applicable individually and independently
the following: in case of Trip involving multiple destinations en-route. Even
in the event of more than one incident of loss of Checked-in
The Company shall not be liable for Baggage during the Trip, the Company’s overall liability shall
i. Any claim arising from intentional self-Injury/ suicide/ be limited to the overall Sum Insured mentioned under this
attempted suicide. cover in Part I of the Policy Schedule.
ii. Any claim whilst the Insured is under the influence of Family/Group check in of baggage with the common carrier/
intoxicating liquor/ drugs Public Carrier must be declared at the time of claim by the
customer and claims will be treated accordingly for each
CLAIMS PROCEDURE APPLICABLE TO COVER – HOME TO
individual insured.
HOME COVER
CONDITIONS APPLICABLE TO COVER - LOSS OF CHECKED-
Refer to ‘Claims Procedure – General’ section
IN BAGGAGE
Documents required in support of claim:
1. The insured must report any Loss, theft or deprivation of
1. Medical reports and discharge summary issued by the Baggage to either the local police or the common carrier/
Hospital furnishing the name of the Insured, period of Public Carrier as soon as reasonably practicable and get
treatment and details of treatment rendered. a confirmation of the same
2. Original Bills and receipts and invoices for: 2. Any amount paid under the claim of ‘Delay of Checked-
i. 
Charges paid towards Hospital accommodation, in baggage’ regarding the same piece of baggage will
nursing facilities and other medical services rendered; be deducted from the claim amount payable to customer
under the claim of ‘Loss of Checked-in baggage’

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

EXCLUSIONS APPLICABLE TO COVER - LOSS OF CHECKED- limited to the maximum Sum Insured mentioned in Part I of the
IN BAGGAGE Policy Schedule.
In addition to the General Exclusions listed in this Policy, the For the losses limited to electronic equipment covered under
Company shall not be liable for any loss in connection with the this Cover - The purchase receipt of the item after considering
following: depreciation or market value of the item at the day of loss,
1. Any loss or damage of Contents including valuables and whichever is less will be payable. Following depreciation table
personal money (cash) of the Checked-In Baggage shall be used to calculate the value of the item-
2. Losses arising from any delay, detention, confiscation Ageing of items % Depreciation (on invoice value)
by customs officials or other public authorities unless in Exceeding 1 year but
situations of any social/political instability beyond the 25%
not exceeding 2 years
control of the insured
Exceeding 2 year but
3. Loss of the Checked-In Baggage sent in advance or not exceeding 3 years
50%
souvenirs and articles mailed or shipped separately
Exceeding 3 year but
CLAIMS PROCEDURE APPLICABLE TO COVER - LOSS OF 75%
not exceeding 4 years
CHECKED-IN BAGGAGE
4 years old and above 100%
In an event where the Insured has not got delivery of one or
more Checked-In Baggage attached to the ticket/boarding Ageing of items has been calculated as the difference between
pass of the Insured, the Insured shall hold back the ticket/ the date of purchase of the item mentioned in the invoice or
boarding pass and report to the Common Carrier/ Public purchase receipt and the date of loss of item.
Carrier of the non-delivery (or short delivery) of one or more
EXTENSION 11.b.: Sports Equipment Loss
Checked-In Baggage while simultaneously reporting to the
Assistance Service Provider/Insurer as provided in the ‘Claims The cover ‘Loss of Checked—in baggage’ can be extended
Procedure – General’. to cover for obtaining any lost sports equipment, whilst in
Documents required in support of the claim custody of the Common Carrier/ Public Carrier in relation to
Trip covered whereby the insured is carrying the same in his
1. Property irregularity report issued by the common carrier/ baggage. We will indemnify the Insured for the expenses
Public Carrier (or confirmation of Baggage loss from an incurred to procure and replace such lost sports equipment’s,
independent agency approved by the Insurer). up to a maximum of the sum insured as specified in the Policy
2. And any other document as may be appropriately Schedule against this extension.
applicable for the claims preferred under this section of
TERMS AND CONDITIONS APPLICABLE TO – EXTENSIONS
the Policy.
OF LOSS OF CHECKED-IN BAGGAGE
In case the undelivered Checked-In Baggage is subsequently
traced by the Common Carrier/ Public Carrier and offered 1. The insured must report any Loss, theft, damage or
for delivery to the Insured, the Insured shall take delivery of deprivation of Baggage, Electronic Equipment, Sport
the Checked-In Baggage and refund the amount paid by the Equipment, to the local police and the common carrier/
Company hereunder. In case of delivery of part of the Checked- Public Carrier within 24 hours of the occurrence of the
In Baggage, the amount paid by the Company attributable to event, so a written report is available at the time of making
such Checked-In Baggage shall be refunded by the Insured to any claim.
the Company. 2. 
The insured must provide a proof of ownership of
EXTENSIONS AVAILABLE UNDER COVER - LOSS OF electronic equipment and sports equipment covered
CHECKED-IN BAGGAGE: hereunder i.e. purchase bill or invoice in the name of the
(Subject to payment of additional premium, specific acceptance insured or authorized custody of the same, if it is provided
by the company and on incorporation in Part I of the Policy by his employer/ business organization.
Schedule accordingly) 3. Should the lost Baggage and /or personal property be
The following extensions would be available to the Insured, found or traced and delivered to the Insured, the Insured
under the cover ‘Loss of Checked-in baggage’, if the Insured shall return to the Company the entire amount paid
opts for it and pays additional premium for the same. hereunder.
EXTENSION 11 .a.: Electronic Equipment Loss BASIS OF INDEMNITY FOR - EXTENSIONS OF LOSS OF
The cover ‘Loss of Checked-in baggage’ can be extended to CHECKED-IN BAGGAGE
cover for any loss of electronic equipment, whilst in custody of The liability of the Company shall be determined based on the
the Common Carrier/ Public Carrier in relation to Trip covered market value of the sports equipment, electronic equipment as
whereby the insured is carrying the same in his baggage. on the scheduled/expected date of delivery at the destination
We will indemnify the Insured for the cost of such electronic port.
equipment after accounting for depreciation, unless the
Insured can produce supporting documents confirming that However, the maximum liability of the Company shall not
the purchase of the equipment happened less than 1 year prior exceed the overall Sum Insured amount mentioned in Part
to the date of the incident, up to the maximum sum insured I of the Policy Schedule against the respective covers and
under this extension. The overall liability of the Company will extensions for all articles falling under a particular cover
not exceed the Sum Insured as specified in Part I of the Policy or extension. Any article which is covered under one of
Schedule against this extension. the extensions shall not be simultaneously covered under
another extension also. For all the electronic items and sports
There can be a per article limit for electronic equipment in the equipment’s covered here in put together, the overall liability of
policy. This will be specifically mentioned in Part I of the Policy the Company shall not exceed the Sum Insured as specified in
Schedule. However, the overall liability for this cover shall be the Policy Schedule under the respective extension.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

The cover shall be applicable individually and independently mentioned in the Part I of the Policy Schedule. The admissibility
in case of Trip involving multi destinations en-route. In event of of the claim under this section will be ascertained by the
more than one incident of loss specifically covered hereunder Company on the basis of evidences submitted by the Insured.
during the Trip, the Company’s overall liability shall be limited This cover is meant only for damage to the baggage and not
to only one such incident, unless otherwise specified in Part I for the damage of individual articles contained in the baggage.
of the Policy Schedule.
EXCLUSIONS APPLICABLE TO COVER - DAMAGE TO
EXCLUSIONS APPLICABLE TO – EXTENSIONS OF LOSS OF BAGGAGE DURING TRANSIT
CHECKED-IN BAGGAGE
• In addition to the General Exclusions listed in this Policy,
In addition to the General Exclusions listed in this Policy, no no payment shall be made by the Company in connection
payment shall be made by the Company in connection with with the following:
the following:
• Any damage which has not occurred in the custody of
The Company shall not be liable to make any payment under Common Carrier/ Public Carrier
the extensions or for any expenses related to electronic
equipment or sporting equipment for the following situations: • Normal wear and tear of the luggage

1. Any Deductible amount as mentioned against this cover CLAIMS PROCEDURE APPLICABLE TO COVER - DAMAGE
in the Policy Schedule TO BAGGAGE DURING TRANSIT

2. Any loss due to confiscation by customs or any other In the event of damage to baggage during transit, the Insured
lawful authority where the Policyholder’s and/or insured’s shall immediately report to the Common Carrier/ Public Carrier
use and/or possession of such item(s) is unlawful; of this fact while simultaneously reporting to the Assistance
Service Provider/Insurer as provided in the ‘Claims Procedure
3. While shipped under any freight agreement or sent by – General’ section.
postal or courier services
Documents required in support of the claim:
4. Loss/damage to any electronic data or software, unless
otherwise specified under an extension to this cover • 
Proof of damage to the baggage during the transit
certified by the common carrier/ Public Carrier or with a
5. Loss/damage caused by: picture of the damaged baggage taken during the same
(i) Activity of moth, vermin or rodents, wear and trip
tear, atmospheric or climate conditions or gradual • Visual evidence should show the bag bearing the airline/
deterioration; common carrier/ Public Carrier tag /whereby the name
(ii) Mechanical or electrical failure; and destination of the passenger should be visible.
(iii) Any process of cleaning, restoring, repairing or • Any other document as required by the ASP / TPA / Insurer
alteration; COVER 13 : DELAY OF CHECKED-IN BAGGAGE
(iv) Scratching or breaking of fragile or brittle articles, if The Company shall pay to the Insured, the amount as specified
as a result of negligence against this cover in Part I of the Policy Schedule as a fixed
CLAIMS PROCEDURE APPLICABLE TO – EXTENSIONS OF allowance in case the Insured shall encounter a delay in
LOSS OF CHECKED-IN BAGGAGE receipt of his/ her Checked-In Baggage due to any reason, at
In event of the Electronic equipment and/or Sports equipment the instance of the common carrier/ Public Carrier including
covered hereunder being lost by the Insured anytime during misdirection and mislaying for more than six(6) consecutive
the period of coverage, the Insured shall immediately report hours or beyond the minimum time as mentioned against the
to the Assistance Service Provider / the Company / TPA / cover as Deductible in Part I of the Policy Schedule from the
In-house claim processing team of the Company. He / she time of arrival of the Common Carrier/ Public Carrier whilst on
shall also report the loss to the appropriate authority of the a Trip covered hereunder.
Common Carrier/ Public Carrier depending upon the place of The cover shall be applicable individually and independently
loss and get his / her complaint registered within 24 hours of in case of Trip involving multi destinations en-route. In event
occurrence of such incident. of more than one incident of delay of Checked-In Baggage
Documents required in support of the claim: during a Trip, the Company’s overall liability shall be limited
to loss suffered by the Insured for only one of such incidents
Duly completed claims form to be supported by: of delay of Checked-in Baggage, or any other number of
1. Copies of the letter addressed to the Common Carrier/ Public such instances as specified in Part I of the Policy Schedule.
Carrier, police authorities with their acknowledgment/FIR; The amount mentioned is for a single event of delay in case
2. In case the value of items which were part of lost baggage/ of a Single Trip or Two instances in case of a Round Trip or
hand baggage/ cabin baggage is more than 100 US$, the number of incidences as specified in Part I of the Policy
Invoice/purchase bill of the items covered hereunder in Schedule, irrespective of pieces of baggage delayed.
case of indemnity claims. EXCLUSIONS APPLICABLE TO COVER - DELAY OF
3. And any other document as may be appropriately CHECKED-IN BAGGAGE:
applicable for the claims preferred under this section of In addition to the General Exclusions listed in this Policy, no
the Policy. payment shall be made by the Company in connection with
COVER 12 : DAMAGE TO BAGGAGE DURING TRANSIT the following:
If the checked-in baggage gets damaged during transit, then • Delay in delivery of the Checked-In Baggage arising out of
the Company would pay the insured a flat benefit amount as and resulting from detention / confiscation by the Common

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Carrier/ Public Carrier / customs / government agencies / • Delay in delivery of the Checked-In Baggage arising out of
other agencies unless in situations of any social/political and resulting from detention / confiscation by the Common
instability beyond the control of the insured, necessitating Carrier/ Public Carrier / customs / government agencies /
stringent checking, resulting in a delay. other agencies unless in situations of any social/political
instability beyond the control of the insured, necessitating
• In case the period of delay does not exceed the deductible stringent checking, resulting in a delay.
time specified in Part I of the Policy Schedule. • In case the period of delay does not exceed the deductible
• Delay attributable to damage to Checked-In Baggage time specified in Part I of the Policy Schedule.
warranting an examined delivery by the Common Carrier/ • Delay attributable to damage to Checked-In Baggage
Public Carrier. warranting an examined delivery by the Common Carrier/
Public Carrier.
CLAIMS PROCEDURE APPLICABLE TO COVER - DELAY OF
CHECKED IN BAGGAGE CLAIMS PROCEDURE APPLICABLE TO COVER – SMART DE-
LAYED CHECKED IN BAGGAGE
In the event of delay of Checked-In Baggage, the Insured shall
In the event of delay of Checked-In Baggage, If Insured is out-
immediately report to the Common Carrier/ Public Carrier of side India, and notify the Assistance Service Provider that his/
this fact while simultaneously reporting to the Assistance her baggage has been delayed, insured will receive automatic
Service Provider/Insurer as provided in the ‘Claims Procedure real-time push notifications in the form of email/SMS updates
– General’ section. every time there is a chance to the status of his/her delayed
baggage. The Assistance Service Provider will track and ex-
Documents required in support of the claim:
pedite the return of the delayed baggage for the first 96 hours
1. Property irregularity report stating the scheduled time from when the destination flight lands
of delivery and actual time of delivery of the Checked-In COVER 15 : LOSS OF BAGGAGE AND PERSONAL EFFECT
Baggage issued by the Common Carrier/ Public Carrier The baggage and personal effects considered under this cover
(or confirmation of Baggage delay from an independent is as follows:
agency approved by the Insurer).
a. The loss of baggage occurring any time after the delivery
2. 
Copies of correspondence exchanged, if any, with the of the Checked-In Baggage is taken from the Common
Common Carrier/ Public Carrier in connection with the Carrier/ Public Carrier, or in any case any time after the
delay in delivery of the Checked-In Baggage. Insured leaves the exit gate of the airport/departure port
(including while he is travelling in the rented vehicle), and
3. And any other document as may be appropriately appli- any time before the baggage is once again checked-in in
cable for the claims preferred under this section of the Pol- connection with furtherance of the scheduled journey be-
icy. ing part of the Insured Trip within the Period of Insurance.
4. In event the compensation has been paid to the Insured b. For Hand and cabin baggage, cover shall commence from
under the cover - Delay of Checked-In Baggage and upon the time the Insured shall have passed through the se-
further investigation it is later determined that Checked- curity at the airport at the port of origin or any such de-
In Baggage of the Insured has been lost by the Common parture port and continue until the Insured completes or
Carrier/ Public Carrier, any amount claimed and paid to terminates his / her Trip covered hereunder
the Insured under the Cover - Delay of Checked-In Bag-
gage will be deducted from any payment due, to the In- The Company shall reimburse you on actuals on declaration of
sured under the Cover - Loss of Checked-In Baggage the customer upto the SI limit specified in the Part I of the Policy
Schedule for the loss sustained to your baggage and personal
COVER 14: SMART DELAYED CHECKED IN BAGGAGE
effects due to theft, burglary, theft, robbery, hold-up or any
The Company shall pay to the Insured, the amount as spec- similar event including natural disaster(s) & Terrorism whilst
ified against this cover in Part I of the Policy Schedule as a on a Trip where such loss is due to circumstances beyond Your
fixed allowance in case the Insured shall encounter a delay in
receipt of his/ her Checked-In Baggage due to any reason, at control. In case, the value of items which were part of lost
the instance of the common carrier/ Public Carrier including baggage/ hand baggage/ cabin baggage is more than 100
misdirection and mislaying for more than six(6) consecutive US$, Invoice/purchase bill of the items covered hereunder in
hours or beyond the minimum time as mentioned against the case of indemnity claims.
cover as Deductible in Part I of the Policy Schedule from the If mentioned specifically in the Part I of the Policy Schedule,
time of arrival of the Common Carrier/ Public Carrier whilst on
we would pay the Insured a lump sum amount. Any payment
a Trip covered hereunder.
under this cover shall be limited to the sum insured specified in
The cover shall be applicable individually and independently Part I of the Policy Schedule hereunder.
in case of Trip involving multi destinations en-route. In event
of more than one incident of delay of Checked-In Baggage Incidents like robbery, theft, burglary, hold-up or any similar
during a Trip, the Company’s overall liability shall be limited incident resulting in claim, need to be reported to the local
to loss suffered by the Insured for only one of such incidents police within 24 hours of the occurrence of such incidence. This
of delay of Checked-in Baggage, or any other number of such condition would be applicable to the mentioned cover of ‘Loss
instances as specified in Part I of the Policy Schedule. The of Baggage & Personal Effects’ and all its extensions.
amount mentioned is for a single event of delay in case of a
Single Trip or Two instances in case of a Round Trip or the EXTENSIONS AVAILABLE UNDER COVER - LOSS OF
number of incidences as specified in Part I of the Policy Sched- BAGGAGE AND PERSONAL EFFECTS:
ule, irrespective of pieces of baggage delayed. (Subject to payment of additional premium, specific acceptance
EXCLUSIONS APPLICABLE TO COVER - SMART DELAYED by the company and on incorporation in Part I of the Policy
CHECKED IN BAGGAGE Schedule accordingly)
In addition to the General Exclusions listed in this Policy, no The following extensions would be available to the Insured,
payment shall be made by the Company in connection with under the cover ‘Loss of baggage and personal effects’, if the
the following: Insured opts for it and pays additional premium for the same.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

EXTENSION 15 .a.: Loss of Electronic Equipment 2. Any loss happening in the Country of Residence
The cover ‘Loss of Baggage and Personal Effects’ can be EXTENSION 15 c.: Loss of Sports Equipment
extended to cover for any loss of electronic equipment, due The cover ‘Loss of Baggage and Personal Effects’ can be
to theft, burglary, robbery, theft ,mugging, hold up or any extended to cover for obtaining any lost sports equipment due
similar incidence whereby the insured is carrying the same to theft, burglary, theft, hold-up, robbery or mugging, whereby
in his baggage and is on a insured trip. We will indemnify the insured is carrying the same in his baggage and is on a
the Insured for the cost of such electronic equipment after insured trip. We will indemnify the Insured for the expenses
accounting for depreciation, unless the Insured can produce incurred to procure and replace such sports equipment or
supporting documents confirming that the purchase of the we will indemnify the cost of renting the same type of sports
equipment happened less than 1 year prior to the date of the equipment and penalty charges imposed by Rental sports
incident, up to the maximum sum insured under this extension. equipment company under the Rental sports equipment hiring
The overall liability of the Company will not exceed the Sum agreement, up to a maximum of the sum insured as specified
Insured as specified in Part I of the Policy Schedule under this in the Policy Schedule under this extension under the Cover -
Cover ‘Loss of Baggage and Personal Effects’.
There can be a per article limit for electronic equipment in the There can be a per article limit for sports equipment in the
policy. This will be specifically mentioned in Part I of the Policy policy. This will be specifically mentioned in Part I of the Policy
Schedule. However, the overall liability for this cover shall be Schedule. However, the overall liability for this cover shall be
limited to the maximum Sum Insured mentioned in Part I of the limited to the maximum Sum Insured mentioned in Part I of the
Policy Schedule. Policy Schedule
For the losses limited to electronic equipment covered under TERMS AND CONDITIONS APPLICABLE TO COVER - LOSS
this Cover - The purchase receipt of the item after considering OF BAGGAGE AND PERSONAL EFFECTS & EXTENSIONS
depreciation or market value of the item at the day of loss, THEREIN
whichever is less will be payable. Following depreciation table 1. The insured must take all reasonable precautions for
shall be used to calculate the value of the item- the safety and supervision of their Baggage, Electronic
Ageing of items % Depreciation (on invoice value) Equipment, Money, valuables, Travel Documents and
sports equipment
Exceeding 1 year but
25% 2.  The insured must report any Loss, theft, damage or
not exceeding 2 years
deprivation of Baggage, Electronic Equipment, Sport
Exceeding 2 year but Equipment, Money or Travel Documents to the local police
50%
not exceeding 3 years and the common carrier or hotel authorities within 24
Exceeding 3 year but hours of the occurrence of the event, so a written report is
75%
not exceeding 4 years available at the time of making any claim. No claim shall
4 years old and above 100% be admitted under the Policy unless a complaint is lodged
with the police authorities and copy of the first information
Ageing of items has been calculated as the difference between
report is furnished to the Company.
the date of purchase of the item mentioned in the invoice or
purchase receipt and the date of loss of item. 3. The insured must report any Loss or theft of automatic
teller machine cards, debit cards, credit cards, travellers’
EXTENSION 15 b.: Loss of Valuables including Personal and other cheques or Travel Documents to the issuing
Money authorities as soon as reasonably practicable and effect
The Cover ‘Loss of Baggage and Personal Effects’ can be appropriate cancellation measures.
extended to cover for any loss of valuables including money, 4.  The insured must provide a proof of ownership of
due to burglary, theft, hold-up or any similar incidence, Valuables, electronic equipment and sports equipment
whereby the insured is carrying the same in his baggage covered hereunder i.e. purchase bill or invoice in the name
during the period of Insurance. We will pay a lump sum of the insured or authorized custody of the same, if it is
amount as specified in the Policy Schedule under this Cover. provided by his employer/ business organization.
This extension won’t be payable, if the loss of money occurs
5. Should the lost Baggage and /or personal property be
while it is not attended by the Insured or the Insured has not
found or traced and delivered to the Insured, the Insured
taken all steps to ensure the safety of the valuable (including
shall return to the Company the entire amount paid
personal money).
hereunder.
Valuables must be owned by the Insured and not hired by,
loaned, or entrusted to him/her. BASIS OF INDEMNITY FOR COVER - LOSS OF BAGGAGE
AND PERSONAL EFFECTS & EXTENSIONS THEREIN
The robbery, theft, mugging or such similar incident must be
reported to the police where the incident occurred, within 24 The liability of the Company shall be determined based on the
hours of occurrence of such an incident. market value of the Contents of the Baggage and Personal
Effects including sports equipment, electronic equipment or
EXCLUSIONS APPLICABLE TO EXTENSION – LOSS OF travel documents (excluding, however, the Valuables) as on
VALUABLES INCLUDING PERSONAL MONEY: the scheduled/expected date of delivery at the destination
In addition to the General Exclusions listed in this Policy, no port.
payment shall be made by the Company in connection with
However, the maximum liability of the Company shall not
the following:
exceed the overall Sum Insured amount mentioned in Part
1. We will not pay for any shortage due to exchange rate or I of the Policy Schedule against the respective covers and
depreciation in value or for loss of any valuables including extensions for all articles falling under a particular cover or
personal money not immediately reported to us. extension. Any article which is covered under the main cover

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

or one of the extensions shall not be simultaneously covered 11. Loss/damage to any electronic data or software, unless
under another extension also. For all the electronic items, otherwise specified under an extension to this cover
sports equipment’s covered here in put together, subject to the
12. Loss/damage caused by:
overall liability of the Company not exceeding the Sum Insured
as specified in the Policy Schedule under this Cover- ‘Loss of (i) 
activity of moth, vermin or rodents, wear and
Baggage and Personal Effects’. tear, atmospheric or climate conditions or gradual
The cover shall be applicable individually and independently deterioration;
in case of Trip involving multi destinations en-route. In event (ii) mechanical or electrical failure;
of more than one incident of loss of Baggage and Personal
(iii) 
any process of cleaning, restoring, repairing or
Effects including hand and/or cabin baggage and/or valuables
alteration;
specifically covered hereunder during the Trip, the Company’s
overall liability shall be limited to only one such incident of loss (iv) Scratching or breaking of fragile or brittle articles, if
of Baggage and Personal Effects, unless otherwise specified as a result of negligence of the Policyholder and/or
in Part I of the Policy Schedule the insured.
EXCLUSIONS APPLICABLE TO COVER - LOSS OF BAGGAGE 13. Whilst carried in or on a Common Carrier/ Public Carrier,
AND PERSONAL EFFECTS &EXTENSIONS THEREIN unless:
In addition to the General Exclusions listed in this Policy, no (i) accompanying the insured as personal cabin baggage
payment shall be made by the Company in connection with or
the following:
(ii) 
the Common Carrier/ Public Carrier operator has
The Company shall not be liable to make any payment specifically instructed the Policyholder or insured that
under this cover or for any expenses related to baggage and such items must be placed in the hold prohibiting
personal effects, electronic equipment, valuables (including the insured from carrying the item(s) as personal
personal money), sporting equipment or travel documents for cabin baggage. Where the insured is so prohibited,
the following situations: the Electronic Equipment must be reasonably and
1. Any Deductible amount as mentioned against this cover adequately packaged and protected from theft or
in the Policy Schedule damage.
2. Any loss of partial Contents of the baggage or hand 14. where theft or attempted theft occurs whilst such an
baggage or cabin baggage except for loss of sports item(s) is left unattended, unless securely locked inside
equipment and/or loss of electronic equipment and/or a building or securely locked out of sight inside a motor
loss of valuables if the applicable extensions of ‘Loss of vehicle (unless the insured has no option other than to
Valuables including Personal Money’, ‘Loss of Electronic leave the equipment unattended due to an emergency
Equipment’ and ‘Loss of Sports Equipment’ have been medical, security or evacuation situation).
opted for by the Insured
3. Loss of Baggage and Personal Effects other than owned CLAIMS PROCEDURE APPLICABLE TO COVER - LOSS
and / or belonging to and / or in lawful custody of the OF BAGGAGE AND PERSONAL EFFECTS & EXTENSIONS
Insured at the time when the Insured commenced the Trip THEREIN
covered hereunder; In event of the Baggage and Personal Effects covered
4. Loss of any Valuables unless the extension of ‘Loss of hereunder being lost by the Insured anytime during the period
Valuables including Personal Money’ has been opted for of coverage, the Insured shall immediately report to the
by the Insured Company or its Assistance Service Provider. He / she shall
5. Any loss due to theft or burglary or mugging or robbery also report the loss to the police authorities having jurisdiction
or theft or hold-up not reported to the police authorities over the place of loss, and to the appropriate authority of the
within 24 hours of the occurrence of the incident and a Common Carrier/ Public Carrier and/or to the authorities of the
written police report being obtained in that regard. hotel / guest house / accommodation provider depending upon
the place of loss and get his / her complaint registered within
6. Any loss arising out of devaluation of currency or 24 hours of occurrence of such incident.
shortages due to errors or omissions during monetary
transactions; loss of coins and bank notes in excess of the Documents required in support of the claim:
amount allowed by any applicable currency regulations Duly completed claims form to be supported by:
at the time of the commencement of the Trip or while
such currency or money is carried in or on a Common 1. Copies of the letter addressed to the police authorities,
Carrier/ Public Carrier, unless accompanying the insured hotel / guest house / accommodation provider with their
as personal cabin baggage acknowledgment/FIR;
7. Any loss due to confiscation by customs or any other 2. In case the value of items which were part of lost baggage/
lawful authority where the Policyholder’s and/or insured’s hand baggage/ cabin baggage is more than 100 US$,
use and/or possession of such item(s) is unlawful; Invoice/purchase bill of the items covered hereunder in
case of indemnity claims.
8. While shipped under any freight agreement or sent by
postal or courier services 3. For loss of sports equipment cover, we would require rental
9. Loss/damage to vehicles or their accessories (except agreement/declaration proving hire of sports equipment
keys); from authorized company and Confirmation from Rental
Company on charges pressed in event of theft. And any
10. Loss/damage to sporting equipment or bicycles whilst in other document as may be appropriately applicable for
use; the claims preferred under this section of the Policy.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

