Travel Insurance

Your Travel Partner for a Happy Journey!

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 We’ve got all travellers covered!

Families

Couples

Business travellers

Solo travellers

Leisure travellers

Senior citizens

Cruise travellers
Whether you're chasing sunsets in Santorini
or skiing in Switzerland or exploring the
backwaters of Kerala, or trekking in the Backpackers
Himalayas with your family or friends,
TripSecure+ has you covered! Think of us as Adventure seekers
your Travel companion, providing coverage
for your journeys with flexible options Pet parents
designed to suit your needs, irrespective of
the destination or purpose. Occasional or frequent travellers
 4 reasons to have TripSecure+ for your journey!

Health Surprises?
Handled!
Pre-existing disease cover add on* ensures you’re never caught off guard-just breathe easy
and let us handle the tough stuff.

Adventure Junkies,
Rejoice!
AI at Your Service^ Our extensive #adventure sports cover add on* keeps you in the thrill zone. From skiing to
skydiving, we’ve got you protected!
We get it-every traveler is
unique. That’s why our AI
works behind the scenes to Car Woes Ruining
tailor coverage that perfectly Your Trip?
fits your travel style. No worries! Our Car Rental Cover For Deductible34 will reimburse your deposit.
Customise Your Coverage, Enjoy the Benefits!

Medical Expenses Covers

Pre existing disease cover add* on in life threatening

condition due to pre-existing diseases.
Hospitalisation expenses for illness and injury.
Outpatient Treatment for Illness and Injury Extension*.
Medical Evacuation.
Dental treatment- cover emergency dental care
for sudden pain or accidents during your trip.

Accident & Disabilities Covers#

Personal Accident - Adventure Sports Cover add on*.

Accidental Death and Disablement - Common Carrier- Payout is provided in case of
death or permanent disablement if an accident takes place while you’re traveling in
public/common carrier as a passenger.
Credit Card Secure- covers your credit card’s outstanding balance as on date of accident,
in case of death or disability.
Home to Home cover Section A- Covers medical expenses arising due to an accident
during your journey within India.
Home to Home cover Section B- pays in case of death and disablement arising due to
an accident during your journey within India.
Baggage & Personal Effects Covers Travel Delay, Cancellation & Curtailment Covers

Loss of checked in baggage - Reimburses Flight delay auto assist - pays you automatically if your
you for lost checked-in baggage. flight is delayed.
Smart delayed checked in baggage - Flight cancellation - pays you on cancellation of
We'll take care of payment automatically, if scheduled flight.
your baggage is delayed beyond the Piste closure - provide a daily payout if you’re stuck at your
specified time. hotel due to snow or avalanche causing ski lift closures.
Debit and credit card fraudulent utilization - Automatic extension of period of insurance - automatically
Covers your financial loss due to fraudulent extend your coverage by 15 days if your trip is delayed for
utilization of your debit, credit, or forex card reasons beyond control.
if it is stolen or lost.
Come, let’s explore the coverages!
International Travel Insurance Coverages

Medical Expenses Covers

Hospitalisation Expenses for Physiotherapy Extension*@ Daily Allowance in case

Injury and Illness1a@ of Hospitalization ³

Outpatient Treatment for Illness Pre-Existing Disease Cover add on*@ Medical Evacuation ⁴
and Injury add on*@

Medical Aid Cover in case of Illness Hospitalisation Expenses - Repatriation of Remains ⁵

and Injury add on*@ Adventure Sports Cover add on*@

Child care expenses due to Hospitalisation Expenses Dental Treatment ⁶

hospitalisation add on*@ for Injury 2a@

Accident & Disabilities Covers

Personal accident ⁷ Personal Accident - Home to Home Cover

Adventure Sports Cover add on* - Section A 10

Coma Cover add on% Lifestyle Modification Cover add on* Home to Home Cover
- Section B 11

Child Benefit Cover add on* Accidental death and Workplace Assault add on~
disablement - Common carrier ⁹

Credit Card Secure ⁸

Baggage & Personal Effects Covers

Loss of checked-in baggage! Delay of checked in baggage 14b Loss of Sports Equipment
Extension!

