Why Travel Insurance is Essential
A medical emergency abroad can cost ₹10–50 lakh in hospitalisation and evacuation costs. Trip cancellation due to illness, bereavement, or job loss can result in losses of ₹2–10 lakh for an international package. Travel insurance is not an optional extra — it is the single most important protection you can buy for any international journey.
ORVI Travel is not an IRDAI-licensed insurance agent or broker. We facilitate the purchase of insurance policies issued by ICICI Lombard General Insurance Co. Ltd. (IRDAI Reg. No. 115) as a corporate agent under applicable regulations. All claims, disputes, and policy terms are governed solely by the insurer's terms and conditions and the Insurance Act, 1938.
Coverage Plans Available
| Coverage | Essential Plan | Comprehensive Plan | Premium Plan |
|---|---|---|---|
| Emergency medical expenses | Up to USD 50,000 | Up to USD 1,00,000 | Up to USD 5,00,000 |
| Medical evacuation | Yes | Yes | Yes (incl. repatriation) |
| Trip cancellation | Up to ₹1,00,000 | Up to ₹5,00,000 | Up to ₹10,00,000 |
| Trip curtailment | Up to ₹75,000 | Up to ₹3,00,000 | Up to ₹7,50,000 |
| Baggage loss | Up to ₹25,000 | Up to ₹75,000 | Up to ₹1,50,000 |
| Baggage delay | Up to ₹10,000 | Up to ₹25,000 | Up to ₹50,000 |
| Flight delay | ₹500/hr (max ₹5,000) | ₹1,000/hr (max ₹10,000) | ₹2,000/hr (max ₹20,000) |
| Passport loss | Up to ₹15,000 | Up to ₹30,000 | Up to ₹50,000 |
| Personal liability | Up to USD 1,00,000 | Up to USD 2,00,000 | Up to USD 5,00,000 |
| Home burglary (while travelling) | No | Up to ₹1,00,000 | Up to ₹3,00,000 |
| Pre-existing condition cover | No | Limited (emergency stabilisation) | Yes (up to declared conditions) |
| Adventure sports cover | No | Optional add-on | Yes (incl. winter sports) |
Indicative Premiums
| Trip Duration | Destination | Essential | Comprehensive | Premium |
|---|---|---|---|---|
| 1–7 days | Asia (excl. Japan) | ₹450–650 | ₹750–1,100 | ₹1,200–1,800 |
| 1–7 days | Europe / USA | ₹800–1,200 | ₹1,500–2,200 | ₹2,500–3,500 |
| 8–15 days | Asia (excl. Japan) | ₹700–1,000 | ₹1,200–1,800 | ₹1,800–2,600 |
| 8–15 days | Europe / USA | ₹1,400–2,000 | ₹2,500–3,500 | ₹4,000–5,500 |
| 16–30 days | All destinations | ₹1,500–2,500 | ₹3,000–5,000 | ₹5,500–8,000 |
| Annual multi-trip | All destinations | ₹5,000–8,000 | ₹9,000–14,000 | ₹15,000–22,000 |
Premiums are indicative, per adult, and subject to the insurer's assessment of your age, health declarations and travel itinerary. Premiums for travellers above 60 years are higher. All premiums are inclusive of GST at 18%.
General Exclusions
The following are generally not covered under any travel insurance plan. This list is indicative — please read the full policy document before purchase:
- Pre-existing medical conditions (unless specifically included in Premium Plan with declaration)
- Self-inflicted injury or suicide attempts
- Alcohol or drug-related incidents
- Pregnancy-related claims after 32 weeks or high-risk pregnancies (insurer-defined)
- War, civil unrest, nuclear hazard
- Participation in professional sports or race events
- Travel to destinations under Government of India travel advisory: "Do Not Travel"
- Losses arising from failure to obtain required visas or travel documents
- Elective surgery or cosmetic procedures
- Dental treatment (except emergency stabilisation)
How to File a Claim
- Contact the insurer's 24-hour emergency helpline immediately in the event of a medical emergency: ICICI Lombard helpline: 1800 2666
- Keep all original documentation: medical bills, police FIR (for theft/loss), boarding passes, baggage tags, hotel receipts
- Submit the claim to ICICI Lombard within the stipulated time limit (usually 30 days of return to India): claims.ilgen@icicilombard.com or via the IL TakeCare app
- Track claim status via the ICICI Lombard customer portal or the IL TakeCare app
- If a claim is rejected and you believe it is wrongful, you may approach the Insurance Ombudsman under the Insurance Ombudsman Rules, 2017
Regulatory Disclosures (IRDAI)
- Insurance is a subject matter of solicitation. ORVI Travel is a corporate agent of ICICI Lombard General Insurance Co. Ltd. (IRDAI Reg. No. 115).
- ORVI's corporate agency licence number: [CA Licence Number]
- Buying travel insurance is voluntary; however, it is mandatory for Schengen visa applications and strongly recommended for all other international destinations.
- Please read the policy wordings carefully before purchase. Policy terms, conditions, inclusions and exclusions vary by plan.
- All claims are processed directly by ICICI Lombard and are subject to their assessment. ORVI has no role in claims decisions.