COVER 16: DEBIT AND CREDIT CARD AND FOREX CARD – occurring after the time of reporting the loss or Theft to
FRAUDULENT UTILIZATION the issuing bank.
In the event of loss or Theft of the Insured Person’s bank issued 10. Any claim, which is in any manner fraudulent or supported
debit/credit/forex card in a Country of Visit whilst on a Trip, the by any fraudulent statement or device, whether by the
Company shall pay or reimburse the financial loss incurred by Insured Person or by any person acting on behalf of the
the Insured Person, arising out of any fraudulent utilization of Insured Person.
such card from the time of such loss or Theft being reported 11. Any loss falling under the ‘General Exclusions’ Section of
until the time the customer informs to issuing bank to block the Policy.
such card, up to the limit of Sum Insured as specified against
CLAIMS PROCEDURE APPLICABLE TO COVER – DEBIT
this Benefit in the Policy Certificate. The Insurer’s liability to
AND CREDIT CARD AND FOREX CARD – FRAUDULENT
make payment is only in excess of the Deductible as specified
UTILIZATION
in policy certificate.
In event of the fraudulent utilization of Debit / Credit / Forex card
This Benefit shall be payable subject to the following:
covered hereunder being lost by the Insured anytime during
1. All claims made under this Benefit shall be payable in the period of coverage, the Insured shall immediately report to
India and in Indian Rupees only. the Company or its Assistance Service Provider. He / she shall
2. The Insured Person must have taken all reasonable steps also report the loss to the police authorities having jurisdiction
to avoid any loss, damage or expense. over the place of loss, and to the appropriate authority of the
3. The loss or Theft is to be reported to the issuing bank as Common Carrier/ Public Carrier and/or to the authorities of the
soon as practicable, and a written police report is to be hotel / guest house / accommodation provider depending upon
furnished to the Company. the place of loss and get his / her complaint registered within
24 hours of occurrence of such incident.
4. A Deductible of an amount specified in the Policy
Certificate shall be separately applicable for each and Documents required in support of the claim:
every claim made under this Benefit. Duly completed claims form to be supported by:
TERMS AND CONDITIONS APPLICABLE TO COVER: DEBIT 1. Copies of the letter addressed to the police authorities,
AND CREDIT CARD AND FOREX CARD – FRAUDULENT hotel / guest house / accommodation provider with their
UTILIZATION acknowledgment/FIR;
1. All claim under this section shall be payable in India and 2. And any other document as may be appropriately
in Indian Rupees only. applicable for the claims preferred under this section of
2. Any suit or legal proceedings against the Company the Policy.
under this section shall be filed and instituted in the court COVER 17 : LOSS OF PASSPORT AND INTERNATIONAL
having jurisdiction in India only. DRIVING LICENSE
3. Each insured person must take all reasonable steps to In the event the Insured loses or damages his/her original
avoid any loss, damage or expense. passport or international driving license overseas due to
EXCLUSIONS APPLICABLE TO COVER: DEBIT AND CREDIT robbery, burglary, theft or natural disasters during the Trip
CARD AND FOREX CARD – FRAUDULENT UTILIZATION covered under the Policy, the Company shall pay to the insured
a fixed benefit amount as mentioned in Part I of the Policy
The Company shall not be liable to make any payment for
Schedule
any claim under this Benefit of the Policy in respect of an
Insured Person, directly or indirectly for, caused by, arising The Company’s liability under this cover in relation to the loss
from or in any way attributable to any of the following: shall be limited to the Sum Insured specified in Part I of the
Policy Schedule.
1. Any claims where the loss can or could have been
recovered from any other source. In event of more than one incident of loss during the period of
Insurance, the Company’s liability shall be limited to only one
2. Any claims where the reporting procedures of the issuing
such incident of loss.
bank have not been followed as soon as practicable from
the time of the Insured Person becoming aware of the EXCLUSIONS APPLICABLE TO COVER - LOSS OF PASSPORT
loss or Theft. AND INTERNATIONAL DRIVING LICENSE
3. Any claim where loss or Theft is not notified to the local In addition to the General Exclusions listed in this Policy, no
police as soon as practicable from the time of the Insured payment shall be made by the Company in connection with
Person becoming aware of the loss or Theft. the following:
4. Any claim arising out of a loss where Insured Person has 1. Loss of the passport or international driving license due to
left the card unattended. delay or confiscation or detention by the customs, police
or public authorities.
5. Any costs incurred in procurement of a new card.
2. Loss of the passport or international driving license unless
6. Any claims arising out of, or in connection with any
it has been reported to the police authorities within 24
contractual liability.
hours of the Insured becoming aware of the loss and a
7. Any claim arising out of a loss where the Insured Person, written police report being obtained in that regard.
his/her Immediate Family Member, relative, colleague,
3. Loss of passport or international driving license anywhere
Travelling Companion or business staff is involved as an
in the Country of Residence or prior to policy inception
accomplice or accessory.
date.
8. Any loss or damage of a consequential nature.
4. Loss caused due to the Insured’s failure to take reasonable
9. Any financial loss or liability due to misuse of card steps to guard against the loss of passport/ driving license.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

CLAIMS PROCEDURE APPLICABLE TO COVER - LOSS OF of travel tickets upon cancellation paid in advance of a
PASSPORT AND INTERNATIONAL DRIVING LICENSE proposed journey, if any;
In the event of any of the contingencies covered under this The deductible under this cover shall be applicable, if any
Cover, resulting in the claim under the said cover, Contact and shall be of an amount as specified in Part I of the Policy
the Indian Embassy for getting the new passport /emergency Schedule.
certificate made and immediate notice thereof shall be given EXTENSIONS AVAILABLE UNDER COVER - TRIP
to the Company/Assistance Service Provider of the Company CANCELLATION (subject to payment of additional premium,
& kindly refer to ‘Claims Procedure – General’ section specific acceptance by the company and on incorporation in
Documents required in support of the claim: the Part I of the Policy Schedule accordingly)
In event of passport loss, EXTENSION 18.a: Reimbursement of Cancellation charges
of pre-booked events
1. Police Report obtained within 24 hours, copy of the
emergency certificate and application for duplicate If the Policyholder or the Insured had purchased tickets for
passport in the Country of Residence; events/ sightseeing/excursion activities for use during his Trip
which he has to cancel due to the contingencies mentioned
2. And any other document as may be appropriately under the base cover ‘Trip Cancellation’ or its extension, we
applicable for the claims preferred under this section of will reimburse the non-refundable charges of the pre-booked
the Policy tickets. For the purpose of this cover, event is described as a
In event of International driving license loss, confirmed affair organized majorly with a performance etc.
1. Copy of Police Report with an expected attendance of at least 1000 people for which
the insured has booked a ticket.
2. Receipt for payment of charges for obtaining a duplicate
We shall indemnify maximum of one event of Trip Cancellation
international driving license
for single-trip/round-trip or as mentioned in Part I of the Policy
And any other document as may be appropriately applicable Schedule during the policy period.
for the claims preferred under this section of the Policy Extension 18 b: Frequent flyer points:
SECTION 4: Travel Delay, Cancellation & Curtailment If the Insured opts for this extension and had purchased the
COVER 18: TRIP CANCELLATION airline ticket (and/or other Common Carrier/Public Carrier ticket
The Company shall indemnify the Insured for the financial loss ) of the Trip using frequent flyer or similar reward points and the
incurred by the insured arising out of cancellation of the trip trip is subsequently cancelled as a result of the contingencies
following unexpected events, upto before the departure of the mentioned under the base cover of ‘Trip Cancellation’ or its
Trip solely attributable to and/or arising out of: extension and the loss of such points cannot be recovered
from any other source, We will reimburse the Insured for the
i.  Sickness or injury which requires medical attention/
booking amount, using the conversion factor of the frequent
consultation and the insured is advised in writing by
flyer/reward program service provider, subject to the overall
treating medical practitioner as unfit for travel. Death
liability of the Company not exceeding the Sum Insured as
or imminent death from an unforeseen illness or injury,
specified in Part I of the Policy Schedule under this extension.
quarantine of you or any of your immediate family member
or travelling companion (insured in the policy for the same EXCLUSION APPLICABLE TO COVER - TRIP CANCELLATION
itinerary and exact same trip duration) AND EXTENSIONS THEREIN
ii. Personal contingencies like hijack, quarantine, kidnap etc. In addition to the General Exclusions listed in this Policy, no
your presence required by judicial authority in the course payment shall be made by the Company in connection with
of its proceedings during the period of insurance. the following:
iii. Natural Calamities of which you were not aware at the 1. Any change of plans or dis-inclination on your part or that
time of purchase of the policy like avalanches, landslides, of any other passenger to travel.
floods, hurricanes, tornadoes, blizzards, cyclones, volcanic 2. Lack in the number of persons required to commence any
eruptions, earthquakes, forest fire, tsunamis etc. at your tour, conference, accommodation or travel arrangement
place of residence or your departure city or one of Your or the negligence of the wholesaler or the operator
destination(s) as per your itinerary 3. The failure of your travel agent to pass on the monies to
iv. A Terrorism / Terrorist attack which occurs in your place operators or to deliver promised services
of residence or your departure city, or in a city which is a 4. A Major Travel Event that prevents You from travelling to
scheduled destination for your Covered Trip provided that one of Your destination(s) in your itinerary
the act of Terrorism occurs within 15 days prior to your
5. Advisory issued by the government of India not to travel
departure ;
or prevention of travel by government of India
v. In case of loss of passport due to theft/robbery/burglary
6. Any claim for a medical condition if any of the following
etc. and reissue of new passport has not happened prior
applied when you purchased or renewed your Policy or
to travel date (Applicable only to international travel)
when you booked your trip (whichever is later)-
Subject to the maximum liability of the Company as stated in
i) You, your immediate family or travelling companion
Part I of the Policy Schedule, the Company shall pay to the
had received advice, medication or treatment for any
Insured:
serious, chronic or recurring illness, injury or disease in
1. The payments made for travel in advance by You which the last 12 months unless the condition was disclosed
are non-recoverable after initiation of cancellation of the to and accepted by us
same.
ii) You, your immediate family or travelling companion
2. Official cancellation charges/ non-refundable amount were under investigation or awaiting results for any

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

diagnosed or undiagnosed condition unless disclosed a. Non-refundable expenses for air, land or sea travel
to and accepted by us through a common carrier/ Public Carrier for the
iii) You, your immediate family or travelling companion cancelled part of the trip
were on a waiting list for in-patient treatment or b. Any additional costs/expenses on account of air
were aware of the need for in-patient treatment (economy class fares unless specifically mentioned
iv) You, your immediate family or traveling companion by the treating doctor only), land or sea travel
has been diagnosed with a terminal illness; through a common carrier/ Public Carrier resulting
from amendment of the existing tickets or booking
6. Any cancellation due to Hospitalization resulting from pre-
of new tickets in case the existing tickets cannot be
existing disease, Childbirth, Pregnancy or related medical
amended.
complications to You, Your immediate family or travelling
companion. c. Hotel accommodation expenses, per day tariff not
exceeding that of the same class of hotel initially
7. Any claim where you were aware of the fact that the perils
booked for stay in the location where the peril has
listed in the above section existed prior to the purchase of
occurred, in case trip is disrupted and Insured is to
the policy
remain overseas
8. Failure to start the journey due to rejection of VISA in case
EXTENSIONS AVAILABLE UNDER COVER- TRIP
of international travel only.
INTERRUPTION OR CURTAILMENT (subject to payment of
9. If your trip is cancelled due to Natural Calamity not additional premium, specific acceptance by the company and
declared by the appropriate government authority. on incorporation in the Part I of the Policy Schedule accordingly)
10. Cancellation of the trip either wholly or in part done at the EXTENSION 19.a: Trip Resumption
instance of the common carrier/ Public Carrier or by the In the event of cancellation of part of the Trip of the Insured
travel agent, Air transport Authority or any government covered hereunder, that necessitates the Insured’s return
body back to the City of Residence of the Insured before completion
11. Strike, Civil unrest, labour disputes and other similar of the Trip, and for which compensation to the Insured for
events which existed or of which advance warning had the cancellation charges and the additional transportation
been given prior to the date on which Trip was booked expenses are paid under Trip Interruption & Curtailment, the
12. Any event which could trigger ‘Trip Cancellation’ having Company shall reimburse the cost of travel through Common
occurred more than 15 days before the commencement of Carrier/ Public Carrier in Economy Class as actually incurred
trip or issuance of policy by the Insured to resume the Trip from the City of Residence of
For event cancellation cover, the events covered shall not the Insured or the Port where Insured is stranded to the place
include personal family events, political rallies/agendas/strikes, where the trip was interrupted, subject to the maximum Sum
anti-national or anti-social gatherings or events of any illegal Insured specified in Part I of the Policy Schedule.
nature. For this extension to trigger, the claim must be admissible
COVER 19: TRIP INTERRUPTION OR CURTAILMENT under Trip Interruption and Curtailment.
If the below mentioned circumstances cause a disruption to EXTENSION 19.b: Missed event due to Itinerary Change
your Trip: In the event Your Travel Agent makes a change in Your Trip
itinerary after Your Scheduled Departure Date, which prevents
A. If Your trip is disrupted and You have to shorten Your trip
You from participating in an event/Prepaid activity scheduled
and return directly to the Home Country or the Country/
on Your Trip itinerary, we will reimburse the non-refundable
Port of Origin of the trip, due to -
charges of the pre-booked tickets. For the purpose of this
a. You suffer a serious injury or serious sickness and cover, event is described as a confirmed affair organized
receive medical advice to discontinue the trip majorly with a performance etc. with an expected attendance
b. The air craft or vessel on which you are onboard is of at least 1000 people for which the insured has booked a
hijacked ticket.
c. Due to an unexpected death or injury or sickness of EXCLUSIONS APPLICABLE TO COVER -TRIP INTERRUPTION
Your Close Relative or your Travel Companion OR CURTAILMENT & EXTENSIONS THEREIN
d.  In case of loss of passport due to theft/robbery/ In addition to the General Exclusions listed in this Policy, no
burglary etc. (Applicable only to international travel) payment shall be made by the Company in connection with
Or, the following:
B. If Your trip is disrupted and You have to remain Overseas 1. Interruption of the Trip either wholly or in part done at the
before returning directly back to Home Country or the instance of the Common Carrier/ Public Carrier due to any
Country/ Port of Origin reason including operational and technical reasons;
a. Due to You, Your Immediate family member or Travel 2. Interruption of the Trip either wholly or in part done by the
Companion being confined in a Hospital whilst travel agent;
Overseas for more than 5 consecutive days, or where 3. Interruption of the Trip either wholly or in part done at the
Hospital confinement is less than 5 days, upon instance of the authority governing the Common Carrier/
medical advice against travelling, thus resulting in Public Carrier or the government;
You being unable to return from Your scheduled trip 4. Any circumstances other than those that are directly
b. 
In case of loss of passport due to theft/robbery/ attributable to the perils as stated in the covers above.
burglary etc. (Applicable only to international travel 5.  Strike, civil unrest, labour disputes and other similar
We will reimburse upto the SI limits as specified in Part I of events which existed or of which advance warning had
the Policy Schedule for: been given prior to the date on which a Trip was booked.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

6. Any change of plans which are not results of any cancellation charges retained by the Common Carrier/
unforeseen circumstances outside the control of the Public Carrier or the Travel Agent;
policyholder or covered person or dis-inclination on the c. Copy of bill and a receipt / letter obtained from the
part of the covered person or of any other person to hotel and / or guest house indicating the amount paid
undertake the journey. for the accommodation, the refund given and the
7. The Exclusions specified under Cover , ‘Burglary (Home cancellation charges retained for the unused portion
Contents)’, would be applicable under this cover ’Trip of the Trip
Interruption or Curtailment’, provided any claim under d. Used boarding pass in original for return journey from
this cover is triggered due to burglary at the Insured’s the place of cancellation to the City of Residence or
residence or place of business. Place of Origin of the Insured together with the receipts
8. Any Medical treatment or expense related to Cruise cover for the refunds obtained towards the unfulfilled
portion of the Trip in case of Trip Interruption and
CLAIMS PROCEDURE APPLICABLE TO COVERS – TRIP
Curtailment.
CANCELLATION, TRIP CANCELLATION DUE TO VISA
REJECTION & TRIP INTERRUPTION OR CURTAILMENT & 3. In case the cancellation charges either for the Trip or part
EXTENSIONS THEREIN of it or in relation to the accommodation in a hotel / guest
house / other residential accommodation is waived to the
In event of any of the contingencies covered hereunder advantage of the Insured subsequent to any settlement of
resulting in the interruption or cancellation of the scheduled claim under this cover, the Insured shall forthwith return
travel being part of the Trip, immediate notice thereof shall the sum paid by the Company to the extent of such waiver.
be given by the Insured to the Company/Assistance Service
Provider.
4. For the extension ‘Reimbursement of Cancellation charges
Documents required in support of the claim:
of pre-booked events’, proof of purchase of event ticket,
1. On occurrence of an Insured event that may give rise confirmation of ticket cancellation and the cancellation
to a claim in any of the above mentioned covers of ‘Trip charges retained by them
Cancellation’, ‘Trip Cancellation due to Visa Rejection’ 5. For the extension ‘Frequent flyer points’, confirmation
and ‘Trip Interruption or Curtailment’ and its extensions, that the ticket of the cancelled trip was purchased using
in the Country of Residence of the Insured or any other frequent flyer points.
intermediate place forming part of the Trip solely
resulting from any of the reasons or conditions mentioned 6. For ‘Trip Cancellation due to Visa Rejection’, confirmation
in the cover, other than medical reasons, the Insured must of rejection by Visa Authorities, complete set of documents
submit a duly completed claims form to be accompanied submitted to the Visa Authorities as well as proof of
by: payment of Visa fee will be needed
7. For the extension ‘Trip Resumption’, confirmed common
a. Confirmation of cancellation of the Trip from the
carrier/ Public Carrier ticket and proof of travel
Common Carrier/ Public Carrier
8. For the extension ‘Missed event due to Itinerary Change’,
b. Ticket issued by the Common Carrier/ Public Carrier confirmation/declaration from the Travel agent regarding
indicating the cost of the ticket and receipt for the change in the Trip Itinerary and proof of purchase of event
refund of the fare of the Common Carrier/ Public ticket and the cancellation charges retained by them.
Carrier towards the cancelled portion of the Trip, the
cancellation charges retained by the Common Carrier/ 9. All claims resulting from injury, illness, quarantine or
Public Carrier or the Travel Agent; death must be supported by medical reports or a death
certificate (or both) indicating the necessity to cancel your
c. Original bill and a receipt / letter obtained from the trip. Other reasons should be supported with relevant
hotel and / or guest house indicating the amount paid proofs specific to the circumstances e.g. court summon for
for the accommodation, the refund given and the the witness, FIR for the loss of passport.
cancellation charges retained for the unused portion
10. All claims must be supported by documentary evidence
of the Trip;
that you have been unable to obtain a full refund from the
d. 
Used air ticket in original for return journey from travel and/or accommodation provider.
the place of cancellation to the City of Residence
And any other document as may be appropriately
or Place of Origin of the Insured which indicate the
applicable for the claims preferred under this section of
cost of the tickets together with the receipts for the
the Policy
refunds obtained towards the unfulfilled portion of
the Trip (applicable in case of Trip interruption and COVER 20 : TRIP CANCELLATION DUE TO VISA REJECTION
curtailment) If the Insured or Insured’s travelling companion is forced to
cancel the trip on account of visa rejection only, anytime up to
2. In case the cancellation or interruption and curtailment
the start of the trip, then the Insured will be covered under this
of the Trip shall result because of personal contingencies
cover, if this travel insurance cover has been issued at the time
covered hereunder, the duly completed claims form to be
of or before commencing the visa application process.
accompanied by:
This cover is not valid for immigrant or employment visa.
a. Medical evidence as may be required by the Company/
Assistance Service Provider in case of the cancellation Subject to the maximum liability of the Company as stated in
of the Trip arising out of personal contingencies of the Part I of the Policy Schedule, the Company shall pay to the
Insured or his / her Immediate Family Member; Insured:
b. Receipt for the refund of the fare (even if the refund 1. The payments made for accommodation and travel in
is NIL) of the Common Carrier/ Public Carrier towards advance by the Insured which are non-recoverable after
the cancelled portion of the Trip indicating the initiation of cancellation of the same.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

2. Official cancellation charges of accommodation and travel COVER 21 : CANCELLATION COVER FOR HOTEL AND
tickets paid in advance of a proposed journey, if any; ACCOMMODATION
The insured will not be covered for VISA rejection that happens The Company shall indemnify the Insured for the financial
on account of the following reasons: loss incurred by the insured arising out of cancellation done
a. Past or current criminal actions or record for hotel and accommodation booking following unexpected
b. Any error at the Travel Agent/Aggregator’s end. Any events, upto before the start of the Trip or any such period as
such error/situations that may lead to recurring bulk visa mentioned in Part I of the Policy Schedule solely attributable
rejections to and/or arising out of:
CLAIMS PROCEDURE APPLICABLE TO COVERS - TRIP i. 
Sickness or injury which requires medical attention/
CANCELLATION DUE TO VISA REJECTION consultation and the insured is confirmed in writing by
In the event of any of the contingencies covered hereunder treating medical practitioner as unfit for travel. Death
resulting in the visa rejection of the scheduled trip, immediate or imminent death from an unforeseen illness or injury,
notice thereof shall be given by the Insured to the Company or quarantine of your or any of your immediate family
its Assistance Service Provider. member or travelling companion ( insured in the policy for
the same itinerary and exact same trip duration)
Documents required in support of the claim –
1. Proof of visa appointment and visa rejection ii. 
Personal contingencies like hijack, quarantine, kidnap,
your presence required by judicial authority in the course
2. And any other document as may be appropriately
of its proceedings during the period of insurance.
applicable for the claims preferred under this section of the
Policy iii. Natural Calamities of which you were not aware at the
3. Confirmation of cancellation of the Trip from the Common time of purchase of the policy like avalanches, landslides,
Carrier/ Public Carrier floods, hurricanes, tornadoes, blizzards, cyclones, volcanic
eruptions, earthquakes, forest fire, tsunamis etc. at one of
4.  Ticket issued by the Common Carrier/ Public Carrier
your main destinations as per your itinerary
indicating the cost of the ticket and receipt for the refund
of the fare of the Common Carrier/ Public Carrier towards iv. A Terrorism / Terrorist attack which occurs in your
the cancelled portion of the Trip, the cancellation charges departure city, or in a city which is a scheduled destination
retained by the Common Carrier/ Public Carrier or the for your Covered Trip provided that the act of Terrorism
Travel Agent; occurs within 15days to your departure;
5. Copy of bill and a receipt / letter obtained from the hotel v. In case of loss of passport due to theft, robbery, burglary
and / or guest house indicating the amount paid for the etc. and reissue of new passport have not happened prior
accommodation, the refund given and the cancellation to travel date. (Applicable only for International Travel)
charges retained for the unused portion of the Trip; Subject to the maximum liability of the Company as stated in
Extension 20 .a: REFUND OF VISA FEE Part I of the Policy Schedule, the Company shall pay to the
 If the Insured or Insured’s travelling companion is forced to Insured:
cancel the trip on account of visa rejection only, anytime a. 
The payments made for accommodation in advance
up to the start of the trip and if the Insured has opted by You which are non-recoverable after initiation of
for this cover before or at the time of applying for Visa, cancellation of the same
then, Subject to the maximum liability of the Company as
stated in Part I of the Policy Schedule, the Company shall b. Official cancellation charges / non-refundable amount
reimburse to the Insured the Visa fee or a fixed amount as upon cancellation of accommodation paid in advance of
applicable and mentioned against this cover in Part I of a proposed journey, if any;
the Policy Schedule. The deductible under this cover shall be applicable, if any
This cover is not valid for immigrant or employment visa. and shall be of an amount as specified in Part I of the Policy
The insured will not be covered for VISA rejection that Schedule.
happens on account of the following reasons: EXCLUSIONS APPLICABLE TO COVER - CANCELLATION
a. Past or current criminal actions or record COVER FOR HOTEL AND ACCOMMODATION
b.  Any error at the Travel Agent/Aggregator’s end. Any In addition to the General Exclusions listed in this Policy, no
such error/situations that may lead to recurring bulk payment shall be made by the Company in connection with
visa rejections the following:
CLAIMS PROCEDURE APPLICABLE TO COVERS - TRIP 1. Cancellation of the Trip either wholly or in part done by
CANCELLATION DUE TO VISA REJECTION & REFUND OF the travel agent or at the instance of the Common Carrier/
VISA FEE Public Carrier;
In the event of any of the contingencies covered hereunder 2. Any circumstances other than those that are directly
resulting in the visa rejection of the scheduled trip, immediate attributable to the perils as stated in the covers above.
notice thereof shall be given by the Insured to the Company or
its Assistance Service Provider. 3. Strike, civil unrest or labour disputes which existed or of
which advance warning had been given prior to the date
Documents required in support of the claim –
on which a Trip was booked.
1. Proof of visa appointment and visa rejection
4. A Major Travel Event that prevents You from travelling to
2. And any other document as may be appropriately
Your main destination(s) in your itinerary
applicable for the claims preferred under this section of
the Policy 5. Advisory issued by the Government of India not to travel
or prevention of travel by Government of India