Electronic Equipment Loss add on! Loss of baggage and Debit and Credit Card and
personal effects! Forex Card - Fraudulent Utilization 17

Sports Equipment Loss add on! Loss of Electronic Equipment add on! Loss of passport and international
driving license

Damage to baggage during transit 13

Travel Delay, Cancellation & Curtailment Covers

Trip cancellation 18 Trip resumption add on* Common carrier delay 25

Reimbursement of cancellation Missed event due to Flight delay auto assist

charges of pre-booked events add on* Itinerary Change add on*

Frequent Flyer points Extension* Trip cancellation due to Flight Cancellation 26

VISA rejection 23

Trip interruption or curtailment 19 Refund of VISA fee add on* Missed connecting flight 27

Compassionate visit 20 Cancellation cover for hotel Bounced bookings of

and accommodation airlines or hotel 28

Hotel extension due Piste Closure 24 Automatic extension of

to contingency 21 period of insurance 29

Political Risk And

Catastrophe Evacuation 22
Cruise Covers

Missed Shore Cover Medical cover on a cruise - Section Medical cover on a cruise -
A Hospitalisation expense 30 Section C - Medical evacutaion 32

Cruise Interruption Medical cover on a cruise - Section B - Cruise Cover - Unused excursions
Daily Allowance in case of Hospitalization 31 add on*

Other Covers

Personal liability 33 Fire and allied perils- Home Building Escort of Minor Children
and Contents 37

Court attendance cover add on* Burglary- Home Contents 38 Hole in One

Car rental cover for deductible** Pet Care and Veterinary Hospitalization- Reimbursement of Green Fees
Section A: While Pet not travel with Insured

Rental vehicle return add on* Pet Care and Veterinary Hospitalization- Upgradation to Business Class 39
Section B: While Pet travel with Insured

Car rental cover 34 Out of Pocket expenses for Pet Care Quarantine Cover
due to Trip Delay

Hijack distress compensation 35 Travel Loan Secure -SI in INR Bail Bond 40

Financial emergency cash allowance 36 Language Interpreter Kidnap Distress allowance

General Exclusions (Applicable to all covers under the policy)

Events before the trip starts or after it ends. War, rebellion, riots, or government actions.

Fraudulent claims, false declarations, or willful

Nuclear radiation or contamination.
damage by the insured.

The insured traveling against medical advice, awaiting Professional/semi-professional sports without prior
specific treatments, with terminal prognosis, seeking declaration.
treatment, or involved in military/naval operations.
Overseas trips exceeding 90 days on an
immigrant visa.
Intentional self-injury, suicide, or intoxication.

Injuries from criminal acts by the insured.

Participation in hazardous/adventure sports (unless
premium is paid for coverage).
Claims below the deductible or time excess in the
policy schedule.
Involvement in murder, assault, or criminal acts.

Note: There are cover specific exclusions apart from general exclusions
which needs to be referred to. The details are available in policy wording.
Anxiety, stress, depression, or venereal diseases.
Claims for Overseas Travel
For any travel assistance, emergency medical assistance or claims support including intimation and claim form along with claim
documents submission during your trip overseas, please reach out to our travel assistance partner at 24/7 alarm centre.

Mailing Address
Falck India Pvt. Ltd, Upper Floor, The Peach Tree, Block - C, Sushant Lok - 1 sector - 43, Gurgaon, Haryana - 122015 (India)

Medical & Travel Assistance

USA & Canada Toll - Free Number: +18840711200 | Rest of the World (Call Back Facility): +91 124 4498778
National Toll - Free Number: +18001026721 | Fax Number: + 91 124 4006674 | Email Address: icicilombard@falck.com

Late-night hiccup in Honolulu? Morning muddle in Manali? You enjoy the trip; we’ve got your back, day and night!

During claim submission, please share

the policy details and travel documents
along with the invoices, relevant claim
documents to our assistance service
provider stating the section under
which claim is being filed.
Key points to remember:

*Subject to payment of additional premium.

**Deductible, for the purpose of this cover, means the deductible / excess / deposit amount and not any other amount, by whatever name called, under the rental vehicle hiring
agreement to the car rental company, if the rental vehicle is involved in an accident or is stolen during the rental period. As such, payment under this cover would be restricted only
against the theft or any accidental damage to the rented vehicle made to the car rental company. However, the Deductible does not include the Rental Vehicle Insurance amount as
defined under Car Rental Cover.
^Coverages and Add On covers will be recommended based on information provided.
a
Either Hospitalisation Expense for Illness and Injury cover or Hospitalisation Expense for Injury cover can be selected. Both cannot be opted together.
b
Either Smart Delayed Checked In Baggage Cover or Delay of Checked In Baggage cover can be selected. Both cannot be opted together.
#
Accidents and Disabilities Section: Personal Accident Cover: Adventure Sports Cover Add On
@
Sub limits, if any, under this cover can be removed upon payment of additional premium.
%
Weekly amount will be payable up to a maximum of 24 consecutive weeks.
~
Excludes any assault done by or linked to the employer or any employee of the organization of which the Insured is also an employee.
!
Under this cover, coverage is limited to any one incident of loss.