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

6. Any change of plans which are not results of any 6. And any other document as may be appropriately
unforeseen circumstances outside the control of the applicable for the claims preferred under this section of
policyholder or covered person or dis inclination on the the Policy
part of the covered person or of any other person to COVER 22 : COMMON CARRIER DELAY
undertake the journey.
The Company shall pay a fixed amount to the Insured as
7. The Exclusions specified under Cover, ‘Burglary (Home
specified in Part I of the Policy Schedule if the departure of
Contents)’, would be applicable under this cover, provided
the scheduled common carrier/ Public Carrier is delayed by
any claim under this cover is triggered due to burglary at
more than the deductible duration specified in the Part I of the
the Insured’s residence or place of business.
Policy Schedule, at the port at the Place of Origin of the Trip
8. Any event which could trigger, ‘Cancellation cover for or any other port from where the Insured boards the Common
Hotel and Accommodation’ having occurred more than Carrier/Public Carrier within the Period of Insurance solely
15 days before the commencement of the trip or any time arising out of and consequent upon any of the contingencies
before the issuance of the policy specified hereunder:
CLAIMS PROCEDURE APPLICABLE TO COVER – a. Delay of the Scheduled Common Carrier/ Public Carrier
CANCELLATION COVER FOR HOTEL AND ACCOMMODATION due to Inclement weather at the port of origin or the port
In event of any of the contingencies covered hereunder of destination
resulting in the cancellation of the scheduled accommodation b. Delay of Common Carrier/ Public Carrier due to sudden
being part of the Trip, immediate notice thereof shall be given strike or any other action of the employees of the Common
by the Insured to the Company/Assistance Service Provider Carrier/ Public Carrier which disrupts services
Documents required in support of the claim:
c. 
Delay of the Common Carrier/ Public Carrier caused by
1. On occurrence of an Insured event that may give rise equipment failure or clearances of the Common Carrier/
to a claim in cover of ‘Cancellation cover for Hotel and Public Carrier.
Accommodation’, in the Country of Residence of the
Insured resulting from any of the reasons or conditions d. Delay of the Common Carrier/ Public Carrier caused by
mentioned above, other than medical reasons, the operational problems like crew or staff scheduling issues
Insured must submit a duly completed claims form to be etc.
accompanied by: e. Delay of the Common Carrier/ Public Carrier due to a Major
a. Copy of bill and a receipt / letter obtained from the Travel Event, Civil Unrest, Riots or Commotion at the port
hotel and / or guest house indicating the amount paid of departure or the port of destination.
for the accommodation, the refund given and the f. Cancellation or rescheduling of the flight at the instance of
cancellation charges retained for the unused portion Common Carrier/ Public Carrier that causes delay
of the Trip;
The maximum liability of the Company under this Cover shall
b. We will verify the occurrence of the perils like Hijack, be the Sum Insured as stated in Part I of the Policy Schedule.
Major Travel Event from an independent third party
The Company’s liability under this Cover shall be limited to
2. In case the cancellation of the Trip shall result because one delay encountered by the Insured for a single trip policy
of personal contingencies covered hereunder, the duly and two delay instances in case of a round trip policy or as
completed claims form to be accompanied by: specified in Part I of the Policy Schedule.
a. Medical evidence as may be required by the Us in For the purpose of this Cover, the delay would be calculated
case of the cancellation of the Trip arising out of as the difference between actual departure time and the
personal contingencies of the Insured or his / her scheduled departure time of the Common Carrier/ Public
Immediate Family Member; Carrier. Actual departure time is the time the Common Carrier/
b. Original bill and a receipt / letter obtained from the Public Carrier leaves the Common Carrier/ Public Carrier
hotel and / or guest house indicating the amount paid station or air strip (wheels up) and departs.
for the accommodation, the refund given and the
However, if the Common Carrier/ Public Carrier informs the
cancellation charges retained for the unused portion
Insured regarding the delay in the departure at least 6 hours
of the Trip
or such time as mentioned in Part I of the Policy Schedule,
3. In case the cancellation charges either for the Trip or part in advance, then the scheduled departure time would be
of it or in relation to the accommodation in a hotel / guest considered as the revised time of departure as communicated
house / other residential accommodation is waived to the and not the initial departure time as mentioned.
advantage of the Insured subsequent to any settlement of
TERMS AND CONDITIONS APPLICABLE TO COVER -
claim under this cover, the Insured shall forthwith return
COMMON CARRIER DELAY
the sum paid by the Company to the extent of such waiver.
1. On the happening of the contingency covered under this
4. All claims resulting from injury, illness, quarantine or
Cover, resulting in the delay of Insured’s Trip, immediate
death must be supported by medical reports or a death
notice thereof shall be given to the Company or Assistance
certificate (or both) indicating the necessity to cancel your
Service Provider of the Company.
trip. Other reasons should be supported with relevant
proofs specific to the circumstances e.g. court summon for EXCLUSIONS APPLICABLE TO COVER - COMMON CARRIER
the witness, FIR for the loss of passport. DELAY
5. All claims must be supported by evidence that you have In addition to the General Exclusions listed in this Policy, no
been unable to obtain a full refund from the travel and/or payment shall be made by the Company in connection with
accommodation provider. the following:

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

1. If Trip of the Insured is delayed for the period lesser than e. Delay of the flight due to a Major Travel Event, Civil Unrest,
what is mentioned as Deductible against this Cover in Riots or Commotion at the port of departure or the port of
Part I of the Policy Schedule. destination.
2. Arising out of contingencies other than those specifically f. Cancellation or rescheduling of the flight at the instance of
named herein above. flight operator that causes delay
3. For any departure which is delayed as a result of the The maximum liability of the Company under this Cover shall
insured or any other person accompanying the Insured be the Sum Insured as stated in Part I of the Policy Schedule.
on the Trip, failing to check in as required by the common
carrier/ Public Carrier. The Company’s liability under this Cover shall be limited to
one delay encountered by the Insured for a single trip policy
4. Any delayed departure, caused by strike or industrial and two delay instances in case of a round trip policy or as
action known to exist or as anticipated at the time the trip specified in Part I of the Policy Schedule.
was booked.
For the purpose of this Cover, the delay would be calculated
5. Any delay due to permanent withdrawal of services
as the difference between actual departure time and the
of Common Carrier/ Public Carrier which was publicly
scheduled departure time of the flight. Actual departure time is
announced beforehand
the time the flight leaves the air strip (wheels up) and departs.
6. Any delay caused by any change in laws, regulations etc.
which was publically announced. However, if the Common Carrier/ Public Carrier informs the
Insured regarding the delay in the departure atleast 6 hours
7. Any delay that results from a Major Travel Event, Civil or such time as mentioned in Part I of the Policy Schedule,
Unrest, Riot or Commotion, Strike or adverse weather in advance, then the scheduled departure time would be
conditions, actual or suspected mechanical breakdown / considered as the revised time of departure as communicated
derangement or structural defect of the Common Carrier/ and not the initial departure time as mentioned.
Public Carrier which was publicly known at the time of
booking of trip or purchase of this insurance. EXCLUSIONS APPLICABLE TO COVER – FLIGHT DELAY
AUTO ASSIT
CLAIMS PROCEDURE APPLICABLE TO COVER - COMMON
CARRIER DELAY In addition to the General Exclusions listed in this Policy, no
Refer to ‘Claims Procedure – General’ section payment shall be made by the Company in connection with
the following:
Documents required in support of the claim:
1. If Trip of the Insured is delayed for the period lesser than
1. Confirmation of delay of the Trip from the Common Carrier/
what is mentioned as Deductible against this Cover in
Public Carrier detailing the circumstances of delay.
Part I of the Policy Schedule.
The confirmation of this delay can either be procured
by the Insured from the Common Carrier/ Public Carrier 2. Arising out of contingencies other than those specifically
or We will use the Scheduled / Actual departure time named herein above.
of the Common Carrier/ Public Carrier as recorded by 3. For any departure which is delayed as a result of the
independent external agencies for determining the insured or any other person accompanying the Insured
admissibility of claim. on the Trip, failing to check in as required by the flight
2. The insured would have to provide documentary evidences operator.
to support that he / she reached the scheduled port of 4. Any delayed departure, caused by strike or industrial
departure on time. The evidence could be a stamped action known to exist or as anticipated at the time the trip
boarding pass etc. was booked.
3. 
And any other document as may be appropriately 5. Any delay due to permanent withdrawal of services of the
applicable for the claims preferred under this section of flight operator which was publicly announced beforehand
the Policy.
6. Any delay caused by any change in laws, regulations etc.
COVER 23: FLIGHT DELAY AUTO ASSIST
which was publically announced.
The Company shall pay a fixed amount to the Insured as
specified in Part I of the Policy Schedule if the departure of 7. Any delay that results from a Major Travel Event, Civil
the scheduled flight is delayed by more than the deductible Unrest, Riot or Commotion, Strike or adverse weather
duration specified in the Part I of the Policy Schedule, at conditions, actual or suspected mechanical breakdown /
the port at the Place of Origin of the Trip or any other port derangement or structural defect of the aircraft which was
from where the Insured boards the flight within the Period of publicly known at the time of booking of trip or purchase
Insurance solely arising out of and consequent upon any of the of this insurance.
contingencies specified hereunder: CLAIMS PROCEDURE APPLICABLE TO COVER – FLIGHT
a. Delay of the flight due to Inclement weather at the port of DELAY AUTO ASSIT
origin or the port of destination On the happening of the contingency covered under this
b. Delay of flight due to sudden strike or any other action Cover, resulting in the delay of Insured’s Flight beyond a
of the employees of the Common Carrier/ Public Carrier certain threshold as defined in Policy schedule, insured will
which disrupts services receive automatic real time push notifications in the form of
c. Delay of the flight caused by equipment failure or SMS updates informing about the flight delay status and claim
clearances of the Common Carrier/ Public Carrier. intimation process and we will pay the directly to Insured/
Insured Person/Beneficiary. For this, accurate flight details and
d. Delay of the flight caused by operational problems like bank account details have to be provided by the customer.
crew or staff scheduling issues etc.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

COVER 24: FLIGHT CANCELLATION 2. If mentioned specifically in Part I of the Policy Schedule, a
The Company shall pay the Sum Inured as mentioned in Part I fixed benefit amount equivalent to the Sum Insured would
of the Policy Schedule in case of cancellation of the scheduled be paid to the Insured in the event of Missed Connecting
departure of the flight during the Period of Insurance. Flight Provided also that the Company shall be liable
EXCLUSIONS APPLICABLE TO FLIGHT CANCELLATION: under this Cover only in event of Missed Connecting Flight
caused solely by the delay of the flight in which the Insured
In addition to the Specific Exclusions listed in this Policy, this is travelling immediately prior to the Missed Connecting
Section shall not cover: - Flight
a. Any of the causes for flight cancellation which were
The Company’s overall liability for claims of all occurrences
reasonably known to the Insured Person /Policyholder
of Missed Connecting Flight during the Period of Insurance
prior to the booking date of the Insured Person’s Insured
shall not exceed the Sum Insured specified in the Part I of
Journey or date of receipt of premium by Us, whichever is
the Policy Schedule.
later; and/or
TERMS AND CONDITIONS APPLICABLE TO COVER -
b. If the flight was cancelled 12 (twelve) hours prior to the
MISSED CONNECTING FLIGHT
time of the scheduled departure
CLAIMS PROCEDURE APPLICABLE TO COVER – FLIGHT 1. The Insured shall endeavor to take all timely steps to
CANCELLATION: ensure avoidance of missing connecting flight even in
case of delays of the arrival of the earlier connecting flight
1. Details / supporting documents of amount refunded by
the flight operator and. 2. In case of missing the connecting flight, when Insured shall
look for alternative flights for prosecuting the scheduled
2. Flight operator correspondence on the cancellation.
journey, he / she shall ensure minimum additional cost in
COVER 25 : MISSED CONNECTING FLIGHT selecting the alternative flight
The Company shall indemnify the Insured up to the Sum 3. In order to minimize the claim under this Policy, the Insured
Insured amount as mentioned in Part I of the Policy Schedule shall also take all efforts to see that the cancellation
in case of failure of the Insured to access the connecting flight/ charges are either waived or reduced to the minimum level
connecting journey through Flight as per schedule, any time by the Flight operator and / or the authorities of the hotel /
during the Trip within the Period of Insurance, arising out of guest house / any other residential accommodation.
and consequent upon the delayed arrival of the earlier flight
caused by reasons beyond the control of the Insured, provided 4. 
While preferring the claim in case of an indemnity
that, no claim shall be payable hereunder incase such delay cover, the Insured shall prove that he / she has not been
is foreseen by the Insured or that the Insured could have compensated by the flight operator or any other agency
reasonably become aware of such delay in advance. The concerned in connection with delay of the flight/ that led
delayed arrival should solely be arising out of and consequent to the situation of missing connecting flight
upon any of the contingencies specified hereunder- EXCLUSIONS APPLICABLE TO COVER - MISSED
a. Delay of the Scheduled Flight due to Inclement weather at CONNECTING FLIGHT
the port of origin or the port of destination In addition to the General Exclusions listed in this Policy, no
b. Delay of Flight due to sudden strike or any other action of payment shall be made by the Company in connection with
the employees of the Flight which disrupts services the following:
c.  Delay of the Flight caused by equipment failure or 1. If the time gap between the scheduled arrival of the
clearances of the Flight. previous flight and the scheduled departure of the next
d. Delay of the Flight caused by operational problems like flight (Missed connecting Flight) shall be less than 3 hours
crew or staff scheduling issues etc. or as specified under deductible in Part I of the Policy
Schedule.
e. Delay of the Flight due to a Major Travel Event, Civil
Unrest, Riots or Commotion at the port of departure or the 2. 
Towards expenses incurred by the Insured for any
port of destination. temporary stay.
f. Cancellation or rescheduling of the connecting flight at the 3. If the missing of the connecting flight is the result of:
instance of earlier flight that causes delay a. Any deviation from the originally scheduled route
The Company shall reimburse the Insured: done at the instance of the Insured for reasons
1. The official cancellation charges, if any, incurred by the whatsoever;
insured resulting from cancellation of the ticket by the b. Any advance intimation given to the Insured of a
Insured in relation to the Missed Connecting Flight possible delay of the connecting flight that might lead
Additional cost of transportation to proceed with the to missing of connecting flights
journey originally scheduled to have been covered by the c. Any circumstances other than those directly
Missed Connecting Flight provided that, such additional attributable to the delay of the earlier flight beyond
cost shall be in relation to the scheduled destination the control of the Insured.
and not to any different destination and provided that 4. 
If the insured does not exhibit reasonable degree of
the additional cost shall be for tickets of the same class caution and concern to avoid missing of the connecting
and / or type as of the Missed Connecting Flight. For the transport
purpose of this Cover, additional cost means difference
CLAIMS PROCEDURE APPLICABLE TO COVER - MISSED
between the actual charges incurred to proceed with
CONNECTING FLIGHT
the journey originally scheduled to have been covered by
the Missed Connecting Flight/ and the amount obtained In the event of occurrence of an event, that may give rise to a
towards refund of the Missed Connecting Flight/ claim, he / she shall report to the Company/Assistance Service

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Provider such delay furnishing the details of the connecting The Company’s liability under this Cover, however, in respect
flights, the scheduled arrival to the place of delay, actual time of any one event or all events of Hospitalization during the
of arrival and consequently the period of delay as soon as Period of Insurance shall not in total exceed the Sum Insured
possible. as specified in the Part I of the Policy Schedule.
Documents required in support of the claim: TERMS & CONDITIONS APPLICABLE TO COVER -
1. The confirmation of the flight operator of the delayed COMPASSIONATE VISIT
flight operator as to the expected time of arrival and the 1. The Insured shall as far as possible seek for such special
actual time of arrival at the port of delay together with the assistance from any one of his / her Immediate Family
reasons for delay. Member/another family member or friends, as applicable,
2. Unused ticket for the Missed connecting Flight along with either at the place of Hospitalization or any other nearest
a confirmation of cancellation / no-show of the same. place.
3. Confirmation from the operator of the Missed connecting 2.  It is a condition precedent to the Company’s liability
Flight that the fare for the part of the Trip covered by hereunder that the need for such a special assistance
the Missed connecting Flight is forfeited in full or in part and consequent visit of any one of the Immediate Family
together with the amount of forfeiture, in case of indemnity Member from a particular place is also approved by the
cover. Company/Assistance Service Provider before any one of
the Immediate Family Member/another family member or
4. Original used ticket, boarding pass obtained afresh
friends, as applicable, undertakes the Trip.
towards the alternative flight for the part of the Trip
covered by the Missed connecting Flight indicating the EXCLUSIONS APPLICABLE TO COVER -COMPASSIONATE
amount paid as fare. VISIT
5. And any other document as may be appropriately In addition to the General Exclusions listed in this Policy, no
applicable for the claims preferred under this section of payment shall be made by the Company in connection with
the Policy the following:
In the event of the forfeited amount by the Flight operator for 1. Any reason mentioned as exclusion under covers-
the Missed Connecting Flight being refunded / returned to the ‘Hospitalization Expenses for Injury’ and/or ‘Hospitalization
Insured, subsequent to any payment under this section, the Expenses for Illness and Injury’.
Insured shall return the amount so refunded in full. 2.  It is a condition precedent to the Company’s liability
hereunder that the need for such a special assistance
COVER 26 : COMPASSIONATE VISIT
and consequent visit of any one of the Family or relative
In the event of the Insured being Hospitalized consequent from a particular place is also approved by the Company/
upon any Injury sustained and / or Illness contracted during Assistance Service Provider before any one of the Family
the period of insurance at any place that is a part of the Trip or near relatives undertakes the Trip.
covered hereunder, other than the City of Residence and if
CLAIMS PROCEDURE APPLICABLE TO COVER –
such Hospitalization shall in the written opinion of the Medical
COMPASSIONATE VISIT
Practitioner attending on the Insured extend beyond a period
of 5 continuous days or such period specified in the Part I of In the event of occurrence of an event that may give rise to a
the Policy Schedule, the Company shall reimburse: claim, immediate notice shall be given and approval obtained
from the Company/Assistance Service Provider by the Insured
a. 
The cost of economy class air ticket incurred by the before seeking such special assistance.
Immediate Family Member/ another family member or
friend, in case immediate family member are not available, Documents required in support of the claim:
from and to the Place of Origin or City of Residence of Duly completed claims form to be supported by:
Immediate Family Member for rendering special assistance 1. A certificate from the Medical Practitioner recommending
to the Insured during the period of Hospitalization within the presence of an Immediate Family Member in the form
the Period of Insurance, provided that the Insured doesn’t of special assistance to be rendered during the entire
have any other source of assistance in the country/ period of Hospitalization. Certificate to also specify the
location of visit. The reimbursement for the expenses minimum period of Hospitalization.
under this Cover shall be only for one Immediate Family 2. Discharge summary of the Hospital furnishing details –
Member or friends, as applicable, of the Insured. date of admission, date of discharge, and the presence
b. Cost of boarding and lodging of the visiting member at the of the Immediate Family Member on all days of
location of visit. Hospitalization.
Our overall liability under this claim shall not exceed the 3. Copy of ticket, Copy of passport, visa with exit stamp
total SI specified against this cover in Part I of the Policy from India and entry stamp overseas / original boarding
Schedule. pass used for the travel to and fro by the Immediate
Provided that: Family Member. And any other document as may be
appropriately applicable for the claims preferred under
1. The Hospitalization has been advised by the Medical this section of the Policy.
Practitioner attending on the Insured and such
4.  Copy of invoices and payment receipts for the travel
Hospitalization is admitted under Cover- ‘Hospitalization
tickets and hotel accommodation, if any.
Expenses for Injury’ or Cover- ‘Hospitalization Expenses
for Illness and Injury’; and COVER 27 : BOUNCED BOOKINGS OF AIRLINES OR HOTEL
2. The need of such special assistance is essential in the The Company shall reimburse the actual additional expenses/
written opinion of the Medical Practitioner attending on cost incurred by the Insured up to the Sum Insured specified in
the Insured and recommended by him / her accordingly. Part I of the Policy Schedule for alternative flight arrangements

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

or for alternative accommodation in the event of the confirmed 2.  If the Insured shall fail to adhere to the rules of the
pre-paid flight or confirmed pre-paid accommodation, forming Common Carrier/ Public Carrier or the accommodation
a part of the Insured Trip, getting bounced at the sole instance provider in connection with reconfirmation of the booking
of the Common Carrier/ Public Carrier or at the sole instance of before the date of travel or occupation as the case may be
the accommodation provider, respectively. 3.  In connection with any waitlisted travel booking or
Provided that the Company’s liability shall be in relation to the accommodation booking irrespective of whether such
original travel destination covered by such a confirmed flight bookings have been promised to be confirmed later
booking and in relation to accommodation in the same place 4. If the confirmed accommodation shall be a personal
of stay and also provided that the Company’s liability to such arrangement free of charge
additional expenses shall be in relation to the same class of air 5. Where the alternative arrangements for either the travel
travel and same category of accommodation as the case may or the accommodation is provided by the Common Carrier/
be covered by the original confirmed bookings. Public Carrier or the accommodation provider as the case
The Company will bear the difference of cost in alternate may be within 6 hours or such period as mentioned in
accommodation or up-gradation to a same class or superior Part I of the Policy Schedule from the time of departure of
class of the booking for the same number of nights or same the travel covered by the bounced booking or the time of
travel destination that were overbooked (in case similar commencement of stay covered by the earlier confirmed
alternate arrangement is not available on cost of original accommodation booking
booking amount). Reasonable cost of transportation expenses 6. If you volunteer to take a late flight (Voluntary denied
to the alternative accommodation in the same city. booking).
TERMS & CONDITIONS APPLICABLE TO COVER – BOUNCED CLAIMS PROCEDURE APPLICABLE TO COVER – BOUNCED
BOOKINGS OF AIRLINES OR HOTEL BOOKINGS OF AIRLINES OR HOTEL
1. You must always check-in on time stipulated as ‘must In the event of Occurrence of an event, that may give rise to a
check-in by’ time on your reservation or fulfil any other claim, the Insured shall immediately report the said bounced
obligation on your part. booking to the Company/Assistance Service Provider.
Documents required in support of the claim:
2. In case of international flights, you are expected to have
web-checked-in prior to your arrival at the Airport if 1. A confirmation from the Common Carrier/ Public Carrier
instructed by the operator to do so of the bounced booking solely at their instance and
responsibility
3. You must be able to provide documentary evidence from
the accommodation provider or common carrier regarding 2. A confirmation from the accommodation provider of the
bounced booking. bounced booking solely at their instance and responsibility
3. Insured shall lodge his/ her claim on the Common Carrier/
4. The overbooked portion of the hotel stay must include the
Public Carrier and/ or the accommodation provider as the
first night stay.
case may be for the additional charges that he/ she might
5. The overbooking at the common carrier/ Public Carrier / have incurred for which he/ she has lodged a claim on this
accommodation must happen at check-in/ at the check-in Company and in case of any recovery from the concerned
counter. agencies, shall return such recovery to the Company to
6. It is a condition precedent to admission of liability by the extent of amount paid hereunder
Company under this cover that the Insured shall take all 4. And any other document as may be appropriately
steps to fix the primary responsibility for the bouncing of applicable for the claims preferred under this section of
bookings both with the Common Carrier/ Public Carrier the Policy
and/ or with the accommodation provider and try to 5. Bills and payment receipts for transportation and
recover from them the consequential loss incurred by the alternative hotel bookings made
Insured by way of additional expenses for alternative 6. Receipts of compensation received from common carrier/
travel arrangement or alternative accommodation Public Carrier.
arrangement. Details of the steps taken by the Insured COVER 28 : HOTEL EXTENSION DUE TO CONTINGENCY
shall be furnished to the Company, if required.
The Company shall reimburse the actual expenses for lodging
7. Any recovery towards additional expenses incurred and boarding in the same class type of accommodation (As
for alternative travel or accommodation arrangement originally planned), incurred by the Insured for extending the
effected from the Common Carrier/ Public Carrier or stay at a pre-booked hotel or guest house or any other pre-
accommodation provider as the case may be, if any, paid accommodation facility subject to the maximum Sum
effected from the concerned agencies after settlement Insured as specified in Part I of the Policy Schedule if the
of the claim under the policy shall be remitted to the departure of the Insured shall be delayed either at the port
Company to the extent of the amount of claim admitted at the Place of Origin or at any intermediate ports forming
and paid by the Company to the Insured part of the Trip within the Period of Insurance solely arising
EXCLUSIONS APPLICABLE TO COVER - BOUNCED out of and consequent upon any of the contingencies specified
BOOKINGS OF AIRLINES OR HOTEL hereunder:
In addition to the General Exclusions listed in this Policy, no 1. Major Travel Events
payment shall be made by the Company in connection with 2. Terrorism
the following: Provided that the named perils herein above shall take
1. With respect to the Deductible amount as mentioned place in and in the vicinity of any port involved in the
against this Cover in the Policy Schedule Insured’s Trip;

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

3.  Personal contingencies like Emergency Hospitalisation Medical Practitioner in case of delay being caused because of
treatment necessitated to the Insured or Insured’s Hospitalization of the Insured or Insured’s travelling companion
Traveling Companion or death of the travelling companion resulting from any Injury or Illness , as the case may be
whilst on the Trip.; In case of loss of passport and loss of travel documents, a
4. Cancellation or rescheduling of flights beyond 24 hours, copy of the first information report in relation to the complaint
done at the instance of the Common Carrier/ Public Carrier lodged with the police having jurisdiction over the place of loss
5. Lost or stolen passport or travel documents. and a copy of the application lodged with the passport office
6. Political risk and catastrophe situations for a duplicate passport
Provided that no sum shall be payable by the Company for In case of loss of travel documents, a confirmation/No-show
any delay arising due to perils named herein above in case Certificate from the Common Carrier/ Public Carrier that the
the Place of Origin also be the City of Residence of the Insured Insured could not undertake the travel as scheduled
as specified in the Policy. Also provided that the Company’s 1. In case of delay solely attributable to Common Carrier/
liability under this cover shall be limited to only one delay Public Carrier and beyond the control of the Insured a
encountered by the Insured during the entire Period of confirmation by the Common Carrier/ Public Carrier of the
Insurance in case of single/round trip policy and a maximum said delay having taken place at their instance together
of one hotel extension per trip in case of a multi trip policy and with a copy of the claim made on the Common Carrier/
will be subject to the Deductible amount as mentioned against Public Carrier for expenses incurred as a result of the
this Cover in the Policy Schedule. delay. At our prerogative, we may choose to verify this
TERMS AND CONDITIONS APPLICABLE TO COVER – HOTEL information from an independent third party.
EXTENSION DUE TO CONTINGENCY 2. And any other document as may be appropriately
1. On the happening of any contingency as stated above, applicable for the claims preferred under this section of
resulting in the Insured’s decision to delay the departure, the Policy
immediate notice thereof shall be given to the Company or
COVER 29: PISTE CLOSURE
Assistance Service Provider of the Company.
2. The Insured shall endeavour to prosecute the journey as In case of adverse and unpredicted weather due to complete
soon as possible so as to minimize the delay arising out of lack of snow or avalanche which lead to closure of Ski lifts
the contingency. and Ski schools and hence mandated the Insured to stay in
the Hotel for complete day, the Company shall pay to the
3. The Insured must have a pre-paid booking in advance at
Insured a daily compensation for maximum number of days as
a hotel or guest house or any accommodation.
specified in Part I of the Policy Schedule for each continuous
4.  Extended stay at a hotel or guest house or any and completed stay in the Hotel.
accommodation shall be of same category/class as the
original confirmed bookings and in no case it shall be CLAIMS PROCEDURE APPLICABLE TO COVER – PISTE
of higher category/class than the original confirmed CLOSURE
bookings. Documents required in support of the claim:
EXCLUSIONS APPLICABLE TO COVER - HOTEL EXTENSION 1. Confirmation from the Ski lift operator confirming Piste
DUE TO CONTINGENCY closure
In addition to the General Exclusions listed in this Policy, no 2. Local news, weather report, associated news references
payment shall be made by the Company in connection with in support of the claim
the following:
COVER 30 : AUTOMATIC EXTENSION OF PERIOD OF
1. Any delay arising out of contingencies other than
INSURANCE
specifically named herein above
2. Any delay arising out of or is consequent of government The Company shall grant the automatic extension of the
regulations or prohibition period of insurance up to a period of 15 days, from the policy
expiry date as stated in the Part I of the Policy Schedule if
CLAIMS PROCEDURE APPLICABLE TO COVER - HOTEL the trip is delayed/ extended beyond the policy expiry date
EXTENSION DUE TO CONTINGENCY for reasons beyond the control of the insured in the following
In the event of a contingency that may give rise to a claim, circumstances:
the Insured shall immediately inform the Company/Assistance 1. Delay of any Common Carrier/ Public Carrier in which the
Service Provider of the Company furnishing circumstances Insured is travelling as a fare paying passenger, solely
and the details of the delay. done at the instance of Common Carrier/ Public Carrier
The Insured shall undertake to refund any amount received
2. Unforeseen and sudden hospitalization of the Insured or
from the Common Carrier/ Public Carrier towards emergency
Insured’s traveling companion or a medical practitioner
hotel accommodation, if any such payment shall be received
advising the insured/ his or her traveling companion in
by the Insured after settlement of the claim by the Company.
written, against travelling due to an illness or injury up to
Documents required in support of the claim: 3 days prior to policy expiry date
Duly completed claims form to be supported by: 3. In the event of a Major Travel Event or catastrophe
Receipt for the amount paid to the hotel or guest house or any (earthquake, storm, flood, explosion, inundation, cyclone,
other accommodation provider tempest, epidemic due to contagious disease) in the
Details of the cause of delay in case of major travel events vicinity of any port involved in the Insured’s trip
Medical certificate furnishing details of date of admission 4. Political unrest or terrorism in the country or place where
and date of discharge together with the details of the Injury Insured is stuck whilst on a Trip or in the vicinity of any
or Illness and the treatment rendered, obtained from the port involved in the Insured’s trip

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

EXCLUSIONS APPLICABLE TO COVER - AUTOMATIC ii. Reasonable and Customary Charges incurred by the
EXTENSION OF PERIOD OF INSURANCE Insured for his/her accommodation at the nearest
In addition to the General Exclusions listed in this Policy, no place of safety up to a maximum of USD 300 per day
payment shall be made by the Company in connection with for a maximum of 7 days or upto the Sum Insured
the following: as mentioned in Part I of the Policy Schedule, if the
Insured is unable to return to the Country of Residence
1. If delay to the Common Carrier/ Public Carrier in which the at the time of happening of any of the contingencies
Insured is travelling as a fare paying passenger is done at mentioned above.
the instance of insured for any reasons whatsoever
The Company’s liability under this Cover shall not exceed
2. Any circumstances other than those that are directly the Sum Insured as specified against this Cover in the Policy
attributable to the perils as stated above Schedule.
CLAIMS PROCEDURE APPLICABLE TO COVER – AUTOMATIC EXCLUSIONS APPLICABLE TO COVER - POLITICAL RISK
EXTENSION OF PERIOD OF INSURANCE AND CATASTROPHE EVACUATION
In the event of any of the contingencies covered under this In addition to the General Exclusions listed in this Policy, no
Cover, resulting in the claim, immediate notice thereof shall payment shall be made by the Company in connection with
be given to the Company/Assistance Service Provider of the the following:
Company. In the event of claim arising between the policy 1. Insured violating the laws or regulations of the country
expiry date stated on the Policy Schedule and Insured’s from which he is to be evacuated
return to Place of Origin or 7 days from the Policy Expiry
2. Insured visiting to a country where unrest or disturbance
date, whichever is earlier, the Insured will have to provide the
is expected/ foreseeable to a reasonable person or being
following documents-
in existence prior to the start of Insured’s Trip
Documents required in support of the claim: 3.  Failure to produce or maintain immigration, work,
Duly completed claim form to be supported by: residence or similar visas, permits or other documentation
1. The confirmation/correspondence from the Common 4. Insured’s failure to honour any contractual obligation or
Carrier/ Public Carrier of the delay stating the circumstances bond or to obey any conditions in a license
which causes the delay to Common Carrier/ Public Carrier 5. Insured being a national of the country from which he is to
and details of the expected time of arrival and the actual be evacuated
time of arrival at the port of City of Residence or Place of
6. Circumstances that resulted in the Insured’s evacuation
Origin of the Insured and/or we may verify this information
being in existence prior to the Insured entering the country
from an independent Third Party Source;
or their occurrence being foreseeable to a reasonable
2. Medical Practitioner’s certificate furnishing details of date person before the Insured entered the country
of admission and date of discharge in case of Injury or CLAIMS PROCEDURE APPLICABLE TO COVER - POLITICAL
illness stating the reasons and the extent of the Injury/ RISK AND CATASTROPHE EVACUATION
Illness necessitating the hospitalization of the insured
and/or; Refer to ‘Claims Procedure – General’ section
Documents required in support of the claim
3. Official confirmation in case of political unrest or terrorism
or catastrophe • Official Declaration by embassy of Country of Residence
of the Insured
And any other document as may be appropriately applicable
for the claims preferred under any applicable section due to • Original Invoice of Hotel Accommodation during the
extension of the policy period in which Insured is unable to return to the Country
of Residence
COVER 31 : POLITICAL RISK AND CATASROPHE
EVACUATION • Original ticket(s)/boarding pass or receipt of expenses
incurred to travel back to the Country of Residence or the
If whilst the Insured is on the Trip covered within the Period of
nearest place of safety.
Insurance and:
And any other document as may be appropriately applicable
• Officials in the country where Insured is visiting,
recommend that certain categories of persons which for the claims preferred under this section of the Policy.
include the Insured should leave the country, or SECTION 5: CRUISE COVERS
• Insured is expelled from or declared persona non grata in COVER 32 : MISSED SHORE COVER
the Country he is in, or If during the period of Insurance and while on the trip, the
• A catastrophe like fire, flood, earthquake, storm, lightning, vessel on which you are aboard does not visit one of the shore
explosion, hurricane etc or epidemic due to contagious stop promised in the original travel itinerary, we will pay a fixed
disease etc has occurred in the Country the Insured is in, amount as specified in Part I of the Policy Schedule against the
necessitating his immediate evacuation in order to avoid ‘Missed Shore Cover’.
risk of personal Injury or Illness to himself, then, subject to CLAIMS PROCEDURE APPLICABLE TO COVER – MISSED
the maximum liability of the Company as stated in Part I SHORE COVER
of the Policy Schedule, the Company shall reimburse to
Refer to ‘Claims Procedure – General’ section
the Insured:
Documents required in support of the claim:
i. The cost of Insured’s return to the City of Residence or
Place of Origin of the Insured or the nearest place of a.  Travel Itinerary stating the shores to be covered as
safety up to the cost of an economy class air ticket for provided by the cruise operator
the same. b. Documented confirmation from operator mentioning
missed shores vis-à-vis original Travel Itinerary

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

c. Confirmed cruise ticket along with the confirmation of you ii. The Insured Person is admitted to the hospital or undergoes
boarding the cruise vessel Day Care Treatment within 7 days of occurrence of the
COVER 33: CRUISE INTERRUPTION Accident/Injury
We will reimburse You the expenses incurred towards any iii. Our overall liability to make any payment under this Cover
alternate travel bookings, due to any unexpected Injury or would be limited to the SI available against the mentioned
Illness to You while on a cruise which is part of the Insured Cover in Part I of the Policy Schedule
Journey, resulting in Your Hospitalization on foreign dry land. iv. The Deductible/Co-pay amount as mentioned against this
Terms and Conditions Precedent specific to this Cover: Cover, in Part I of the Policy Schedule, shall be applicable
a. Claim is admissible only if a claim under Cover1: v. 
The treatment for Illness shall commence immediately
Hospitalization Expenses due to Injury and/or Illness has after diagnosis of Illness during the Period of Insurance.
been accepted by Us The Company shall reimburse the following inpatient medical
b. Such Hospitalization should not be due to any Pre-existing expenses for Insured:
Condition. 1. Accommodation, boarding and nursing expenses;
c. You have allowed sufficient time for the scheduled 2. Diagnostic test and / or examination charges, ambulance
Common Carrier or any vehicle in which Insured were charges (Air ambulance will be paid for, only if the Insured
travelling to arrive at the next nearest port of departure of has opted for medical evacuation cover and the same has
the cruise on time. been mentioned in Part I of the Policy Schedule);
d. Expenses incurred towards any alternate travel bookings
3. Physician, surgeon, anesthetist fees;
should be done to reach the next closest port where the
vessel shall dock so that Insured can join back the same Cost of medicines provided by the Hospital / purchased
cruise from a registered pharmacy other than the Hospital as
prescribed in writing by the Medical Practitioner attending
CLAIMS PROCEDURE APPLICABLE TO COVER – CRUISE
on the Insured.
INTERRUPTION
Documents required in support of the claim: Section B - Medical cover on a cruise - Daily allowance

1. Copy of original cruise itinerary and date of booking; In the event of Hospitalization of the Insured due to an Illness
contracted or due to an accidental injury whilst on a cruise
2. Copy of medical records/discharge summary, in case of within the Period of Insurance, the Company shall pay to the
Hospitalization / treating doctor’s report and prescription, Insured a daily compensation for maximum number of days as
if applicable; specified in Part I of the Policy Schedule for each continuous
3. 
Copy of diagnostic reports/pathological/ radiological and completed period of 24 hours of Hospitalization of Insured.
reports, if any; and The maximum liability of the Company in respect of all claims
4. 
Copy of the travelling expenses incurred towards any under this cover would be limited to the Sum Insured specified
alternate travel bookings in reaching the next closest port in Part I of the Policy Schedule. The liability of the Company
where the vessel shall dock so that the Insured Person can to make payment will only commence after the Insured has
join back the same cruise been hospitalized for more than 1 day or 24 consecutive hours
or such time mentioned as Deductible/ in Part I of the Policy
COVER 34: MEDICAL COVER ON A CRUISE Schedule.
If during the period of Insurance and while on a Trip aboard Section C - Medical cover on a cruise – Medical Evacuation
a cruise ship, You suffer an Accidental Injury or Sickness
resulting in Medical Expenses and requires medical attention, The Company shall indemnify the Insured for the Reasonable
the insured will be covered under and Customary Charges, incurred for an ambulance or any
other Emergency transportation and evacuation services,
Section A - Medical cover on a cruise - Hospitalization
including necessary medical care en-route, forming part of
expense
the treatment for any Illness contracted or Injury sustained
If an Insured Person contracts an Illness or suffers an injury whilst on cruise during the Period of Insurance provided that
due to an accident, that occurs whilst the Insured is on a cruise such costs are certified and authorized by the Assistance
during the Policy Period and which solely and directly requires Service Provider / Us / TPA / In-house claim processing team
the Insured Person to be Hospitalized, the Company shall of the Company. The transportation expenses shall be limited
indemnify the Insured for Reasonable and Customary Charges to transporting the Insured from the place of contracting/
incurred by the Insured for the Emergency Hospitalization or sustaining Illness/Injury to the nearest appropriate Hospital
Day care treatment and such medical treatment should be / Country of Residence (Applicable for Overseas Policy) as
undertaken on the written advice of a medical practitioner decided by the Assistance Service Provider / Us / TPA / In-
The overall liability of the Company, under this circumstance house claim processing team of the Company and the cost of
shall not exceed the amount, had the treatment been transportation to a special clinic, if this is medically necessary
undertaken at the place where the Injury/Illness was sustained and prescribed in writing as such by a physician.
or the maximum Sum Insured under this cover, whichever is The Company’s liability would not exceed the Sum Insured
less. amount mentioned against this cover in Part I of the Policy
Payment under this cover would be subject to the following: Schedule hereto.
i. The Hospitalization or Day Care Treatment is for Medically The deductible under this cover will be applicable, if any and
Necessary Treatment and is commenced and continued shall be of an amount as specified in the Part I of the Policy
on the written advice of the treating Medical Practitioner. Schedule.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

CLAIMS PROCEDURE APPLICABLE TO COVER – MEDICAL expenses incurred by the Third Party)
COVER ON A CRUISE b. Accidental loss of or property damage to third parties
Documents required in support of the claim: c. Accidental loss or damage to temporary holiday
1. Medical reports and discharge summary issued by the accommodation which is not owned by You arising on
Hospital furnishing the name of the Insured, period of account of an Accident occurring whilst on a Trip anytime
treatment and details of treatment rendered. during the Period of Insurance under the Policy for which
2. Original Bills and receipts and invoices for: claims shall be made on the Insured by the third parties.
i. 
Charges paid towards Hospital accommodation, The Company shall also indemnify the Insured towards the
nursing facilities and other medical services rendered; cost of defense incurred, with the consent of the Company.
The Company’s overall liability, including the cost of defense
ii. Fees paid to the Medical Practitioner, special nursing
for all claims during the Period of Insurance shall not exceed
charges, etc.;
the Sum Insured specified in Part I of the Policy Schedule
iii. 
Charges incurred towards any and all test and /
EXTENSIONS AVAILABLE UNDER THIS COVER- PERSONAL
or examinations rendered in connection with the
LIABILITY (subject to specific acceptance by the company and
treatment;
on incorporation in Part I of the Policy Schedule accordingly)
iv. 
Charges incurred towards medicines or drugs
purchased from a registered pharmacy other than EXTENSION 35.a: Court Attendance Cover
the Hospital duly supported by the prescriptions of If during the Period of Insurance and whilst the Insured is on
the Medical Practitioner attending to the Insured. a Journey, and he/she is required to attend court in connection
3. Police First Incidence Report (FIR), in case of any road with an event that has resulted in a valid claim under the
traffic accident or third-party involvement Personal Liability Cover, We will pay a fixed amount for
each day (for meal and travel expenses), the Covered Person
4. Post-mortem report, if applicable attends court, up to the maximum amount as shown in the
5. And any other document as may be appropriately Schedule against the cover ‘Personal Liability’.
applicable for the claims preferred under these sections of
TERMS AND CONDITIONS APPLICABLE TO COVER -
the Policy.
PERSONAL LIABILITY
6. For medical evacuation claims documents shall be
1. The Insured shall give a notice to the Company/ASP as
Medical reports and transportation details issued by the
soon as reasonably practicable of any claims made
evacuation agency, prescriptions and medical report by
against the Insured (or any specific event or circumstances
the attending Medical Practitioner furnishing the name of
that may give rise to a claim being made against the
the Insured and details of treatment rendered along with
Insured) that shall become the subject of indemnity under
the statement confirming the necessity of evacuation
this Cover and shall give all such additional information
along with the proof of expenses towards the same.
as the Company may require. Every claim, writ, summons
7. Claim documents to be submitted in support of claims or process and all documents relating to the claim/ event
under ‘Daily Allowance in case of Hospitalization shall be shall be forwarded to the Company immediately on
- Discharge summary, Claim form and Cancelled cheque receipt by the Insured.
(or any such document mentioning account details)
2. No acknowledgement, offer promise or payment shall be
EXTENSION 34 a.: CRUISE COVER - UNUSED EXCURSIONS made or given by or on behalf of the Insured without the
We will pay up to the Sum Insured amount for the cost of written consent of the Company/ASP.
non-refundable amount of pre-booked Excursions, which you 3. 
The Company will have the right but in no case the
were unable to use as a result of being hospitalized due to an obligation, to take over and conduct in the name of the
accident or illness which is covered under Cover 32: Medical Insured the defense of any claims and will have full
cover on a cruise discretion in the conduct of any proceedings and in the
CLAIMS PROCEDURE APPLICABLE TO COVER – CRUISE settlement of any claim and having taken over the defense
COVER AND EXTENSIONS THEREIN of any claim in relinquishing the same. All amounts
Documents requiredin support of the claim: expended by the Company in the defense, settlement
and/or payment of any claim, will correspondingly reduce
1. Same as the documents needed for applicable section of
the limits of indemnity specified in the Part I of the Policy
Cover –‘Hospitalization expenses for Illness and Injury’,
Schedule.
‘Daily Allowance in case of Hospitalization’ and ‘Medical
Evacuation’ 4. The Insured shall give all such information and assistance
as the Company may reasonably require.
2. Proof of purchase of Cruise based excursions and non –
refundable cancellation charges of the same. 5. The terms and exclusions of this Cover (and any phrase or
word contained therein) shall be interpreted in accordance
SECTION 6 : OTHER COVERS with the laws of India.
COVER 35 : PERSONAL LIABILITY EXCLUSIONS APPLICABLE TO COVER - PERSONAL
The Company shall indemnify the Insured, up to the Sum LIABILITY
Insured specified in Part I of the Policy Schedule, against legal In addition to the General Exclusions listed in this Policy, no
liability to a third party arising during the Period of Insurance payment shall be made by the Company in connection with
or within 60 days from the Date of Expiry of Insurance as the following:
specified in Part I of the Schedule as a result of:
1. Property belonging to the member of Your family or
a. Accidental Death or bodily Injury to any Third Party (Our employer or deemed by law to be of your employer/
liability in this case will be limited to reasonable medical employee

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

2. Liability to any person who is a member of Your family or liability taking place in any of the public places or the roads, he/
employer or deemed by law to be your employee she shall report the matter to the local police and the ASP/TPA/
3. Property belonging to You or in your care, custody or the Company immediately or as soon as practically possible.
control excluding temporary holiday accommodation Documents required in support of the claim:
4. Liability arising directly or indirectly from, in respect of, or 1. Statement of claim furnishing particulars of the event
due to Your wilful, malicious or unlawful acts leading to the liability
5. Liability arising directly or indirectly due to ownership and/ 2. Photocopy of the police report wherever reported
or usage of livestock (except domestic animals), firearms, 3. Proof of judicial decision rendered by a Court of law or any
motorized vehicles including aircraft and watercraft etc. other such Legal document
6. Liability arising directly or indirectly from , in respect of, 4. And any other document as may be appropriately
or due to undertaking or pursuit of any trade, business applicable for the claims preferred under this section of
or profession, including apprenticeship, voluntary work, the Policy
professional service rendered by the Insured, work
COVER 36 : CAR RENTAL COVER FOR DEDUCTIBLE
experience or consultancy with the policy holder
If during the Period of Insurance, the insured person hires a
7. Liability arising due to any criminal acts or legal costs
Rental Vehicle which is subsequently stolen, damaged or
resulting from any criminal proceedings
involved in a collision whilst in the care of the Insured, we will
8. Participation in any adventure sports as mentioned in reimburse the deductible up to the amount shown in Part I of
Annexure I like motor rallies, or car or motorcycle, boat or the Policy Schedule against the cover of ‘Car Rental cover For
aerial racing etc. Deductible’.
9. Any Deductible amount as mentioned against this Cover Deductible, for the purpose of this cover, means the deductible /
in Part I of the Policy Schedule excess / deposit amount and not any other amount, by whatever
10. Legal liability of the Insured in relation to any professional name called, under the rental vehicle hiring agreement to
services rendered by the Insured. the car rental company, if the rental vehicle is involved in an
11. Liability assumed by the Insured by an agreement / accident or is stolen during the rental period. As such, payment
contract which would not have attached in the absence of under this cover would be restricted only against the theft or
such agreement / contract except in case of a temporary any accidental damage to the rented vehicle made to the car
holiday accommodation/rental accommodation, which is rental company. However, the Deductible does not include the
not owned by You. Rental Vehicle Insurance amount as defined under Cover 37:
Car Rental Cover.
12. Liability arising from the use of any aircrafts, water crafts
and other vehicles. In addition if the Insured Person’s Rental Vehicle is involved
in a collision or is damaged rendering it un-driveable, We will
13. Any liability, which is the subject matter of specific
reimburse the Insured for towing fees not covered under the
insurance elsewhere.
rental vehicle agreement, or roadside assistance agreement
14. Liability arising through personnel engaged by the Insured up to a maximum amount as shown in Part I of the Policy
for either business / personal purposes of any kind. Schedule against the ‘Car rental cover’.
15. Liability resulting from transmission of an Illness or Please Note, this cover does not replace the need to take rental
disease by the Insured. car insurance or a damage waiver (CDW).
16. Liability arising out of all personal injuries such as libel, EXTENSIONS AVAILABLE UNDER COVER - CAR RENTAL
slander, false arrest, wrongful eviction, wrongful detention, COVER FOR DEDUCTIBLE (subject to payment of additional
defamation, etc.. premium, specific acceptance by the company and on
17. Liability arising out of any infringement of intellectual incorporation in the Part I of the Policy Schedule accordingly)
property rights such as copyright, patent, trademark, Extension 36 .a: Rental Vehicle Return
registered designs and trade secrets.
If during the period of Insurance during the trip:
18. Liability arising from the possession of animals, birds,
a. The rental vehicle in custody of the insured meets with
reptiles, insects, etc. and their byproducts like skin, hair,
accident, is damaged or is involved in a collision which
feathers, horns, fur, ivory, bones, eggs, etc.
directly results in a delay in returning the vehicle to the
19. Liability arising from insanity, the use of any alcohol/ rental company within the stipulated time as per the
drugs or drug addiction. rental vehicle hiring agreement.
20. Liability arising from any supply of goods or services on b. The rental company presses charges for delayed return
the part of the Insured.
We will indemnify the insured for the delay charges asked
21. Bodily injury to any person eligible to receive any covers by the rental company for such delayed return of the
voluntarily provided or required to be provided by an vehicle, upto the SI limit specified in Part I of the Policy
insured person under worker’s compensation law, non- Schedule.
occupational disablement law or occupational diseases
If mentioned specifically in Part I of the Policy Schedule,
law
in place of reimbursing the charges, we will provide a
22. Liability arising from the violation of operating/ safety flat benefit amount to the insured in the event any delay
guidelines published by the service provider contracted by charges are asked by the rental company.
you
The extension shall trigger only if a claim under the cover
CLAIMS PROCEDURE APPLICABLE TO COVER – PERSONAL ‘Car Rental Cover’ is triggered and is admissible and
LIABILITY payable by us.
The Insured shall, in the event of the contingency resulting in