¹ Reimbursement of expenses incurred in case of hospitalization due to illness contracted or any Injury due to an Accident during the policy period.
² Reimbursement of medical expenses incurred for medical treatment on account of injury.
³ Per day payout on hospitalization due to an accidental Injury during the policy period. Excludes Any Medical treatment or expense related to Cruise cover.
⁴ Reimbursement of expenses for emergency transportation and evacuation services necessitated due to any Illness contracted or accidental Injury sustained during the policy period.
Excludes any Medical treatment or expense related to Cruise cover unless such Cover 32: Medical Cover on a Cruise has been opted.
⁵ In the unfortunate event of the death of the insured, reimbursement of expenses incurred for transporting the remains of the deceased Insured back to the Country/Place of
Residence or for a local burial or cremation in the country/place where death has occurred with approval of the Assistance Service Provider and/or Company. The payment for
cremation will be limited to USD 300 as a fixed benefit in the event of non-submission of bills.
6
Reimbursement of expenses incurred for emergency dental treatment towards relief from sudden acute pain and/or due to an accident during the policy period. The medically
necessary treatment should commence within 24 hours of the time the acute pain first occurs during a Trip abroad. Excludes any costs incurred for routine dental treatment or
consultation and cementing or fixation of tooth or teeth bridge/s.
7
We shall pay a lump sum payout in case of death or permanent total disablement or permanent partial disablement of the insured during the policy period. Excludes amounts related
to medical expenses.
8
We shall pay outstanding balance in credit card to legal heir/nominee in case of death or disablement of the Insured due to accident during the policy period as on the date of
the accident.
9
We shall pay a lump sum payout in case of death or disablement of the Insured while mounting, dismounting or travelling in a Common Carrier/Public Carrier during the policy period.
Excludes amounts related to medical expenses.
10
Reimbursement of medical expenses arising due to an accident while on Insured Journey in India.
11
We will pay for Death and Disablement arising due to an Accident while on Insured Journey in India.
12
Pro-rated payout for pieces of baggage permanently lost whilst under the custody of common carrier vis-a-vis pieces of baggage that were checked-in. Excludes
a. any loss or damage of Contents including valuables and cash.
b. Baggage sent in advance or souvenirs and articles mailed or shipped separately.
13
We shall pay a fixed payout in case of damage to your checked-in baggage(s) while it is entrusted to the Common carrier/Public Carrier.
14
Fixed payout in case the checked-in baggage is delayed beyond the period specified in policy certificate.
15
Reimbursement for loss of your baggage and personal effects due to theft, burglary, robbery, hold-up or any such similar events during the policy period.
16
Indemnification of the cost (after depreciation) of the sports equipment lost due to theft, burglary, robbery, mugging, hold up or any similar incidence during the policy period.
17
Reimbursement for financial loss due to fraudulent utilization of debit / credit / forex card in the event of loss or theft of such card during policy period upto the limit as defined in
policy certificate.
18
Indemnification for financial loss (travel and accommodation) incurred on cancellation of trip due to unexpected events e.g. sickness, natural calamities, terrorist attack etc.
19
Indemnification for the financial loss incurred in case your trip is interrupted and/or you need to curtail your trip due to unexpected events beyond your control.
20
Reimbursement of Cost of visit (travel and accommodation) of a any one immediate family member / friend to the insured’s place of hospitalization for a specified duration if deemed
necessary by the treating medical practitioner.
21
Reimbursement of expenses towards lodging and boarding for an extended stay at a pre-booked hotel/accommodation facility if the insured’s departure is delayed due to
unexpected events beyond control. The place of Origin must not be city of residence of the insured. Also, excludes any delay arising out of or is consequent of government
regulations or prohibition.
22
Reimbursement of expenses incurred for your return to your place of residence or the nearest place of safety in such situations. Excludes below reasons for evacuation:
1. Violation of laws / permits / licences / contractual obligations.
2. Circumstances that resulted in the Insured's evacuation being in existence prior to the Insured entering the country or their occurrence being foreseeable to a reasonable person
before the Insured entered the country.
23
Reimbursement of any non-refundable and/or cancellation charges towards travel tickets and accommodation in case the insured has to cancel his trip due to visa rejection.