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

COVER 37 : CAR RENTAL COVER subject to Hijack. Compensation shall be payable under this
If during the Period of Insurance, the insured person hires a Cover provided that the Hijack is for more than 6 hours or
Rental Vehicle which is subsequently stolen, damaged or for a period more than specified number of hours, mentioned
involved in a collision whilst in the care of the Insured, we will against the Cover as Deductible in Part I of the Policy Schedule.
reimburse the Insured for the Rental Vehicle Insurance up to Claim payout for one day shall be applicable also if hijack has
the amount shown in Part I of the Policy Schedule against the happened for more than 6 hours but less than 24 hours.
cover of ‘Car rental cover’. Company’s liability shall not exceed the maximum number
Rental Vehicle Insurance means the amount, the Insured is of days or the maximum SI specified in Part I of the Policy
legally liable to pay under the Rental Vehicle hiring agreement Schedule.
to the car rental company, if the Rental Vehicle is involved in an Should death of the Insured occur during the period for which
accident or is stolen during the rental period. As such, payment the Common Carrier/ Public Carrier with the passengers is held
under this cover would be restricted only against theft or any captive by the hijackers, such death of the Insured shall be
accidental damage to the rented vehicle made to the car rental considered as a valid claim under Cover – ‘Personal Accident’
company.. However, the Rental Vehicle Insurance does not under the provision applicable to the death of the insured in an
include the Deductible amount as defined under Cover 36: Car Accident. Such compensation for death shall be independent
Rental Cover for Deductible. of the Insured’s eligibility for claim under this Cover.
EXCLUSIONS APPLICABLE TO COVER – CAR RENTAL COVER EXCLUSIONS APPLICABLE TO COVER - HIJACK DISTRESS
FOR DEDUCTIBLE, CAR RENTAL COVER & EXTENSIONS COMPENSATION
THEREIN In addition to the General Exclusions listed in this Policy, no
In addition to the General Exclusions listed in this Policy, no payment shall be made by the Company in connection with
payment shall be made by the Company in connection with the following:
the following: 1. The Company shall not be liable for any claim under this
i. Any delay in return of the rental vehicle necessitated by Policy if the Insured shall be involved as either principal or
any reason other than an accident, collision or damage. accessory or is in any way involved in causing/planning
Delay due to traffic, personal contingencies, weather the Hijack.
conditions etc will not be covered. CLAIMS PROCEDURE APPLICABLE TO COVER - HIJACK
ii. Any claim in case you are operating the rental vehicle DISTRESS COMPENSATION
in violation of terms of rental agreement with the rental The statement of claim shall be accompanied by a certificate
vehicle service provider of Hijack from the Common Carrier/ Public Carrier, furnishing
iii. Any claim arising out of violation of law, rules or regulations details of travel by the Insured, the fact of his / her being held
of the country captive and confirmation of death, if death shall occur or we
may choose to confirm the facts regarding hijack from a third
iv. Any loss or damage arising from wear and tear, gradual
party source, at our own discretion.
deterioration, latent damage or defect
COVER 39 : FINANCIAL EMERGENCY CASH ALLOWANCE
v. Any claim arising out of insured being under influence of
alcohol or drug abuse. If the Insured has suffered a financial emergency following
incidents like theft/ robbery/ burglary of luggage/ money or
CLAIMS PROCEDURE APPLICABLE TO COVER – CAR
hold up as a consequence of which the Insured is left without
RENTAL COVER FOR DEDUCTIBLE, CAR RENTAL COVER &
any Travel Funds (Including and not limited to cash, travelers’
EXTENSIONS THEREIN
cheque, debit/credit card, forex card) whilst on an Insured Trip,
Refer to ‘Claims Procedure – General’ section the Company shall provide an amount upto the SI mentioned
Documents required in support of the claim: in Part I of the Policy Schedule or the amount of cash carried by
1. Police First Incidence Report (FIR), in case of any road You on the Trip, whichever is lower. The claim payment would
traffic accident or third-party involvement or theft be made on a pro-rated basis of the Sum Insured amount
proportionate on the original total trip duration vis-à-vis the
2. Rental agreement/declaration proving hire of vehicle from remaining number of travel days. In order for the Insured to
authorized auto rental company be covered under this cover, the incident leading to the loss of
3. Confirmation from rental company on charges pressed in money should be reported to local police within 24 hours of it
event of collision occurring and obtaining a First Information Report (FIR).
4. Photographs of the damage to the rental vehicle (and The Company’s liability under this Cover shall not be for more
images of the vehicle before the incident if available) than one incident of Financial Emergency during the whole
5. 
The accident report from the car rental company or Period of Insurance hereunder, irrespective of whether the
agency Policy is Single-trip Policy, Round-trip Policy or Multi-trip
Policy.
6. Invoices/Receipts/other documents confirming the amount
you have paid in respect of damage for which the car The Company shall not be liable for Financial Emergency
rental company or agency holds you responsible arising out of any actions on part of the Insured such as wager,
lottery, gambling, betting, etc.
COVER 38 : HIJACK DISTRESS COMPENSATION
Should it come to notice at a later date after payment of
The Company shall pay the Insured a fixed amount as
compensation by the Company to the Insured that the
mentioned in Part I of the Policy Schedule for every day spent
declaration of the Insured in connection with the Financial
by the Insured under hijack, in case the Common Carrier/
Emergency is false / unsubstantiated; the Company shall
Public Carrier in which the Insured is traveling as a fare
be entitled to recover the sum paid hereunder in addition to
paying passenger forming a part of the Insured Trip shall be
retaining its right of action against the Insured for damages.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

There is a provision to credit the eligible amount in case Company agrees, (Subject to the Conditions and Exclusions
of claim, in a pre-issued travel card or any such financial contained herein or endorsed or otherwise expressed hereon)
instrument provided during policy issuance. that if after payment of the premium the Property Insured
EXCLUSIONS APPLICABLE TO COVER – FINANCIAL described in the said Schedule or any part of such Property be
EMERGENCY CASH ALLOWANCE destroyed or damaged by any of the perils specified hereunder
during the period of trip, the Company shall pay to the Insured
In addition to the General Exclusions listed in this Policy, no
the value of the Property at the time of the happening of its
payment shall be made by the Company in connection with
destruction or the amount of such damage or at its option
the following:
reinstate or replace such property or any part thereof:
1. No claim shall be admitted under the Policy unless a
complaint is lodged with the police authorities and copy 1. Fire
of the first information report is furnished to the Company. Excluding destruction or damage caused to the property
2. No claim shall be payable under this Cover for need arising Insured by
anywhere in the Country of Residence of the Insured. a. Its own fermentation, natural heating or spontaneous
3. No claim shall be admitted under this Cover that is combustion.
reported to the Company or Assistance Service Provider b. Its undergoing any heating or drying process.
more than 48 hours after the incident of theft or burglary
of luggage/money. c. Burning of property Insured by order of any Public
Authority.
4. Any loss of Money that was not in the personal custody of
the Insured Person 2. Lightning
5. In event the Insured traces or recovers the lost Money which 3. Explosion/Implosion
is the subject matter of claim hereunder, either in part or Excluding loss, destruction of or damage
in full, any time before a settlement of claim is made by
the Company the state of the Financial Emergency shall a. To boilers (other than domestic boilers), economizers
be deemed to be extinct and no claim shall lie against the or other vessels, machinery or apparatus (in which
Company. Further in the event of the Company having steam is generated) or their contents resulting from
made settlement of the claim prior to such discovery of their own explosion/implosion
the lost Money the Insured shall repay to the Company the b. Caused by centrifugal forces.
total amount of settlement made by the Company.
4. Aircraft Damage
CLAIMS PROCEDURE APPLICABLE TO COVER – FINANCIAL
EMERGENCY CASH ALLOWANCE Loss, Destruction or damage caused by Aircraft, other
aerial or space devices and articles dropped therefrom
1. The Insured shall report to the Company/Assistance excluding those caused by pressure waves.
Service Provider immediately on the telephone number
indicated in the Policy Schedule after becoming aware 5. Riot, Strike and Malicious Damage
of the accidental loss of Money that triggers a Financial Loss of or visible physical damage or destruction by
Emergency. external violent means directly caused to the property
2. The Insured shall also report to the police authorities Insured but excluding those caused by
having jurisdiction at the place of loss, immediately and a. Total or partial cessation of work or the retardation or
in any case not exceeding 24 hours from the time the loss interruption or cessation of any process or operations
was detected and shall make available to the Company or omissions of any kind.
a copy of the first information report of the police,
immediately thereafter. b. 
Permanent or temporary dispossession resulting
from confiscation, commandeering, requisition or
3. Upon due confirmation at our end, the Company/ destruction by order of the Government or any
Assistance Service Provider shall organize financial aid lawfully constituted Authority.
to the Insured or his/her local contact as informed by the
insured c. 
Permanent or temporary dispossession of any
building or plant or unit of machinery resulting from
Documents requiredin support of the claim: the unlawful occupation by any person of such
a. Copy of report to the police authorities having jurisdiction building or plant or unit or machinery or prevention of
at the place of loss and nature of loss along with the access to the same.
details of loss d. Burglary, housebreaking, theft or any such attempt
b. Confirmation of amount of foreign currency being carried or any omission of any kind of any person (whether
by the insured such as recent exchange receipt of the or not such act is committed in the course of a
currency disturbance of public peace) in any malicious act.
c. And any other document as may be appropriately e. If the Company alleges that the loss/damage is not
applicable for the claims preferred under this section of caused by any malicious act, the burden of proving
the Policy the contrary shall be upon the Insured.
COVER 40 : FIRE AND ALLIED PERILS - HOME BUILDING Terrorism Damage Exclusion Warranty:
AND CONTENTS Notwithstanding any provision to the contrary within this
In consideration of the Insured having paid to the Company insurance it is agreed that this insurance excludes loss,
the full premium mentioned in the said Policy Schedule, the damage cost or expense of whatsoever nature directly or

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

indirectly caused by, resulting from or in connection with 12. Bush Fire
any act of terrorism regardless of any other cause or event Excluding loss destruction or damage caused by Forest
contributing concurrently or in any other sequence to the loss. Fire.
For the purpose of this endorsement an act of terrorism means PROVIDED that the liability of the Company shall in no
an act, including but not limited to the use of force or violence case exceed in respect of each item the Sum expressed
and / or the threat thereof, of any person or group(s) of persons in the said Schedule to be Insured thereon or in the whole
whether acting alone or on behalf of or in connection with the total Sum Insured hereby or such other Sum or sums
any organization(s) or government(s), committed for political, as may be substituted therefore by memorandum hereon
religious, ideological or similar purpose including the intention or attached hereto signed by or on behalf of the Company.
to influence any government and/or to put the public, or any
TERMS AND CONDITIONS APPLICABLE TO COVER - FIRE
section of the public in fear.
AND ALLIED PERILS - HOME BUILDING AND CONTENTS
The warranty also excludes loss, damage, cost or expenses of 1. This benefit shall be voidable in the event of mis-
whatsoever nature directly or indirectly caused by, resulting representation, mis-description or non-disclosure of any
from or in connection with any action taken in controlling, material particular.
preventing, suppressing or in any way relating to action taken
in respect of any act of terrorism. 2. All insurances under this policy shall cease on expiry of
seven days from the date of fall or displacement of any
If the Company alleges that by reason of this exclusion, any building or part thereof or of the whole or any part of
loss, damage, cost or expenses is not covered by this insurance any range of buildings or of any structure of which such
the burden of proving the contrary shall be upon the Insured. building forms part.
In the event any portion of this endorsement is found to be PROVIDED such a fall or displacement is not caused by
invalid or unenforceable, the remainder shall remain in full Insured perils, loss or damage by which is covered by
force and effect. this policy or would be covered if such building, range of
6. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, buildings or structure were Insured under this policy.
Flood and Inundation Notwithstanding the above, the Company subject to an
Loss, destruction or damage directly caused by Storm, express notice being given as soon as possible but not
Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood later than seven days of any such fall or displacement
or Inundation excluding those resulting from earthquake, may agree to continue the insurance subject to revised
Volcanic eruption or other convulsions of nature. rates, terms and conditions as may be decided by it and
confirmed in writing to this effect.
7. Impact Damage
3. Under any of the following circumstances the insurance
Loss of or visible physical damage or destruction caused ceases to attach as regards the property affected
to the property Insured due to impact by any Rail/ Road unless the Insured, before the occurrence of any loss or
vehicle or animal by direct contact not belonging to or damage, obtains the sanction of the Company signified
owned by by endorsement upon the policy by or on behalf of the
a. The Insured or any occupier of the premises or Company:-
b. Their employees while acting in the course of their a. If the trade or manufacture carried on be altered, or if
employment the nature of the occupation of or other circumstances
affecting the building Insured or containing the
8. Subsidence and Landslide including Rock slide Insured property be changed in such a way as to
Loss, destruction or damage directly caused by Subsidence increase the risk of loss or damage by Insured Perils.
of part of the site on which the property stands or Land b. If the interest in the property passes from the Insured
slide/ Rock slide excluding: otherwise than by will or operation of law.
a. The normal cracking, settlement or bedding down of 4. 
This insurance does not cover any loss or damage to
new structures property which, at the time of the happening of such loss
b. The settlement or movement of made up ground or damage, is Insured by or would, but for the existence
c. Coastal or river erosion of this policy, be Insured by any marine policy or policies
except in respect of any excess beyond the amount which
d. Defective design or workmanship or use of defective
would have been payable under the marine policy or
materials
policies had this insurance not been effected.
e. 
Demolition, construction, structural alterations or
5. (i) On the happening of any loss or damage the Insured
repair of any property of ground works or excavations.
shall forthwith give notice thereof to the Company
9. Bursting and/or overflowing of Water Tanks, Apparatus and shall within 15 days after the loss or damage,
and Pipes or such further time as the Company may in writing
10. Missile Testing operations allow in that behalf, deliver to the Company
11. Leakage from Automatic Sprinkler Installations a. A claim in writing for the loss or damage containing
Excluding loss, destruction or damage caused by as particular an account as may be reasonably
practicable of all the several articles or items or
a. Repairs or alterations to the buildings or premises. property damaged or destroyed, and of the amount
b. 
Repairs, Removal or Extension of the Sprinkler of the loss or damage thereto respectively, having
Installation. regard to their value at the time of the loss or damage
c. Defects in construction known to the Insured. not including profit of any kind.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

b. Particulars of all other insurances, if any more than the Sum Insured by the Company thereon. If
The Insured shall also at all times at his own expense the Company so elect to reinstate or replace any property
produce, procure and give to the Company all such the Insured shall at his own expense furnish the Company
further particulars, plans, specification books, with such plans, specifications, measurements, quantities
invoices, duplicates or copies thereof, documents, and such other particulars as the Company may require,
investigation reports (internal/external), proofs and and no acts done, or caused to be done, by the Company
information with respect to the claim and the origin with a view to reinstate or replace shall be deemed an
and cause of the loss and the circumstances under election by the Company to reinstate or replace.
which the loss or damage occurred, and any matter If in any case the Company shall be unable to reinstate
touching the liability or the amount of the liability of or repair the property hereby Insured, because of any
the Company as may be reasonably required by or on municipal or other regulations in force affecting the
behalf of the Company together with a declaration on alignment of streets or the construction of buildings or
oath or in other legal form of the truth of the claim and otherwise, the Company shall, in every such case, only be
of any matters connected therewith. liable to pay such Sum as would be requisite to reinstate
No claim under this policy shall be payable unless the or repair such property if the same could lawfully be
terms of this condition have been complied with reinstated to its former condition.
6. On the happening of loss or damage to any of the property 9. If the property hereby Insured shall at the breaking out
Insured by this policy, the Company may of any fire or at the commencement of any destruction
of or damage to the property by any other peril hereby
a. Enter and take and keep possession of the building or
Insured against be collectively of greater value than the
premises where the loss or damage has happened.
Sum Insured thereon, then the Insured shall be considered
b. Take possession of or require to be delivered to it as being his own insurer for the difference and shall bear
any property of the Insured in the building or on the a rateable proportion of the loss accordingly. Every item, if
premises at the time of the loss or damage. more than one, of the policy shall be separately subject to
c. Keep possession of any such property and examine, this condition.
sort, arrange, remove or otherwise deal with the 10. If at the time of any loss or damage happening to any
same. property hereby Insured there be any other subsisting
d. Sell any such property or dispose of the same for insurance or insurances, whether effected by the Insured
account of whom it may concern. or by any other person or persons covering the same
The powers conferred by this condition shall be exercisable property, this Company shall not be liable to pay or
by the Company at any time until notice in writing is given contribute more than its rateable proportion of such loss
by the Insured that he makes no claim under the policy, or or damage.
if any claim is made, until such claim is finally determined 11. The Insured shall at the expense of the Company do and
or withdrawn, and the Company shall not by any act concur in doing, and permit to be done, all such acts and
done in the exercise or purported exercise of its powers things as may be necessary or reasonably required by
hereunder, incur any liability to the Insured or diminish its the Company for the purpose of enforcing any rights and
rights to rely upon any of the conditions of this policy in remedies or of obtaining relief or indemnity from other
answer to any claim. parties to which the Company shall be or would become
If the Insured or any person on his behalf shall not comply entitled or subrogated, upon its paying for or making
with the requirements of the Company or shall hinder good any loss or damage under this policy, whether such
or obstruct the Company, in the exercise of its powers acts and things shall be or become necessary or required
hereunder, all benefits under this policy shall be forfeited. before or after his indemnification by the Company.

The Insured shall not in any case be entitled to abandon 12. If any dispute or difference shall arise as to the quantum
any property to the Company whether taken possession to be paid under this Cover(liability being otherwise
of by the Company or not. admitted) such difference shall independently of all other
questions be referred to the decision of a sole arbitrator to
7. If the claim be in any respect fraudulent, or if any false be appointed in writing by the parties to or if they cannot
declaration be made or used in support thereof or if any agree upon a single arbitrator within 30 days of any party
fraudulent means or devices are used by the Insured or invoking arbitration, the same shall be referred to a panel
any one acting on his behalf to obtain any benefit under of three arbitrators, comprising of two arbitrators, one
the policy or if the loss or damage be occasioned by to be appointed by each of the parties to the dispute/
the willful act, or with the connivance of the Insured, all difference and the third arbitrator to be appointed by such
benefits under this policy shall be forfeited. two arbitrators and arbitration shall be conducted under
8. If the Company at its option, reinstate or replace the and in accordance with the provisions of the Arbitration
property damaged or destroyed, or any part thereof, and Conciliation Act, 1996.
instead of paying the amount of the loss or damage, or It is clearly agreed and understood that no difference or
join with any other Company or Insurer(s) in so doing, dispute shall be referable to arbitration as hereinbefore
the Company shall not be bound to reinstate exactly provided, if the Company has disputed or not accepted
or completely but only as circumstances permit and in liability under or in respect of this Cover.
reasonably sufficient manner, and in no case shall the
Company be bound to expend more in reinstatement than It is hereby expressly stipulated and declared that it shall
it would have cost to reinstate such property as it was be a condition precedent to any right of action or suit upon
at the time of the occurrence of such loss or damage nor this policy that the award by such arbitrator/ arbitrators of
the amount of the loss or damage shall be first obtained.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

13. Every notice and other communication to the Company 5. Loss, destruction or damage to bullion or unset precious
required by these conditions must be written or printed. stones, any curios or works of art for an amount exceeding
14. At all times during the period of insurance of this policy Rs. 10000/-, manuscripts, plans, drawings, securities,
the insurance cover will be maintained to the full extent obligations or documents of any kind, stamps, coins
of the respective Sum Insured in consideration of which or paper Money, cheques, books of accounts or other
upon the settlement of any loss under this policy, pro-rata business books, computer systems records, explosives
premium for the unexpired period from the date of such unless otherwise expressly stated in the policy.
loss to the expiry of period of insurance for the amount of 6. Loss, destruction or damage to the stocks in Cold Storage
such loss shall be payable by the Insured to the Company. premises caused by change of temperature.
The additional premium referred above shall be deducted 7. Loss, destruction or damage to any electrical machine,
from the net claim amount payable under the policy. apparatus, fixture, or fitting arising from or occasioned by
This continuous cover to the full extent will be available over-running, excessive pressure, short circuiting, arcing,
notwithstanding any previous loss for which the Company self-heating or leakage of electricity from whatever cause
may have paid hereunder and irrespective of the fact (lightning included) provided that this exclusion shall
whether the additional premium as mentioned above has apply only to the particular electrical machine, apparatus,
been actually paid or not following such loss. The intention fixture or fitting so affected and not to other machines,
of this condition is to ensure continuity of the cover to apparatus, fixtures or fittings which may be destroyed or
the Insured subject only to the right of the Company for damaged by fire so set up.
deduction from the claim amount, when settled, of pro-
8. Expenses necessarily incurred on
rata premium to be calculated from the date of loss till
expiry of the policy. a. Architects, Surveyors and Consulting Engineer’s Fees
and
Notwithstanding what is stated above, the Sum Insured
shall stand reduced by the amount of loss in case the b. 
Debris Removal by the Insured following a loss,
Insured immediately on occurrence of the loss exercises destruction or damage to the Property Insured by
his option not to reinstate the Sum Insured as above an Insured peril in excess of 3% and 1% of the claim
EXCLUSIONS APPLICABLE TO COVER - FIRE AND ALLIED amount respectively.
PERILS - HOME BUILDING AND CONTENTS 9. Loss of earnings, loss by delay, loss of market or other
In addition to the General Exclusions listed in this Policy, no consequential or indirect loss or damage of any kind or
payment shall be made by the Company in connection with description whatsoever.
the following: 10. Loss or damage by spoilage resulting from the retardation
1. This Policy does not cover (not applicable to policies or interruption or cessation of any process or operation
covering dwellings) caused by operation of any of the perils covered.
a. The first 5% of each and every claim subject to 11. Loss by theft during or after the occurrence of any Insured
a minimum of Rs. 10,000 in respect of each and peril except as provided under Riot, Strike, Malicious and
every loss arising out of “Act of God perils” such as Terrorism Damage cover.
Lightning, STFI, Subsidence, Landslide and Rock slide 12. Any Loss or damage occasioned by or through or in
covered under the policy consequence directly or indirectly due to volcanic eruption
b. The first Rs. 10,000 for each and every loss arising or other convulsions of nature.
out of other perils in respect of which the Insured is 13. Loss or damage to property Insured if removed to any
indemnified by this policy building or place other than in which it is herein stated to
c. The Excess shall apply per event per Insured. be Insured, except machinery and equipment temporarily
2. Loss, destruction or damage caused by war, invasion, act removed for repairs, cleaning, renovation or other similar
of foreign enemy hostilities or war like operations (whether purposes for a period not exceeding 60 days.
war be declared or not), civil war, mutiny, civil commotion CLAIMS PROCEDURE APPLICABLE TO COVER - FIRE AND
assuming the proportions of or amounting to a popular ALLIED PERILS - HOME BUILDING AND CONTENTS
rising, military rising, rebellion, revolution, insurrection or In the event of a contingency covered under this section,
military or usurped power. occurring during the period of insurance, resulting in loss
3. Loss, destruction or damage directly or indirectly caused or damage to the property covered hereunder, the Insured
to the property Insured by shall report to the Company/Assistance Service Provider and
a. Ionizing radiations or contamination by radioactivity furnish the claims form duly completed in all particulars. The
from any nuclear fuel or from any nuclear waste from Insured shall render all his / her corporation and assistance
the combustion of nuclear fuel to the surveyor appointed by the Company for assessment of
loss.
b. The radioactive, toxic, explosive or other hazardous
properties of any explosive nuclear assembly or The Insured shall also report to the police having jurisdiction
nuclear component thereof over the place of loss and shall secure a detailed first
4. 
Loss, destruction or damage caused to the Insured information report duly signed by the policy authority and
property by pollution or contamination excluding forward the same to the Company immediately thereafter.
The Insured shall not do anything as regards to the affected
a. Pollution or contamination which itself results from a property that shall result in aggravation of loss and he shall be
peril hereby Insured against. wholly guided by the surveyor with regards to preserving the
b. Any peril hereby Insured against which itself results affected property.
from pollution or contamination

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Documents required in support of the claim: bullion, deeds, bonds, bills of exchange, promissory notes,
1. First Information Report stock or share certificates, business books, manuscripts,
documents of any kind, ATM debit or credit cards (unless
2. Panchnama previously specifically declared to, and accepted by, the
3. Investigation Report by the Police Company);
4. Fire Brigade Report 3. The loss or damage occurring while Insured’s premises
is unoccupied, for a consecutive period of more than 30
5. Estimate and final bills of repairers days, and if the Insured had not previously informed the
6. Invoices of owned articles, if required by the Company Company of the same and obtained its written consent/
7. Legal opinion wherever required. approval.

8. And any other document as may be appropriately 4. Loss or damage to any property illegally acquired, kept,
applicable for the claims preferred under this section of stored, or property subject to forfeiture in any manner
the Policy. whatsoever;

COVER 41 : BURGLARY - HOME CONTENTS 5. Theft without actual forcible and violent entry and/or exit
from the premises.
The Company hereby agrees, subject to the terms, conditions
and exclusions herein contained or otherwise expressed herein, 6. Loss or damage directly or indirectly, proximately or
and subject to the maximum liability of the Company to pay to remotely occasioned by or which arises out of or in
the Insured, at actuals, for any loss or damage sustained by connection with riot and strike, civil commotion, terrorist
the Insured during the period of trip due to activities.

i. Burglary of Contents of the Property insured and/ or CLAIMS PROCEDURE APPLICBALE TO COVER – BURGLARY
- HOME CONTENTS
ii. Attempted burglary of the Contents of the property
insured Upon occurrence of the event covered under this Cover, the
Insured shall report to the Company/Assistance Service
 rovided that the total liability of the Company for such
P Provider and furnish the claims form duly completed in all
loss or damage shall not exceed the Sum Insured as stated particulars. The Insured shall render all cooperation and
in the Policy Schedule for item (i) above and INR 15,000/- in assistance to the surveyor appointed by the Company for
any one year irrespective of the number of such incidents or assessment of loss.
occurrences in item (ii) above.
The Insured shall also report to the police having jurisdiction
The Company’s liability under this Cover shall be limited as over the place of loss and shall secure a detailed first
follows: information report duly signed by the policy authority and
1. In case of damage due to attempted Burglary shall forward the same to the Company/Assistance Service Provider
be limited to the amount actually payable for repair or immediately thereafter.
replacement of locks, damage to door, or windows, if any. The Insured shall not do anything as regards to the affected
2. 
For settlement of claims under this Cover, the market property / premises that shall result in aggravation of loss
value of the jewelry, gold ornaments, silver articles and and shall be wholly guided by the surveyor with regards to
precious stones kept in the premises of the Insured shall preserving the affected property/ premises.
be considered. Maximum value of jewelry, silver articles, Documents required in support of the claim:
precious stones covered will be 25% of total Sum Insured
as specified in Part I of Policy Schedule. 1. The statement of claim furnishing the details of items lost
and the values thereof duly supported by purchase bills/
3. The Company’s liability for any claim for loss or damage Invoices wherever available. In the event of the purchase
shall be limited to the inherent value of the metal or bills not being available, he / she shall render such
precious stones only, as the case may be, and will exclude evidence as may be required by the surveyor for the latter
any additional value added thereon/attributable thereto to arrive at the value of the lost items.
due to the labour cost, transportation expenses, etc.
2. First Information Report / Investigation Report by the
4. The Company’s liability shall be subject to a Deductible as Police / Panchanama
specified in Part I of the Schedule to the Policy, for any and
all claims arising in a particular year. 3. Estimate and final bills of repairers;

The Company’s liability under this Cover shall not exceed the 4. And any other document as may be appropriately
Sum Insured as specified in Part I of the Schedule to the Policy. applicable for the claims preferred under this Cover of the
Policy.
EXCLUSIONS APPLICABLE TO COVER - BURGLARY - HOME
CONTENTS COVER 42 : PET CARE AND VETERINARY HOSPITALIZATION

In addition to the General Exclusions listed in this Policy, no SECTION A - Pet Care and Veterinary Hospitalization -
payment shall be made by the Company in connection with While Pet not travel with Insured
the following: Under this cover we will pay for expenses incurred towards
1. Loss or damage caused by direct or indirect involvement medical care and treatment, if while you were on a trip abroad,
of the Insured and/or Insured’s domestic staff in the actual your pet had to be hospitalized in a veterinary hospital for a
or attempted Burglary; minimum period of 12 Hours for an injury , whilst your pet was
under the care of a friend, relative, family member or any other
2. Any loss or damage to, or on account of loss of livestock, care-giver specifically assigned to take care of your pet while
motor vehicles, pedal cycles, Money, securities, stamp, you are away.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

SECTION B – Pet Care and Veterinary Hospitalization - TERMS & CONDITIONS APPLICABLE TO COVER - OUT OF
While Pet travel with Insured POCKET EXPENSES FOR PET CARE DUE TO TRIP DELAY
If the Insured Person is travelling with his/her pet during the a. For the purpose of payment under this cover, delay will
Travel Period We will provide the following: mean the time difference between the scheduled & actual
a. Reimbursement of the expenses incurred on the medical arrival time of the common carrier in which you will be
treatment of the Insured Person’s pet if the pet suffers an traveling to your city of residence.
Injury due to an Accident during the Travel Period. b. Pay out under this cover will be in addition to any amount
This Cover will be payable provided that: paid under cover, ‘Common carrier/public carrier delay’.
a.  We will reimburse only those expenses that are EXCLUSIONS APPLICABLE TO COVER - OUT OF POCKET
Reasonable and Customary Charges; EXPENSES FOR PET CARE DUE TO TRIP DELAY
b.  The Insured Person’s pet has been validly transported
In addition to the General Exclusions listed in this Policy, no
and accommodated in accordance with the rules of the
payment shall be made by the Company in connection with
Common Carrier/ Public Carrier, hotel or other provider of
the following:
accommodation;
c.  The Insured Person’s pet is maintained by the a. Cover for an endangered, wild or any other animal which
Insured Person exclusively for company, protection or you cannot lawfully keep as your pet.
entertainment, and not for the purposes of commerce or b. 
Cover for any delay that you could have foreseen or
research; avoided.
d. We will reimburse only those expenses that are in excess c. Any delayed departure caused by strike or industrial
of the Deductible; action known to exist or was anticipated at the time the
e. We shall not be liable to make any payment in respect of trip was booked.
expenses incurred on the treatment of any Illness or which d. Any consequential losses.
relate to any Pre-Existing Disease.
CLAIMS PROCEDURE APPLICABLE TO COVER - OUT OF
EXCLUSIONS APPLICABLE TO COVER - PET CARE AND
POCKET EXPENSES FOR PET CARE DUE TO TRIP DELAY
VETERINARY HOSPITALIZATION:
In addition to the General Exclusions listed in this Policy, no On occurrence of an event that may give rise to a claim, the
payment shall be made by the Company in connection with notice of the same is to be given to the Insurer/Assistance
the following: Service Provider (ASP)/TPA.
a. Cover for an illness or injury which was either pre-existing Documents required in support of the claim:
or the onset of which was before you left for the trip. 1. Original bills and receipts towards reasonable additional
b. Cover for an endangered, wild or any other animal which expenses incurred by your pert during the period of delay.
you cannot lawfully keep as your pet. 2. Letter from the airline clearly stating the period of delay
c. Any facts or matters of which the Insured Person was along with compensation offered.
aware or should have been aware which could have
3. Any other documents that may be required while
resulted in injury to the pet;
processing the claim.
CLAIMS PROCEDURE APPLICABLE TO COVER - PET CARE
AND VETERINARY HOSPITALIZATION: COVER 44 : TRAVEL LOAN SECURE - SI IN INR
On occurrence of an event that may give rise to a claim, the This Section provides indemnity to the Insured Person in case
notice of the same is to be given to the Insurer/Assistance the Insured Person has borrowed, for the purpose of this Trip,
Service Provider (ASP)/TPA. from an NBFC/Bank or any other entity authorized by relevant
Documents required in support of the claim: authorities in India. Indemnity will be provided for the following
perils: Personal Accident Death, Permanent Total Disablement
1. Medical record, prescription from the veterinary doctor,
and permanent partial disability of the Insured Person within
discharge summary and other details of hospitalization,
180 days from the date of such bodily injury and such bodily
including period of treatment, details of treatment and
injury is the sole and direct cause of his death or permanent
final diagnosis.
total disablement Proceeds will be paid to the lending entity
2. Invoices (itemized) and money receipts in original for the provided that the Insured Person has assigned benefits under
amount claimed. this section of the policy in favor of the entity
3. A declaration from the person, who was taking care of
Indemnity is provided to the extent of principal outstanding
your pet during your trip abroad, detailing the event.
amount at the time of loss or Sum Insured as specified under
4. Any other documents as required while processing the this section in the Policy certificate whichever is lower. The
claim. Insurer’s liability to make payment is only in excess of the
5. Proof that the pet was travelling along with the Insured on Deductible as specified in policy certificate.
the Insured Trip
TERMS & CONDITIONS APPLICABLE TO COVER – TRAVEL
COVER 43 : OUT OF POCKET EXPENSES FOR PET CARE LOAN SECURE - SI IN INR
DUE TO TRIP DELAY
This section does not cover the loan taken from any individual
Under this cover we will pay for expenses incurred towards
/ firm / non-financial institution (including his/her own firm /
food and care-giving to your pet, while you were on a trip
company) other than Commercial Bank /licensed financial
abroad and when the return to your city of residence is delayed
institutions.
beyond the minimum deductible hours (as mentioned in your
certificate of insurance against this cover) over your scheduled
return time.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

EXCLUSIONS APPLICABLE TO COVER - TRAVEL LOAN or Illness contracted at any place being part of the Trip
SECURE - SI IN INR during the period of insurance covered hereunder and such
In addition to the General Exclusions listed in this Policy, no Hospitalization shall in the written opinion of the Medical
payment shall be made by the Company in connection with Practitioner attending on the Insured extend beyond a period
the following: of 5 continuous days or such period as specified in Part I of the
Policy Schedule, the Company shall reimburse the cost of the
No claim under this section would be paid if the death is due economy class air ticket incurred for:
to or caused by
a. The actual to and fro cost for the economy class Common
1. Directly or indirectly caused by contributed to related to or Carrier/ Public Carrier ticket using the most direct route for
aggravated or prolonged by childbirth or pregnancy or in an immediate family member/ relative/ friend to escort the
consequence thereof, unattended minor children back to their city of residence
2. 
Due to participation in winter sports, skydiving, b. Actual cost of economy class Common Carrier/ Public
parachuting, hang gliding, bungee jumping, scuba diving, Carrier tickets sending the unattended Minor Child(ren)
mountain climbing, riding or driving in races or rallies back to the city of Residence or Place of Origin of the
using a motorized vehicle or bicycle, caving or pot holing, Insured using the most direct route less actual refund of the
hunting or equestrian activities, skiing, diving or other scheduled return ticket of the minor children, provided the
underwater activity, rafting or canoeing involving white Insured covered under the policy was the only companion
water rapids, yachting or boating outside coastal waters of the minor children
( 2 miles), participation in any Professional Sports, any
bodily contact sport or any other hazardous or potentially Minor Child(ren) for the purpose of this cover shall mean
dangerous sports. any child of the Insured Person, below the age of 18 years.
CLAIMS PROCEDURE APPLICABLE TO COVER - TRAVEL In case the Insured does not opt for the above option of
LOAN SECURE - SI IN INR transporting his/her children back to the city of residence
and if an attendant is necessary to ensure the safety and
On occurrence of an event that may give rise to a claim, the welfare of Minor Child(ren) at the place of Hospitalization,
notice of the same is to be given to the Insurer/Assistance the Company shall reimburse for the cost of travel tickets,
Service Provider (ASP)/TPA. by the most direct route through economy class, of the
Documents required in support of the claim: attendant from and to his/her City of Residence provided
1. Discharge summary. that the requirement of an attendant along with the cost
of travel tickets of the attendant. The Company shall not
2. Death certificate mentioning the cause of death (in case be liable to pay for either the attendant’s or the children’s
of death) accommodation.
3. Original treating doctor certificate describing disablement The Company’s liability under this Cover, however, in
Disability Certificate issued by Civil Surgeon or equivalent respect of any one event or all events of Hospitalization
as during the Period of Insurances shall be restricted only
4. Authorized by State Government, medical reports, case to two Minor Child(ren) and shall be subject to the Sum
histories, investigation reports, treatment papers as Insured as specified in the Part I of the Policy Schedule.
applicable. TERMS & CONDITIONS APPLICABLE TO COVER - ESCORT
5. Original photograph of the injured reflecting the OF MINOR CHILDREN
disablement. 1. The Company shall not be liable for any payment under
6. Loan statement details from the bank with EMI paid this cover if the Hospitalization occurs for a period of less
statement. than 5 continuous days or such period as mentioned in
7. Copy of cancel cheque in name of insured or nominee as Part I of the Policy Schedule, prior to the Completion of
the case may be. Trip
COVER 45 : LANGUAGE INTERPRETER CLAIMS PROCEDURE APPLICABLE TO COVER – ESCORT OF
MINOR CHILDREN:
This would cover you for expenses incurred to hire an
interpreter to facilitate communication between you and the In the event of occurrence of an event that may give rise to a
treating doctor, when you are hospitalized while on a trip claim, he / she / his representative shall render the particulars of
and there is no common language that you could speak to insurance cover as also the details of the Company/Assistance
communicate with the treating doctor. Please note that we will Service Provider to the Hospital while simultaneously reporting
only pay under this cover when we have already paid a claim the claim to the Company/Assistance Service Provider as
under cover, ‘Emergency Hospitalization Expenses for Injury provided in the Claims Procedure - General.
& Illness’. Documents requiredin support of the claim:
CLAIMS PROCEDURE APPLICABLE TO COVER – LANGUAGE Duly completed claims form to be supported by:
INTERPRETER
1. A certificate from the Medical Practitioner specifying the
On occurrence of an event that may give rise to a claim, the cause and minimum period of Hospitalization
notice of the same is to be given to the Insurer/Assistance
Service Provider (ASP)/TPA. 2. 
Discharge summary of the Hospital furnishing details
- date of admission, date of discharge and the written
COVER 46 : ESCORT OF MINOR CHILDREN confirmation by the attending Medical Practitioner of
In the unfortunate event of the death of the Insured whilst presence of the attendant member of the family or near
abroad during the Period of Insurance or the Insured being relative on all days of Hospitalization
Hospitalized consequent upon any Injury sustained and /

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

3. 
Copy of ticket(s) or boarding pass used for the travel expenses incurred in respect of the Insured Person’s up-
by the Minor Child(ren) back to the City of Residence or gradation to a business class air ticket by the most direct route
Place of Origin, if the ticket(s) are bought on behalf of the from the place of hospitalization of the Insured Person to the
Insured without any interference of the Company Country of Residence, provided that :
4. Photocopy of the death certificate (wherever applicable) (i) The claim is admissible under Hospitalization Expenses
providing the details of the place, date and time, and for Illness and Injury
the circumstances and cause of the death (photocopy (ii) The treating Medical Practitioner certifies that the
of the post mortem certificate, wherever required by the Insured Person is required to be hospitalized for at least 5
Company/Assistance Service Provider, for cases where consecutive days; and
post mortem is conducted), issued by the appropriate
(iii) If the Insured Person’s air ticket can be up-graded from
authority where the contingency has arisen
economy class to business class, the Company’s maximum
And any other document as may be appropriately liability under this benefit shall be limited to the difference
applicable for the claims preferred under this section of in cost between the economy class air ticket and business
the Policy class air ticket; and
COVER 47: HOLE IN ONE (iv) If the Insured Person’s economy class air ticket cannot be
If the Insured completes a hole in one in an organized event at up-graded, then the Company’s maximum liability under
any 18-hole golf course anywhere in the World, except India this benefit shall be limited to the cost of cancellation and
during a trip, we shall pay a fixed amount as specified in Part the difference between the reasonable cost of the new
1 of the Policy Schedule to cover the cost of celebratory drinks business class ticket and the refund amount received on
on the day of accomplishment. The Insured must provide us the economy class ticket cancelled.
with written confirmation from the golf club professional that CLAIMS PROCEDURE APPLICABLE TO COVER –
the hole in one is achieved and payment receipts for the cost UPGRADATION TO BUSINESS CLASS
of celebratory drinks on the date of accomplishment at the golf
Documents required support of the claim:
club.
1. A certificate from the Medical Practitioner specifying the
CLAIMS PROCEDURE APPLICABLE TO COVER – HOLE IN
minimum period of Hospitalization.
ONE
2. 
Discharge summary of the Hospital furnishing details
Documents to be submitted in support of the claim:
including the data of admission and date of discharge.
a. Confirmation from the Golf course/club stating that the
3. 
Copy of the economy class air ticket issued by the
Insured has completed Golfer’s Hole in One at their Golf
Common carrier indicating the cost of the ticket and
course/club
receipt for the refund of the fare of the Common Carrier
b. Bills / receipts / invoice of the celebratory drinks on the day and the cancellation charges retained.
of accomplishment
4. Boarding pass and copy of business class ticket confirming
COVER 48: REIMBURSEMENT OF GREEN FEES the return journey and the cost of ticket.
The Company will reimburse the Insured for Green fees to COVER 50: QUARANTINE COVER
any one of the lnsured’s golf club should the Insured suffer
We will pay You the accommodation costs up to the Sum
any accident or illness resulting in Emergency Hospitalization,
Insured as mentioned in the Part I of the Policy Schedule in
whilst on a trip during the period of insurance causing the
the event where Insured is diagnosed with and are required to
Insured to remain unable to play golf, we shall pay to the
Quarantine Yourself during the Policy Period whilst on Insured
Insured the official cancellation charges/ non – refundable
Journey, due to the same Illness which has been
amount of fees upon cancellation.
Declared as a pandemic by the appropriate government
The deductible under this cover shall be applicable, if any
authority or the World Health Organization
and shall be of an amount as specified in Part I of the Policy
Schedule. TERMS AND CONDITIONS PRECEDENT SPECIFIC TO
QUARANTINE COVER:
CLAIMS PROCEDURE APPLICABLE TO COVER –
REIMBURSEMENT OF SUBSCRIPTIONS AND PRE-PAID a. 
For the purpose of this Policy, such Quarantine, on
FEES/GREEN FEES the advice of a Medical Practitioner or appropriate
Government authorities, should be done either at the
Documents requiredin support of the claim: place of accommodation which the Insured Person had
1. Confirmation from the Golf course/club stating that the booked before the commencement of the Trip or any
Insured remain unable to play golf accommodation
2. Bills / receipts / invoice of the Green fees. specifically declared as a Quarantine facility or in a
government authorized Quarantine center.
3. Medical reports and discharge summary issued by the
Hospital furnishing the name of the insured, period of b. In case of Quarantine in any other location other than
treatment. the locations mentioned in a) above, Our liability shall be
restricted to % of the Sum Insured mentioned in the Policy
4. And any other document as may be appropriately Schedule.
applicable for the claims preferred under these sections of
Exclusions applicable to this Section:
the Policy.
In addition to the Specific Exclusions listed in this Policy, this
COVER 49 : UPGRADATION TO BUSINESS CLASS Section shall not cover: -
The company will reimburse, up to the amount specified a. Any loss arising in India.
against this Benefit in the Policy Schedule, the reasonable

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

CLAIMS PROCEDURE APPLICABLE TO COVER – whatsoever incurred by the Insured in connection with or in
QUARANTINE COVER: respect of all non-bailable offences as per the local Law of
Documents requiredin support of the claim: the country in which the incident has taken place or occurred
whilst the Insured’s trip abroad or on account of any exclusion
1. Proof that this Illness has been declared as a pandemic mentioned in the ‘General Exclusions’ section of this Policy.
as at a Phase 4 or higher level by the World Health
Organization; CLAIMS PROCEDURE APPLICABLE TO COVER – BAIL BOND

2. 
Proof that the Insured Person was required to be The company will pay or arrange to pay through the Third
quarantined with doctor’s prescription; and Party Administrator/Assistance Service Provider to the court
directly on behalf of the insured, the bail amount this cover
3. 
Copy of diagnostic reports/pathological/ radiological would be for bailable offences only.
reports of the Insured Person
Documents required in support of the claim:
COVER 51: BAIL BOND
1. The Court/Legal order stipulating the required amount as
If the Insured is arrested or detained by the police/judicial bail bond.
authorities, and if the offence for which he is arrested or
detained is bailable, then the amount upto the maximum COVER 52: KIDNAP DISTRESS ALLOWANCE
specified Sum Insured against this cover in Part I of the Policy If during the Period of Insurance, the Insured person is
Schedule, will be provided to the appropriate authority/court Kidnapped, We will pay the Policyholder /Nominee a fixed
as the bail amount towards the arrest or detention, subject to amount as specified in Part I of the Policy Schedule against
the terms and conditions and the exclusions below. this Cover for every continuous 24 hour period that the insured
The deductible in respect of this cover will be applicable for is held hostage.
each separate claim, and shall be of an amount as specified in Our maximum liability in the event of this claim will be limited
Part I of the Policy Schedule. to the SI mentioned in Part I of the Policy Schedule.
TERMS AND CONDITIONS APPLICABLE TO COVER - BAIL As a condition precedent to Our liability, We must:
BOND a. Have sufficient proof that the event has actually occurred
1. The Company will pay or arrange to pay the bail amount b. Be given immediate oral and written notice of the event
through the Third Party Administrator or the Assistance and periodic updates of any activity occurring during the
Service Provider (ASP) to the court directly on behalf of incident
the Insured. This cover would be for bailable offences only.
c. if it is in Your best interests, notify the national or other
2. The Insured shall appear in the court on the date specified appropriate law enforcement agency having jurisdiction
by the court for trial and judgment. over the matter.
3. 
If the bail bond is forfeited due to the misconduct or EXCLUSIONS APPLICABLE TO COVER – KIDNAP DISTRESS
negligence or any wrongful act of the Insured or otherwise ALLOWANCE
by breach of the terms of such bail bond, the Insured
would be required to repay the bail bond to the Company In addition to the General Exclusions listed in this Policy, no
within 1 month after the bail bond is forfeited and if the payment shall be made by the Company in connection with
Company so deems necessary (whether on expiry of such the following:
1 month or otherwise), the Insured will be liable to repay 1. Your fraudulent, dishonest or criminal acts
the bail amount together with the interest rate of 18% p.a. 2. Events which take place in Your country of residence, any
accruing from the date of payment by the Company to country located in Central or Southern America or Africa,
the court until receipt thereof from the Insured, and the or any country in which United Nations armed forces are
costs and expenses reasonably incurred by the Company present and active
in such behalf.
3. Actual loss of or damage to property of any description,
4. The amount will be refunded to the Company or the Third including intellectual property as a result of the Kidnap
Party Administrator or the Assistance Service Provider and Hostage.
(ASP) by the court with which it was deposited as soon as
the court releases the bail amount with which the deposit CLAIMS PROCEDURE APPLICABLE TO COVER – KIDNAP
was made. In no case the amount will be paid out to the DISTRESS ALLOWANCE
Insured. Documents required in support of the claim:
5. The judgment shall have no bearing on the refund of the i. Proof of kidnap along with police FIR
deposit to the Company or the Third Party Administrator. If ii. Confirmation of duration for which the insured is
the court imposes any penalty or fine on the Insured at the kidnapped
time of interim order or final judgment, then in that case the
Insured will not be at the liberty to get the fine deducted PART II: DOMESTIC TRAVEL INSURANCE
or adjusted from the bail amount which was deposited by MULTI TRIP DOMESTIC TRAVEL
the Company or the Third Party Administrator.
The Company shall provide coverage for domestic trips within
EXCLUSIONS APPLICABLE TO COVER - BAIL BOND India undertaken via common carrier/public carrier for policy
In addition to the General Exclusions listed in this Policy, no duration as defined in Policy Schedule.
payment shall be made by the Company in connection with a: Personal Accident Cover
the following:

The Company shall compensate the Insured as per table
The Company shall not be liable to make any payment under of benefits (Section 2 under Cover 7) hereunder in case
this cover in connection with or in respect of any expenses the Insured meets with death or incur total or partial

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

permanent disability arising out of and consequent upon 3. Physician, surgeon, anesthetist fees;
an Injury sustained in an Accident encountered at any 4. 
Cost of medicines provided by the Hospital /
time whilst on a Trip during the Period of Insurance by via purchased from a registered pharmacy other than
a common carrier such as Flight, Train, Bus and Cabs the Hospital as prescribed in writing by the Medical
The Company’s maximum liability in respect of any one Practitioner attending on the Insured.
Accident or all Accidents during the Period of Insurance Claims Procedure Applicable To Hospitalization Expenses
shall not exceed the Sum Insured specified in the Policy
Schedule. Documents required in support of the claim:
Exclusions Applicable to Personal Accident cover 1.  edical reports and discharge summary issued by the
M
Hospital furnishing the name of the Insured, period of
In addition to the General Exclusions listed in this Policy, no
treatment and details of treatment rendered.
payment shall be made by the Company in connection with
the following: 2. Original Bills and receipts and invoices for:
1. Compensation under more than one disablement event as i. 
Charges paid towards Hospital accommodation,
specified above in Table-1 under Section 2 of Cover 7 , in nursing facilities and other medical services rendered;
respect of any one Accident / series of Accidents arising ii. Fees paid to the Medical Practitioner, special nursing
out of one event, if the overall liability of the Company charges, etc.;
exceeds the Sum Insured mentioned against this cover in
the Part I of the Policy Schedule iii. 
Charges incurred towards any and all test and /
or examinations rendered in connection with the
2. Amounts related to medical expenses; treatment;
3. Compensation in case the Insured encounters an Accident iv. 
Charges incurred towards medicines or drugs
in a territory outside the geographical scope of the policy. purchased from a registered pharmacy other than
4. Payment of compensation in respect of death or disability: the Hospital duly supported by the prescriptions of
a. arising from intentional self-Injury / suicide / attempted the Medical Practitioner attending to the Insured.
suicide; 3. Police First Incidence Report (FIR), in case of any road
b. arising from or resulting directly or indirectly from any traffic accident or third-party involvement
Illness; 4. Post-mortem report, if applicable
c. whilst the Insured is under the influence of intoxicating c: OPD Expenses
liquor / drugs;