This cover is not applicable for immigrant or employment visa. Reason for Visa Rejection must not be:
1. Past or current criminal actions or record;
2. Any error at the Travel Agent / Aggregator’s end. Any such error/situations that may lead to recurring bulk visa rejections.
24
We shall pay to the Insured a daily compensation for maximum number of days as specified in Part I of the Policy Schedule for each continuous and completed stay in the Hotel due
to complete lack of snow or avalanche which lead to closure of Ski lifts and Ski schools and hence mandated the Insured to stay in the Hotel for complete day.
25
We shall pay a fixed payout in case of a delay in departure of the scheduled Common Carrier/Public Carrier. Excludes delays where the causes of delay were publicly announced or
publicly known prior to booking of trip or purchase of insurance.
26
We will pay the Sum Insured in the event of cancellation of scheduled departure of the international flight whilst on Insured Journey. Excludes claims where:
1. Any of the causes for flight cancellation were reasonably known to the Insured Person /Policyholder prior to the booking date or date of receipt of premium, whichever is later.
2. If the flight was cancelled 12 (twelve) hours prior to the time of the scheduled departure.
27
We shall reimburse for official cancellation charges and additional cost incurred to proceed with your planned trip in case you fail to access a connecting flight due to a delayed
arrival of the previous flight. Excludes claims where time gap between previous flight and connecting flight ism less than 3 hours and also excludes claims where flight is missed due
to any advance intimation given to the Insured of a possible delay of the flight that might lead to missing of connecting flights.
28
Reimbursement of additional expenses incurred for alternative arrangements respectively in the event of bounced booking of the confirmed Common Carrier/Public Carrier and/or
confirmed pre-paid accommodation.
29
Automatic extension of Policy Period granted up to a period of 15 days from the Policy Expiry date if your trip is delayed or extended due to reasons beyond your control.
30
Reimbursement of expenses incurred on emergency hospitalization due to illness or injury to insured while on a cruise on written advice of a medical practitioner.
31
Per day payout on hospitalization due to an accidental Injury to insured while on a cruise. Hospitalisation must be for a continuous period of 24 hours.
32
Reimbursement of expenses for emergency transportation and evacuation services necessitated due to any Illness contracted or accidental Injury sustained to insured while on
a cruise.
33
Reimbursement of expenses towards payment of legal liability to a third party during the covered trip arising out of accidental death, bodily injury or property damages to third party.
34
We will reimburse the Insured for the Rental Vehicle Insurance in case the Rental Vehicle is stolen, damaged or involved in a collision whilst in the care of the
Insured. Rental Vehicle Insurance means the amount, the Insured is legally liable to pay under the Rental Vehicle hiring agreement to the car rental company, if the
Rental Vehicle is involved in an accident or is stolen during the rental period. However, the Rental Vehicle Insurance does not include the Deductible amount as
defined under Cover 36: Car Rental Cover for Deductible.
35
Per day payout payable in the event of an Hijack of the Common Carrier/Public Carrier in which the insured is travelling as a fare paying passenger.
36
Lump sum payout in case you are left with no travel funds following an incident of theft, robbery, etc. during the policy period. No claim will be accepted if the claim is reported to the
Company or Assistance Service Provider more than 48 hours after the incident of theft or burglary of luggage/money.
37
Indemnification for financial loss or damage due to specific perils at your residence during the policy period.
38
Indemnification for financial loss or damage due to burglary/attempted burglary at your residence while you are on a covered trip. Excludes the loss or damage while Insured’s
premises is unoccupied, for a consecutive period of more than 30 days, without informing informed the Company and obtaining its written approval. Also excludes Theft without
actual forcible and violent entry and/or exit from the premises.
39
We will reimburse the actual expense incurred for up-gradation of insured's existing economy class air ticket to a business class air ticket in the event of insured getting hospitalized
during the insured journey. Treating Medical practitioner must certify that Hospitalisation must be for at least 5 days.
40
Bail Amount will be paid directly to court / appropriate authority towards release of the insured in case the insured is arrested or detained for a bailable offence. In case the bail
amount is forfeited, then the Insured must pay the bail amount to the Company within 1 month failing which interest will be payable at 18% p.a. towards release of the insured in case
the insured in arrested or detained for a bailable offence.