If an Insured Person contracts suffers an injury due to an
Claims Procedure Applicable To Personal Accident accident, that occurs whilst the Insured is on a trip during
Documents required in support of the claim: the Policy Period via common carrier such as Flight, Train,
i. Medical reports giving the details of the Accident, nature Bus and Cabs, the Company shall indemnify the Insured for
of Injury and the extent of disability. the Reasonable and Customary Charges incurred by the
ii. In case of death of the Insured death certificate issued by insured in availing Outpatient treatment, not exceeding
the Medical Practitioner who attended on the Insured. the Sum Insured mentioned against this extension in Part
I of the Schedule hereto.
iii. Postmortem certificate, wherever postmortem is
conducted, to be produced if required by the Assistance However, the Deductible/Co-pay amount mentioned
Service Provider/Us. under this extension as mentioned in Part I of the Policy
Schedule shall be applicable
iv. Police report/FIR/Panchnama.
Claims Procedure Applicable To OPD Expenses
v. Medical Practitioner’s certificate in case of Injury (in case
of Permanent Partial Disablement/ Permanent Total Documents required in support of the claim:
Disablement) stating the reasons and the extent of the 1. Medical reports and discharge summary issued by the
Injury/Disablement. Hospital furnishing the name of the Insured, period of
vi. And any other document as may be appropriately treatment and details of treatment rendered.
applicable for the claims preferred under this section of 2. Original Bills and receipts and invoices for:
the policy.
i. 
Charges paid towards Hospital accommodation,
b: Accidental Hospitalization Expenses nursing facilities and other medical services rendered;

The Company shall compensate the insured reimbursement ii. Fees paid to the Medical Practitioner, special nursing
of expenses incurred in case of hospitalization due to an charges, etc.;
accidental Injury during the policy period via common
carrier such as Flight, Train, Bus and Cabs. The Company’s iii. 
Charges incurred towards any and all test and /
maximum liability in respect of this cover during the Period or examinations rendered in connection with the
of Insurance shall not exceed the Sum Insured specified in treatment;
the Policy Schedule. iv. 
Charges incurred towards medicines or drugs
The Company shall reimburse the following inpatient purchased from a registered pharmacy other than
medical expenses for Insured: the Hospital duly supported by the prescriptions of
the Medical Practitioner attending to the Insured.
1. Accommodation, boarding and nursing expenses;
2. 
Diagnostic, test and / or examination charges, d: Loss of Baggage & Personal effects
ambulance charges 
The Company shall reimburse you on actuals on
declaration of the customer upto the SI limit specified in

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

the Part I of the Policy Schedule for the loss sustained to coverage caused by Theft or burglary whilst on a Trip
your baggage and personal effects due to theft, burglary, during the Policy Period via common carrier such as Flight,
theft, robbery, hold-up or any similar event including Train, Bus and Cabs
natural disaster(s) & Terrorism whilst on a Trip during the Exclusions Applicable To Cover - Burglary (Home Contents)
Policy Period via common carrier such as Train, Bus and
In addition to the General Exclusions listed in this Policy, no
Cabs, where such loss is due to circumstances beyond
payment shall be made by the Company in connection with
Your control.
the following:
Terms And Conditions Applicable To Cover - Loss Of 1. Loss or damage caused by direct or indirect involvement
Baggage And Personal Effects of the Insured and/or Insured’s domestic staff in the actual
1. The insured must take all reasonable precautions for the or attempted Burglary;
safety and supervision of their Baggage and Personal 2. Any loss or damage to, or on account of loss of livestock,
effects. motor vehicles, pedal cycles, Money, securities, stamp,
2. The insured must report any Loss, theft, damage or bullion, deeds, bonds, bills of exchange, promissory notes,
deprivation of Baggage, to the local police and the stock or share certificates, business books, manuscripts,
common carrier or hotel authorities within 24 hours of the documents of any kind, ATM debit or credit cards (unless
occurrence of the event, so a written report is available at previously specifically declared to, and accepted by, the
the time of making any claim. No claim shall be admitted Company);
under the Policy unless a complaint is lodged with the 3. The loss or damage occurring while Insured’s premises
police authorities and copy of the first information report is unoccupied, for a consecutive period of more than 30
is furnished to the Company. days, and if the Insured had not previously informed the
3. Should the lost Baggage and /or personal property be Company of the same and obtained its written consent/
found or traced and delivered to the Insured, the Insured approval.
shall return to the Company the entire amount paid 4. Loss or damage to any property illegally acquired, kept,
hereunder. stored, or property subject to forfeiture in any manner
Exclusion under Loss of Baggage and Personal Effects: whatsoever;
5. Loss or damage directly or indirectly, proximately or
1. Any Deductible amount as mentioned against this cover
remotely occasioned by or which arises out of or in
in the Policy Schedule
connection with riot and strike, civil commotion, terrorist
2. Loss of Baggage and Personal Effects other than owned activities.
and / or belonging to and / or in lawful custody of the Documents required in support of the claim:
Insured at the time when the Insured commenced the Trip
covered hereunder; 1. The statement of claim furnishing the details of items lost
and the values thereof duly supported by purchase bills/
3. Any loss due to theft or burglary or mugging or robbery Invoices wherever available. In the event of the purchase
or hold-up not reported to the police authorities within bills not being available, he / she shall render such
24 hours of the occurrence of the incident and a written evidence as may be required by the surveyor for the latter
police report being obtained in that regard. to arrive at the value of the lost items.
4. Any loss due to confiscation by customs or any other 2. First Information Report / Investigation Report by the
lawful authority where the Policyholder’s and/or insured’s Police / Panchanama
use and/or possession of such item(s) is unlawful; 3. Estimate and final bills of repairers;
5. Loss/damage caused by: And any other document as may be appropriately applicable
i. activity of moth, vermin or rodents, wear and tear, for the claims preferred under this Cover of the Policy.
atmospheric or climate conditions or gradual f: Missed Connecting Flight
deterioration;  The Company shall reimburse for official cancellation
ii. 
any process of cleaning, restoring, repairing or charges and additional cost incurred to proceed with your
alteration; planned trip in case you fail to access a connecting flight
iii. Scratching or breaking of fragile or brittle articles, if due to a delayed arrival of the previous flight.
as a result of negligence of the Policyholder and/ Exclusions Applicable To Cover - Missed Connecting Flight
or the insured. In addition to the General Exclusions listed in this Policy, no
Documents required in support of the claim: payment shall be made by the Company in connection with
Duly completed claims form to be supported by: the following:
1. Copies of the letter addressed to the police authorities 1. If the time gap between the scheduled arrival of the
with their acknowledgment/FIR; previous flight and the scheduled departure of the next
flight (Missed Flight) shall be less than 3 hours or as
2. And any other document as may be appropriately specified under deductible in Part I of the Policy Schedule.
applicable for the claims preferred under this section of
the Policy. 2.  Towards expenses incurred by the Insured for any
temporary stay.
e: Theft / Burglary of Home contents
3. If the missing of the flight is the result of:

We will reimburse up to the Sum Insured shown in your
a. Any deviation from the originally scheduled route
Policy Schedule for the actual loss/and or damage to
done at the instance of the Insured for reasons
the Contents of Your residence located at the address
whatsoever;
mentioned in the Policy Schedule within the period of

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

b. Any advance intimation given to the Insured of a Documents required in support of the claim:
possible delay of the flight that might lead to missing 1. In case of cancellation of the Trip of the Insured or any
of connecting flights. other intermediate place forming part of the Trip by the
c. Any circumstances other than those directly Common Carrier solely resulting from contingencies
attributable to the delay of the earlier flight beyond namely Earthquake, Storm, Flood, inundation, cyclone,
the control of the Insured. tempest & Terrorism, duly completed claims form to be
4. 
If the insured does not exhibit reasonable degree of accompanied by:
caution and concern to avoid missing of the connecting a. Confirmation of cancellation of the Trip from the
transport Common Carrier detailing the circumstances of
Claims Procedure Applicable To Cover - Missed Connecting cancellation;
Flight b. Original used air ticket indicating the cost the ticket
Documents required in support of the claim: and receipt for the refund of the fare of the Common
Carrier towards the cancelled portion of the Trip the
1. The confirmation of the flight operator of the delayed cancellation charges retained;
flight as to the expected time of arrival and the actual time
of arrival at the port of delay together with the reasons 2. In case the cancellation of the Trip shall result because
for delay. of personal contingencies covered hereunder or a
decision taken at the instance of the Insured arising
2. Unused ticket for the Missed Flight along with a out of the contingencies namely Earthquake, Storm,
confirmation of cancellation / no-show of the same. Flood, inundation, cyclone, tempest & Terrorism, the duly
3. Confirmation from the operator of the Missed Flight that completed claims form to be accompanied by:
the fare for the part of the Trip covered by the Missed a. Medical evidence as may be required in case of
Flight is forfeited in full or in part together with the amount the cancellation of the Trip arising out of personal
of forfeiture, in case of indemnity cover. contingencies of the Insured or his/ her Immediate
4. Original used ticket, boarding pass obtained afresh Family;
towards the alternative flight for the part of the Trip b. Receipt for the refund of the fare of the Common
covered by the Missed Flight indicating the amount paid Carrier towards the cancelled portion of the Trip
as fare. indicating the cancellation charges retained;
5. And any other document as may be appropriately h: Loss of Checked in Baggage
applicable for the claims preferred under this section of
the Policy The Company shall indemnify the insured, the amount as
specified against this cover in Part I of the Policy Schedule
g: Trip Cancellation and Interruption as a fixed allowance in case the Insured shall encounter
The Company shall indemnify the Insured for the financial loss permanently loss of checked in baggage whilst under
incurred on cancellation and interruption of Flight trip arising the custody of common carrier(Flight) vis-a-vis baggage
out of: that were checked-in. The cover shall be applicable
• Earthquake. individually and independently in case of Trip involving
multi destinations en-route.
• Storm, Flood, inundation, cyclone, tempest.
Exclusions Applicable To Cover – Loss of checked in Baggage
• Terrorism.
In addition to the General Exclusions listed in this Policy, the
• provided that, the named perils herein above shall take Company shall not be liable for any loss in connection with the
place at and in the vicinity of any port involved in the following:
Insured’s Trip; and
1. Any loss or damage of Contents including valuables and
• Personal contingencies like death or imminent death, or personal money (cash) of the Checked-In Baggage
emergency Hospitalization treatment of minimum three
days duration necessitated to the Insured or Insured’s 2. Losses arising from any delay, detention, confiscation
Immediate Family Member due to an unforeseen Illness by customs officials or other public authorities unless in
or Injury. situations of any social/political instability beyond
the control of the insured
Subject to the maximum liability of the Company as stated in
Part I of Schedule, the Company shall pay to the Insured: 3. Loss of the Checked-In Baggage sent in advance or
souvenirs and articles mailed or shipped separately
• Official cancellation charges including those of travel, if
any. Claims Procedure Applicable To Cover - Loss Of Checked-In
Baggage
In an Event Where The Insured Has Not Got Delivery Of One
Exclusions Applicable To Cover – Trip Cancellation and Or More Checked-In Baggage attached to the ticket/boarding
Interruption pass of the Insured, the Insured shall hold back the ticket/
1. Cancellation of the Trip either wholly or in part done at the boarding pass and report to the Common Carrier/ Public
instance of the Common Carrier or by the Travel Agent. Carrier of the non-delivery (or short delivery) of one or more
2. Cancellations of the Trip either wholly or in part done at the Checked-In Baggage while simultaneously reporting to the
instance of the air transport authority or the government. Insurer as provided in the ‘Claims Procedure – General’.
3. Any circumstances other than those, that are directly Documents required in support of the claim
attributable to the perils as stated above. 1. Property irregularity report issued by the common carrier/

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Public Carrier (or confirmation of Baggage loss from an any consequential loss directly or indirectly caused by or
independent agency approved by the Insurer). contributed to or arising from:
2. And any other document as may be appropriately a. Ionizing radiation or contamination by radioactivity
applicable for the claims preferred under this section of from any nuclear fuel or from any nuclear waste from
the Policy. the combustion of nuclear fuel or
In case the undelivered Checked-In Baggage is subsequently b. The radioactive, toxic, explosive or other hazardous
traced by the Common Carrier/ Public Carrier and offered properties of any explosive nuclear assembly or
for delivery to the Insured, the Insured shall take delivery of nuclear component thereof.
the Checked-In Baggage and refund the amount paid by the 10. Any claim arising out of sporting activities in so far as
Company hereunder. In case of delivery of part of the Checked- they involve the training or participation in competitions of
In Baggage, the amount paid by the Company attributable to professional or semi-professional sports persons, unless
such Checked-In Baggage shall be refunded by the Insured to declared beforehand and agreed by the Company subject
the Company. to additional premium being paid and incorporated
GENERAL EXCLUSIONS (APPLICABLE TO ALL COVERS accordingly in the Policy.
UNDER THE POLICY): 11. In case of an International/Overseas policy, if the Insured
The Company shall not liable for any compensation or benefit hereunder is traveling under an immigrant visa, claims
for/in event: in relation to contingencies occurring after the expiry
1. Any claim relating to events occurring before the of 90 days from the date of commencement of cover
commencement of the Trip covered hereunder and any notwithstanding the fact that the Period of Insurance
time after the completion of the Trip. exceeds 90 days.
2. A claim which is fraudulent in any respect, or if any false 12. Payment of compensation in respect of Illness/ Injury
declaration has been made or used in support thereof or if arising or resulting from the Insured committing any
any fraudulent means or devices are used by the Insured breach of law with a criminal intent
or any one acting on his behalf to obtain any benefit under 13. Any claim not meeting the deductible amount or time
the Policy or if the loss or damage is occasioned by the excess mentioned against the cover in Part I of the Policy
willful act, or with the connivance of the Insured. Schedule
3. In so far as it relates to the covers the Insured: GENERAL CONDITIONS (APPLICABLE TO ALL COVERS
a. Is traveling against the advice of a Medical UNDER THIS POLICY):
Practitioner; 1. The Policy in so far as it relates to a single Trip or round trip,
b. Is receiving, or is on a waiting list to receive, specified shall be initially issued for a maximum period as stated in
medical treatment declared in a Medical Practitioner’s Policy Schedule. Extension of the Policy shall, if required,
report or certificate; be granted at the sole discretion of the Company, provided
that the period of extension shall in no case exceed 182
c. 
Has received terminal prognosis for a medical days and shall be dependent on the plan available with
condition; the channel partner. Further, no extension of the Policy
d. Travelling for the purpose of obtaining treatment beyond the initial period shall be considered in respect of
e. Is taking part in a naval, military or air force operation; those covers under which claims shall have been reported
4. Any claim arising from any intentional self-Injury, suicide by the Insured during the initial Period of Insurance.
or attempted suicide, intoxication by liquor or drugs. Rendering of the format for the extension of cover duly
completed and submission of complete particulars of
5. Any claim arising out of participation in Hazardous/ claims if any reported by the Insured or pending report
Adventure Sports activities are excluded from the policy. by the Insured for contingencies occurring during the
This exclusion will apply to the following sections: initial Period of Insurance shall be a condition precedent
HOSPITALIZATION EXPENSES FOR ILLNESS AND INJURY, to consideration by the Company of the extension of
PERSONAL ACCIDENT, however, this exclusion can be insurance beyond the initial period.
waived upon realization of additional premium and will
be indicated in the Policy Certificate. 2. 
Premium charged at the time of extension will be the
difference between the extended Trip Duration and initial
6. Of Involvement or participation of Insured directly or Trip Duration
indirectly in murder, or criminal assault or the like;
3. The insurance under the Policy shall not attach to any
7. Any claim arising out of anxiety, stress, , venereal disease Trip that shall have commenced prior to the date of
and/or any mutant derivative or variations thereof commencement of Insurance under the Policy unless there
howsoever caused. is continuous coverage in case of a multi-trip policy
8. Claim under any of the mentioned covers that are results 4. Cancellation of the Policy – The insured may cancel the
of war and warlike occurrence or invasion, acts of foreign policy at any time during the term, by giving 7 days notice
enemies, hostilities, civil war, rebellion, insurrection, civil in writing. The Insurer shall
commotion assuming the proportions of or amounting to
an uprising, military or usurped power, active participation a. refund proportionate premium for unexpired policy
in riots, confiscation or nationalization or requisition of period, if the term of policy upto one year and there is
or destruction of or damage to property by or under the no claim (s) made during the policy period.
order of any government or local authority; b. refund premium for the unexpired policy period, in
9. Any claim arising from damage to any property or any respect of policies with term more than 1 year and risk
loss or expense whatsoever resulting or arising from or coverage for such policy years has not commenced.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

The Company may cancel the Policy at any time on a. Claim Form – completed and signed by the Insured or
grounds of mis-representation, non-disclosure of material electronically filled, as per Company’s discretion.
facts, established fraud by the Insured Person, by giving 15 b. 
Copy of passport, visa with entry and exit stamp
days’ written notice. There would be no refund of premium (Only international travel)
on cancellation on grounds of mis-representation, non-
disclosure of material facts or established fraud c. PAN Card and Aadhar Card Copy
Notwithstanding anything contained herein or otherwise, d. Cover letter from the insured stating the exact reason
no refunds of premium shall be made in respect of and other pertinent details pertaining to loss.
Cancellation where, any claim has been admitted or e. 
For all International trips, Boarding Pass, tickets, Copy
has been lodged or any benefit has been availed by the of Passport, visa with entry and exit stamp shall be a
Insured person under the Policy. mandatory claim document.
Disclosure to information norm: The policy shall be void f. In the event of a contingency resulting in occurrence
and all premium paid hereon shall be forfeited to the of an event that may give rise to a claim, the Insured
company, in the event of misrepresentation, or established or his / her representatives shall immediately report
fraud or non-disclosure of any material fact by the insured the same to the Assistance Service Provider (In case
5. Deductible shown against the respective items of cover of Overseas Policy) / TPA / In-house claim settlement
in the schedule of the Policy shall be applied separately team and submit the claims form furnishing the
for each and every claim preferred under the respective complete details of the Insured to the Assistance
covers. Service Provider/Us along with the account details
and the documents required for the respective cover.
6. The Insured shall as if uninsured shall take all steps as
are necessary to avoid occurrence of any contingency 2. On facing a contingency which shall result in a claim under
covered hereunder and to avert and / or minimize a loss any of the covers under this Policy, immediate notice
otherwise payable under the Policy. thereof shall be given by the Insured to the Company/
Assistance Service Provider appointed by the Company,
7. 
Policy is applicable for one way travel also, including the details of which are furnished hereunder and after
immigration travel with the condition that the maximum furnishing to them the identity as required by them shall
duration of coverage will be 120 days. get the claim registered. Failure to send such immediate
8. Extension under the policy shall only be possible 30 days notice may prejudice the Insured’s claim under the Policy.
prior to the expiry of the policy period. No expenses however beyond a limit of US$ 1000 shall
9. ln the likelihood of this product being withdrawn in future, be incurred by the Insured without prior approval from the
the Company will intimate the insured person about the Company. This condition shall be applicable even in cases
same 90 days prior to expiry of the policy. where the Insured would like to pursue his claim only on
his return to his place of residence in spite of his meeting
10. Renewal of the policy with the contingency covered herein whilst abroad.
Renewal is only possible in case of Multi trip policies Contact ICICI Lombard 24hr Help Line number for
a. Multi Trip Max assistance and registering your claim:

Renewal is subject to expiring terms and In USA & Canada (Toll Free) +1 844 871 1200
conditions Rest of The World (Call Back Facility) +91 124 449 8778
b. Multi Trip Total National Toll Free Number 1800 102 5721
1. Renewal is subject to expiring terms and Fax Number +91 124 4006674
conditions
Email Address icicilombard@[Link]
2. 
Renewals will be also eligible for carry
forward of total number of travel days left  R Login to the e-claim link as provided by the Company
O
from the expiring policy. details of which will be mentioned in the policy document
or updated on the Website
We shall ordinarily renew the policy except on
grounds of established fraud, or , misrepresentation 3. 
For Reimbursement Claims: Documents of claim
or non-disclosure by the Insured. Every renewal appropriate for each contingency and the consequent
premium (which shall be paid and accepted in respect loss as listed in the respective Covers of this Policy shall
of this Policy) shall be so paid and accepted upon be forwarded to the Assistance Service Provider/The
the distinct understanding that no alteration has Company as soon as the Insured returns to the Country of
taken place in the facts contained in the proposal or Residence in case of International/Overseas policy and as
declaration herein before mentioned and that nothing soon as practically possible in case of a domestic policy of
is known to You that may result to enhance Our risk the Insured (unless otherwise required by the Company or
under the guarantee hereby given. Any change in the the Assistance Service Provider) for faster processing of
risk will be intimated by You to Us. The Policy may the claim. Each and every claim preferred under the policy
be renewed by mutual consent and in such event the irrespective of the Benefits of cover which they relate
renewal premium shall be paid to Us on or before the to shall be accompanied by original used ticket or the
date of expiry of the Policy and in no case later than boarding pass in original or a photocopy of the passport
Grace Period of 30 days from the expiry of the Policy. indicating the travel dates, in relation to all the travels
being part of the Trip.
CLAIMS SECTION - CLAIMS PROCEDURE – GENERAL
4. While simultaneously lodging a claim under the relevant
1. Common claim documents asked for: Cover under this policy the Insured shall also take all steps

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

to recover the loss from whosoever has been responsible particular, upon request, proof shall be furnished of
for such loss caused to the Insured. The Insured shall then the actual commencement date of the Trip abroad.
pursue his / her claim with the Company for the amount c. If requested to do so by the Assistance Service
in excess of what has been recovered thereon. If the claim Provider/the Company, the Insured shall be obliged
shall in advance of any such recovery have been settled to undergo a medical examination by a Medical
under this Policy, the Insured shall undertake to repay to Practitioner designated by the Assistance Service
the credit of the Company the surplus of any amount that Provider/the Company. The cost of such medical
he / she recovered jointly under Policy as also from other examinations and/or tests will be borne by the
sources. The appropriate documents in connection with Company
such steps taken by the Insured vis-à-vis the agencies
d. The Assistance Service Provider/the Company is
responsible for the loss as more vividly described under
authorized to take all measures that are suitable
the respective Covers shall be submitted to the Company
for loss prevention and claim minimization, which
as an when available.
includes the Insured’s transportation back to the
5. If at any time during the period of the Policy, or anytime Country of Residence of the Insured.
thereafter the Insured shall commit any established fraud
11. Transfer and Set-off of Claims:
or it is established that any the Insured has resorted to
fraudulent means to recover any claim under this Policy, a. 
If the Insured has any outstanding claims against
Insured’s right for all benefits under this Policy shall be third parties, such claims shall be transferred in
forfeited. writing to the Company up to the amount for which
the reimbursement of costs is made by the Company
6. It is a condition under this Policy that the Insured shall
in accordance with the terms hereunder.
declare in detail the schedule of his / her travels to one
or more destinations until he / she returns to the Country b. In so far as an Insured receives compensation for
of Residence of the Insured in completion of his/ her Trip costs he/she has incurred either from third parties
hereunder. Failure of his / her part to declare so shall liable for damages or as a result of other legal
prejudice his / her right of claim under different Covers of circumstances, the Company shall be entitled to set
the Policy. off this compensation against the insurance claims
payable, if any.
7. Except in case of Student Travel Insurance and unless
otherwise specified, settlement of all claims under different c. 
Claims to the insurance covers may be neither
Covers of the Policy hereunder in so far as it relates to pledged nor transferred by the Insured.
non-immigrant visa cases involving a reimbursement of 12. The International/Overseas insurance cover applies to all
an admissible claim to the Insured shall be made only countries that come under the Geographical Scope stated
in the Country of Residence of the Insured in the local in the Policy Schedule, except the country, where the
currency. In case of policies relating to immigrant visa Insured has a permanent place of residence.
cases, settlement of claims shall, if required by the Insured 13. In the event of the Insured’s death, the Company or the
be made in currency of the country where the insured Company’s representatives shall have the right to carry
contingency shall have taken place resulting in financial out a post mortem/autopsy, at the Company’s expense.
loss to the Insured.
Settlement/Rejection of Claim –For Cashless Settlement
8. All settlements under this Policy wherever done in the
currency of Country of Residence of the Insured shall be In order to avail of cashless treatment, the following procedure
based on the exchange rate of the currency of Country of must be followed by You:
Residence of the Insured as on the date of loss incurred by You must request pre-authorisation through our Assistance
the Insured. Service Provider in case of an emergency situation, within 24
9. Claim Documentation: hours of Hospitalisation.
Any other document(s) that the Company requires from We will consider Your request after having obtained accurate
the Insured to process the claim,to prove the authenticity and complete information for the Illness or Injury for which
of the loss and to assess the loss, may be asked for. The cashless Hospitalisation facility is sought by You and We will
Company shall be liable to pay the claim to the extent confirm Your request in writing.
which can be assessed on the basis of the documents For Reimbursement Settlement
[Link] the Assistance Service Provider or the The settlement of reimbursement claims would be done by Us
Company request that bills/invoices/receipts in a foreign within 15 days from after the receipt of claim along with claim
language be accompanied by an appropriate translation form and documents, as per policy terms and [Link]
then the costs of such translation must be borne by the role of the TPA (if any) would be limited to facilitate the flow of
Insured. information between You and Us.
10. Obligations of the Insured: PART III OF THE POLICY SCHEDULE
a. Claims for insurance covers must be submitted to the STANDARD TERMS AND CONDITIONS
Assistance Service Provider/Company not later than 1. Incontestability and Duty of Disclosure:
one (1) month after the completion of the treatment
or transportation home, or in the event of death, after The Policy shall be null and void and no amount/claim
transportation of the mortal remains/ burial. shall be payable in the event of untrue or incorrect
statements, misrepresentation, or established fraud or
b. The Insured shall provide the Assistance Service
on non-disclosure in any material fact in the proposal
Provider/Company on demand any information that is
form, personal statement, declaration and connected
required to determine the occurrence of the insurable
documents, or any material information having been
event or the Company’s liability to pay the claims. In

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

withheld, or a claim being established as fraudulent or it with ‘Claim Procedure’ Clause as provided in Part II of
is established that any fraudulent means or devices being the Schedule.
used by the Insured or any one acting on his behalf to b. Allow the Surveyor or any agent of the Company
obtain any benefit under this Policy. to inspect the lost/damaged properties premises /
2. Reasonable Care goods or any other material items, as per ‘the Right to
The Insured shall take all reasonable steps to safeguard Inspect’ Clause as provided in this Part.
the interests of the Insured against loss or damage that c. Assist and not hinder or prevent the Company or
may give rise to a claim. any of its agents in pursuance of their duties for
3. Observance of terms and conditions ascertaining the admissibility of the Claim under the
Policy.
The due observance and fulfillment of the terms, conditions
and endorsement of this Policy in so far as they relate to d. Not abandon the Insured property/item premises, nor
anything to be done or complied with by the Insured, shall take any steps to rectify/remedy the damage before
be a condition precedent to any liability of the Company to the same has been approved by the Company or any
make any payment under this Policy. of its agents or the Surveyor.
4. Material change If the Insured does not comply with the provisions of
this Clause or other obligations cast upon the Insured
The Insured shall immediately notify the Company by under this Policy, in terms of the other clauses referred to
fax and in writing of any material change in the risk in herein or in terms of the other clauses in any of the Policy
relation to the declarations made in the proposal form documents, all benefits under the Policy shall be forfeited,
during the policy period or at the time of renewal and the at the option of the Company.
Company may adjust the scope of cover and / or premium
if necessary, accordingly. 10. Rights of the Company on acceptance of claim
5. Records to be maintained On the happening of loss or damage, or circumstances
that have given rise to a claim under the applicable covers
The Insured shall keep an accurate record containing of this Policy, the Company may:
all relevant particulars and shall allow the Company
to inspect such records. The Insured shall exercise all a. Enter and/or take possession of the Insured property,
necessary co-operation in obtaining the medical records where the loss or damage has happened
from the Hospital, and furnish them, as the Company may b. Take possession of or require to be delivered to it
require in relation to the Claim, within reasonable time any property of the Insured in the building or on the
limit and within the time limit specified in the Policy. premises at the time of the loss or damage
6. No constructive Notice c. Keep possession of any such property and examine,
Any knowledge or information of any circumstances or sort, arrange, remove or otherwise deal with the
condition in connection with the Insured in possession same; and,
of any official of the Company shall not be the notice to d. 
Sell any such property or dispose of the same
or be held to bind or prejudicially affect the Company for account of whom it may concern. The powers
notwithstanding subsequent acceptance of any premium. conferred by this condition shall be exercisable by the
7. Notice of charge etc. Company at any time until notice in writing is given by
the Insured that he makes no claim under the Policy,
The Company shall not be bound to take notice or or if any claim is made, until such claim is finally
be affected by any notice of any trust, charge, lien, determined or withdrawn. The Company shall not by
assignment or other dealing with or relating to this Policy, any act done in the exercise or purported exercise of
but the payment by the Company to the Insured or his its powers hereunder incur any liability to the Insured
legal representative of any compensation or benefit under or diminish its rights to rely upon any of the conditions
the Policy shall in all cases be an effectual discharge to of this Policy in answer to any claim.
the Company.
If the Insured or any person on his behalf shall not comply
8. Overriding effect of Part II of the Schedule with the requirement of the Company, or shall hinder
The terms and conditions contained herein and in Part II or obstruct the Company in the exercise of the powers
of the Schedule shall be deemed to form part of the Policy hereunder, all benefits under the Policy shall be forfeited
and shall be read as if they are specifically incorporated at the option of the Company.
herein; however in case of any inconsistency of any 11. Right to inspect
term and condition with the scope of cover contained in
Part II of the Schedule, then the term(s) and condition(s) If required by the Company, an agent/representative of
contained herein shall be read mutatis mutandis with the the Company including a loss assessor or a Surveyor or an
scope of cover/terms and conditions contained in Part investigator appointed in that behalf shall in case of any
II of the Schedule and shall be deemed to be modified loss or any circumstances that have given rise to the claim
accordingly or superseded in case of inconsistency being to the Insured be permitted at all reasonable times to
irreconcilable. examine into the circumstances of such loss. The Insured
shall on being required so to do by the Company produce
9. Duties of the Insured on occurrence of loss all books of accounts, receipts, documents relating to or
On the occurrence of any loss, within the scope of cover containing entries relating to the loss or such circumstance
under the Policy the Insured shall: in his possession and furnish copies of or extracts from
a. Forthwith file/submit a Claim Form in accordance such of them as may be required by the Company so far
as they relate to such claims or will in any way assist the

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

Company to ascertain in the correctness thereof or the Company to be adjudicated or interpreted in accordance
liability of the Company under the Policy. with the Laws of India and only competent Courts of
12. Position after a claim India shall have the exclusive jurisdiction to try all or any
matters arising hereunder. The matter shall be determined
The Insured shall not be entitled to abandon any Insured or adjudicated in accordance with the law and practice of
item/property till the time the Company has taken such Court.
possession of the same. As from the day of receipt of
the claim amount by the Insured as determined by the 17. Arbitration clause
Company to be fit and proper, the Sum Insured for the If any dispute or difference shall arise as to the quantum
remainder of the Period of Insurance shall stand reduced to be paid under this Policy (liability being otherwise
by the amount of the compensation. admitted) such difference shall independently of all other
13. Indemnity questions be referred to the decision of a sole arbitrator
to be appointed in writing by the parties to the dispute/
The Company may at its option, if applicable reinstate, difference, or if they cannot agree upon a single arbitrator
replace or repair the property or premises lost or damaged within 30 days of any party invoking arbitration, the same
or any part thereof instead of paying the amount of shall be referred to a panel of three arbitrators, comprising
loss or damage or may join with any other insurer in of two arbitrators, one to be appointed by each of the
so doing. The Company shall not be bound to reinstate parties to the dispute/difference and the third arbitrator to
exactly or completely but only as circumstances permit be appointed by such two arbitrators. Arbitration shall be
and in reasonably sufficient manner. In no case shall the conducted under and in accordance with the provisions of
Company be bound to expend more in reinstatement than the Arbitration and Conciliation Act, 1996.
it would have cost to reinstate such property as it was at
the time of the occurrence of such loss or damage and in It is clearly agreed and understood that no difference or
any event not more than the Sum Insured thereon. dispute shall be referred to arbitration, as hereinbefore
provided, if the Company has disputed or not accepted
If in any case the Company shall be unable to reinstate or liability under or in respect of this Policy.
repair the Insured property/item hereby Insured, because
of any law or other regulations in force affecting Insured 18. Free Look Period
property or otherwise, the Company shall, in every such Every insured of new individual health insurance policies,
case, only be liable to pay such Sum as would be requisite except for those policies with tenure of less than a year,
under the Policy. shall be provided a free look period of 30 days beginning
14. Condition of Average from the date of receipt of policy document, whether
received electronically or otherwise, to review the terms
If the Insured property be collectively of greater value and conditions of such policy. If the insured cancels the
than the Sum Insured thereon, then the Insured shall be policy within free look period then the insured shall be
considered as being his own insurer for the difference, entitled to a refund of the premium paid subject only to a
and shall bear a rateable proportion of the loss or damage deduction of a proportionate risk premium for the period
accordingly. Every item, if more than one in the Policy, of cover and the expenses, if any, incurred by the insurer
shall be separately subject to this condition. on medical examination of the proposer and stamp duty
Multiple policies (Indemnity covers) charges
ln case of multiple policies taken by an insured person 19. Possibility of Revision of Terms of the Policy Including the
during a period from one or more insurers to indemnify Premium Rates. The company may revise or modify the
treatment costs, the insured person shall have the right terms of the policy including the premium rates.
to require a settlement of his/her claim in terms of any of 20. Notices
his/her policies. ln all such cases the insurer chosen by the
insured person shall be treated as the primary Insurer and Any notice, direction or instruction given under this Policy
shall be obliged to settle the claim as long as the claim shall be in writing and delivered by hand, post, or facsimile
is within the limits of and according to the terms of the to
chosen policy. In case of the Insured, at the last-known address
15. Fraudulent claims In case of the Company:
If any claim in any respect is established fraudulent, or ICICI Lombard House, 414, Veer Savarkar Marg, Near
if any false statement, or declaration is made or used in Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
support thereof, or if is established that any fraudulent Notice and instructions will be deemed served 7 days
means or devices are used by the Insured or anyone acting after posting or immediately upon receipt in the case of
on his/her behalf to obtain any benefit under this Policy, or hand delivery, facsimile or e-mail.
if a claim is made and rejected and no court action or suit
is commenced within twelve months after such rejection 21. Customer Service
or, in case of arbitration taking place as provided therein, If at any time the Insured requires any clarification or
within twelve (12) calendar months after the Arbitrator or assistance, the Insured may contact the offices of the
Arbitrators have made their award, all benefits under this Company at the address specified, during normal business
Policy shall be forfeited. hours.
16. Policy Disputes 22. The list of excluded items would be as per the Annexure A,
Any dispute concerning the interpretation of the terms, attached along with these policy wordings. In case of any
conditions, limitations and/or exclusions contained herein variation, such specific list would be annexed along with the
is understood and agreed by both the Insured and the policy documents

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

List of Expenses The details of Insurance Ombudsman are available below:

SUGGESTIONS
Sl Generally Excluded
(Payable/Non CONTACT DETAILS JURISDICTION
No. (“Non-Medical”) in Hos-
Payable)
pital Indemnity Policy AHMEDABAD Gujarat, Dadra
Insurance Ombudsman Office of the & Nagar Haveli,
Insurance Ombudsman, Jeevan Prakash Daman and Diu
Building, 6th floor, Tilak Marg, Relief Road,
AHMEDABAD – 380 001.
Tel.: 079 - 25501201/02/05/06
23. Limitation period Email: [Link]@[Link]
In no case whatsoever shall the Company be liable, BENGALURU Karnataka.
for any expenses after the expiry of 30 days from the Insurance Ombudsman
date of completion of trip unless the claim is subject to Office of the Insurance Ombudsman,
pending action or arbitration; it being expressly agreed Jeevan Soudha Building,PID No. 57-27-N-19
and declared that if the Company shall disclaim liability Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase, Bengaluru – 560 078.
for any claim hereunder and such claim shall not within
Tel.: 080 - 26652048 / 26652049
12 calendar months from the date of disclaimer have Email: [Link]@[Link]
been made the subject matter of a suit in court of law
then the claim for all such purposes be deemed to have BHOPAL Madhya Pradesh
Insurance Ombudsman and Chattisgarh.
been abandoned and shall not thereafter be recoverable
Office of the Insurance Ombudsman,
hereunder. However, a period of up to 6 months would 1st floor,"Jeevan Shikha",
be provided after the Policy end date, for the purpose 60-B,Hoshangabad Road, Opp. Gayatri
of intimation of claims related to Section 7 -Personal Mandir,
Accident. Bhopal – 462 011.
Tel.: 0755 - 2769201 / 2769202
24. Grievances
Email: [Link]@[Link]
ln case of any grievance the insured person may contact
BHUBANESHWAR Odisha
the Company through Insurance Ombudsman
Website: [Link] Toll free: 1800 2666 Office of the Insurance Ombudsman,
Email: customersupport@[Link] 62, Forest park,
Bhubaneswar – 751 009.
ICICI Lombard General Insurance Co. Ltd. Ground floor- Tel.: 0674 - 2596461 /2596455
Interface 11, Sixth floor- Interface 16, Email: [Link]@cioins.
[Link]
Office no 601 & 602, New linking Road, Malad (West),
Mumbai – 400064 CHANDIGARH Punjab,
Mr Atul Jerath Haryana(excluding
There is an interactive voice response (IVR) facility for Insurance Ombudsman Gurugram,
senior citizens’ grievance redressal for easy and faster Office Of The Insurance Ombudsman, Faridabad, Sonepat
resolution Jeevan Deep Building SCO 20-27, and Bahadurgarh)
Ground Floor Sector- 17 A, Himachal Pradesh,
The lnsured person may also approach the grievance
Chandigarh – 160 017. Union Territories of
cell at any of the company’s branches with the details of Tel.: 0172 - 4646394 / 2706468 Jammu & Kashmir
grievance. For branch details, please visit [Link] Email: [Link]@[Link] and Ladakh &
[Link]/docs/default-source/policy-wordings- Chandigarh.
product-brochure/[Link].
CHENNAI Tamil Nadu
lf the lnsured person is not satisfied with the redressal Insurance Ombudsman Puducherry Town
of grievance ,insured person may contact the grievance Office of the Insurance Ombudsman, and Karaikal
officer at the details provided in the below link: https:// Fatima Akhtar Court, 4th Floor, 453, (which are part of
[Link]/[Link] Anna Salai, Teynampet, Puducherry).
CHENNAI – 600 018.
lf the lnsured person is not satisfied with the redressal Tel.: 044 - 24333668 / 24333678
of grievance, the insured person may also approach Email: [Link]@[Link]
Insurance Regulatory and Development Authority (IRDA) DELHI Delhi & following
through the Bima Bharosa Portal - [Link] Insurance Ombudsman Districts of Haryana
[Link]/ or IRDA Grievance Call Centre(IGCC) at their Office of the Insurance Ombudsman, – Gurugram,
toll free no. 1800 4254 732 / 155255 2/2 A, Universal Insurance Building, Faridabad, Sonepat
Asaf Ali Road, & Bahadurgarh
Insured may also approach Insurance Ombudsman,
New Delhi – 110 002.
subject to vested jurisdiction, for the redressal of grievance. Tel.: 011 - 23237539
Details of Insurance Ombudsman offices are available at Email: [Link]@[Link]
IRDAI website: [Link], or on the Company’s
website at [Link] or on [Link]
[Link]/Ombudsman.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

CONTACT DETAILS JURISDICTION CONTACT DETAILS JURISDICTION

ERNAKULAM Kerala, LUCKNOW District of Uttar
Insurance Ombudsman Lakshadweep, Insurance Ombudsman Pradesh: Lalitpur,
Office of the Insurance Ombudsman, Mahe-a part of Office of the Insurance Ombudsman, Jhansi, Mahoba,
10th Floor, Jeevan Prakash,LIC Building, Union Territory of 6th Floor, Jeevan Bhawan, Phase-II, Hamirpur, Banda,
Opp to Maharaja's College Puducherry Nawal Kishore Road, Hazratganj, Chitrakoot,
Ground,[Link], Lucknow - 226 001. Allahabad,
Kochi - 682 011. Tel.: 0522 - 4002082 / 3500613 Mirzapur,
Tel.: 0484 - 2358759 Email: [Link]@[Link] Sonbhabdra,
Email: [Link]@[Link] Fatehpur,
Pratapgarh,
GUWAHATI Assam, Meghalaya, Jaunpur, Varansi,
Insurance Ombudsman Manipur, Mizoram, Gazipur, Jalaun,
Office of the Insurance Ombudsman, Arunachal Pradesh, Kanpur, Lucknow,
Jeevan Nivesh, 5th Floor, Nagaland and Unnao, Sitapur,
Nr. Panbazar over bridge, S.S. Road, Tripura. Lakhimpur,
Guwahati – 781001(ASSAM). Bahraich,
Tel.: 0361 - 2632204 / 2602205 Barabanki,
Email: [Link]@[Link] Raebareli, Sravasti,
HYDERABAD Andhra Gonda, Faizabad,
Insurance Ombudsman Pradesh, Telangana, Amethi, Kaushambi,
Office of the Insurance Ombudsman, Yanam and part of Balrampur, Basti,
6-2-46, 1st floor, "Moin Court", Union Territory of Ambedkarnagar,
Lane Opp. Saleem Function Palace, Puducherry. Sulanpur,
A. C. Guards, Lakdi-Ka-Pool, Hyderabad - Maharajganj,
500 004. Santkabirnagar,
Tel.: 040 - 23312122 Azamgarh,
Email: [Link]@[Link] Kaushinagar,
Gorkhpur, Deoria,
Mau, Ghazipur,
JAIPUR Rajasthan. Chandauli, Ballia,
Insurance Ombudsman Sidharathnagar.
Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor, MUMBAI Goa, Mumbai
Bhawani Singh Marg, Insurance Ombudsman Metropolitan Region
Jaipur - 302 005. Office of the Insurance Ombudsman, (excluding Navi
Tel.: 0141- 2740363/2740798 3rd Floor, Jeevan Seva Annexe, Mumbai & Thane).
Email: [Link]@[Link] S. V. Road, Santacruz (W),
Mumbai - 400 054.
KOLKATA West Bengal, Sikkim Tel.: 022 - 69038800/27/29/31/32/33
Insurance Ombudsman Andaman and Email: [Link]@[Link]
Office of the Insurance Ombudsman, Nicobar Islands.
Hindustan Bldg. Annexe, 7th Floor, NOIDA States of
4, C.R. Avenue, Insurance Ombudsman Uttaranchal and the
KOLKATA - 700 072. Office of the Insurance Ombudsman, following Districts
Tel.: 033 - 22124339 / 22124341 Bhagwan Sahai Palace of Uttar Pradesh:.
Email: [Link]@[Link] 4th Floor, Main Road, Naya Bans, Sector 15, Agra, Aligarh,
Distt: Gautam Buddh Nagar, U.P-201301. Bagpat, Bareilly,
Tel.: 0120-2514252 / 2514253 Bijnor, Budaun,
Email: [Link]@[Link] Bulandshehar,
Etah,Kannauj,
Mainpuri, Mathura,
Meerut, Moradabad,
Muzaffarnagar,
Oraiyya,
Pilibhit, Etawah,
Farrukhabad,
Firozabad, Gautam
Budh Nagar,
Ghaziabad, Hardoi,
Shahjahanpur,
Hapur, Shamli,
Rampur, Kashganj,
Sambhal,
Amroha, Hathras,
Kanshiramnagar,
Saharanpur.

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

CONTACT DETAILS JURISDICTION SR.

Item
No.
PATNA Bihar and
Insurance Ombudsman Jharkhand. EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH
25
Office of the Insurance Ombudsman, FORMS PART OF BED CHARGE)
2nd Floor, Lalit Bhawan,
Bailey Road, 26 BIRTH CERTIFICATE
Patna 800 001. 27 CERTIFICATE CHARGES
Tel.: 0612-2547068
28 COURIER CHARGES
Email: [Link]@[Link]
29 CONVEYANCE CHARGES
PUNE Maharashtra,
Insurance Ombudsman Area of Navi 30 MEDICAL CERTIFICATE
Office of the Insurance Ombudsman, Mumbai and Thane 31 MEDICAL RECORDS
Jeevan Darshan Bldg., 3rd Floor, (excluding Mumbai
C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Metropolitan 32 PHOTOCOPIES CHARGES
Narayan Peth, Pune – 411 030. Region). 33 MORTUARY CHARGES
Tel.: 020-24471175
34 WALKING AIDS CHARGES
Email: [Link]@[Link]
OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPI-
35
TAL)
The updated details of Insurance Ombudsman are also
available on IRDAI website: [Link] on the website 36 SPACER
of Office of the Executive Council of Insurers (formerly GBIC): 37 SPIROMETRE
[Link], website of the company [Link].
38 NEBULIZER KIT
com or from any of our offices. For updated list of ombudsman
details kindly visit [Link] 39 STEAM INHALER

Annexure-A 40 ARMSLING
41 THERMOMETER
List I – Items for which coverage is not available in the policy
42 CERVICAL COLLAR
SR. 43 SPLINT
Item
No.
44 DIABETIC FOOT WEAR
1 BABY FOOD
45 KNEE BRACES (LONG/ SHORT/ HINGED)
2 BABY UTILITIES CHARGES
46 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER
3 BEAUTY SERVICES
47 LUMBO SACRAL BELT
4 BELTS/ BRACES
48 NIMBUS BED OR WATER OR AIR BED CHARGES
5 BUDS
49 AMBULANCE COLLAR
6 COLD PACK/HOT PACK
50 AMBULANCE EQUIPMENT
7 CARRY BAGS
51 ABDOMINAL BINDER
8 EMAIL / INTERNET CHARGES
PRIVATE NURSES CHARGES- SPECIAL NURSING
FOOD CHARGES (OTHER THAN PATIENT's DIET PRO- 52
9 CHARGES
VIDED BY HOSPITAL)
53 SUGAR FREE Tablets
10 LEGGINGS
CREAMS POWDERS LOTIONS (Toiletries are not payable,
11 LAUNDRY CHARGES 54
only prescribed medical pharmaceuticals payable)
12 MINERAL WATER
55 ECG ELECTRODES
13 SANITARY PAD
56 GLOVES
14 TELEPHONE CHARGES
57 NEBULISATION KIT
15 GUEST SERVICES
ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT,
16 CREPE BANDAGE 58
ORTHOKIT, RECOVERY KIT, ETC]
17 DIAPER OF ANY TYPE 59 KIDNEY TRAY
18 EYELET COLLAR 60 MASK
19 SLINGS 61 OUNCE GLASS
BLOOD GROUPING AND CROSS MATCHING OF DO- 62 OXYGEN MASK
20
NORS SAMPLES
63 PELVIC TRACTION BELT
SERVICE CHARGES WHERE NURSING CHARGE ALSO
21 64 PAN CAN
CHARGED
65 TROLLY COVER
22 Television Charges
66 UROMETER, URINE JUG
23 SURCHARGES
67 AMBULANCE
24 ATTENDANT CHARGES
68 VASOFIX SAFETY

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]
 For Buy/ Renew/ Service/ Claim related queries Log on to [Link] or call 1800 2666

List II – Items that are to be subsumed into Room Charges SR.

Item
No.
SR.
Item 3 EYE PAD
No.
1 BABY CHARGES (UNLESS SPECIFIED/INDICATED) 4 EYE SHEILD

2 HAND WASH 5 CAMERA COVER

3 SHOE COVER 6 DVD, CD CHARGES

4 CAPS 7 GAUSE SOFT

5 CRADLE CHARGES 8 GAUZE

6 COMB 9 WARD AND THEATRE BOOKING CHARGES

7 EAU-DE-COLOGNE / ROOM FRESHNERS 10 ARTHROSCOPY AND ENDOSCOPY INSTRUMENTS

8 FOOT COVER 11 MICROSCOPE COVER

9 GOWN 12 SURGICAL BLADES, HARMONICSCALPEL,SHAVER

10 SLIPPERS 13 SURGICAL DRILL

11 TISSUE PAPER 14 EYE KIT

12 TOOTH PASTE 15 EYE DRAPE

13 TOOTH BRUSH 16 X-RAY FILM

14 BED PAN 17 BOYLES APPARATUS CHARGES

15 FACE MASK 18 COTTON

16 FLEXI MASK 19 COTTON BANDAGE

17 HAND HOLDER 20 SURGICAL TAPE

18 SPUTUM CUP 21 APRON

19 DISINFECTANT LOTIONS 22 TORNIQUET

20 LUXURY TAX 23 ORTHOBUNDLE, GYNAEC BUNDLE

21 HVAC
List IV – Items that are to be subsumed into costs of treatment
22 HOUSE KEEPING CHARGES
23 AIR CONDITIONER CHARGES SR.
Item
No.
24 IM IV INJECTION CHARGES
1 ADMISSION/REGISTRATION CHARGES
CLEAN SHEET
25 HOSPITALISATION FOR EVALUATION/ DIAGNOSTIC PUR-
2
POSE
26 BLANKET/WARMER BLANKET
3 URINE CONTAINER
27 ADMISSION KIT
BLOOD RESERVATION CHARGES AND ANTE NATAL
28 DIABETIC CHART CHARGES 4
BOOKING CHARGES
DOCUMENTATION CHARGES / ADMINISTRATIVE EX-
29 5 BIPAP MACHINE
PENSES
6 CPAP/ CAPD EQUIPMENTS
30 DISCHARGE PROCEDURE CHARGES
7 INFUSION PUMP– COST
31 DAILY CHART CHARGES
8 HYDROGEN PEROXIDE\SPIRIT\ DISINFECTANTS ETC
32 ENTRANCE PASS / VISITORS PASS CHARGES
NUTRITION PLANNING CHARGES - DIETICIAN CHARGES-
33 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE 9
DIET CHARGES
34 FILE OPENING CHARGES
10 HIV KIT
INCIDENTAL EXPENSES / MISC. CHARGES (NOT EX-
35 11 ANTISEPTIC MOUTHWASH
PLAINED)
12 LOZENGES
36 PATIENT IDENTIFICATION BAND / NAME TAG
13 MOUTH PAINT
37 PULSEOXYMETER CHARGES
14 VACCINATION CHARGES
List III – Items that are to be subsumed into Procedure 15 ALCOHOL SWABES
Charges 16 SCRUB SOLUTION/STERILLIUM
17 Glucometer& Strips
SR.
No.
Item 18 URINE BAG
1 HAIR REMOVAL CREAM
2 DISPOSABLES RAZORS CHARGES (for site preparations)

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 UIN: ICITIOP25036V012425 TripSecure+
Mailing Address: CIN: L67200MH2000PLC129408 Toll free No. : 1800 2666
601 / 602, 6th Floor, Interface Building No. 16, Registered Office Address: Alternate No.: 86552 22666 (Chargeable)
New Link Road, Malad (West), ICICI Lombard House, 414, P Balu Marg, Off Veer Savarkar Road, Website : [Link]
Mumbai - 400 064. Nr Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. E-mail : customersupport@[Link]