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| Why do I need Travel Insurance? |
| One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency. |
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| What is a TPA? |
| TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims. |
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| In case medical treatment is required, is there any need for any pre-approval before hospitalization? |
| You would need to contact our third party administrator in India, and they would arrange for the cashless claims for the medical treatment. |
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| If pre-approval is required then what are the procedures? |
| For hospitalization, ICICI Lombard have a toll free no., which you have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on the bills. |
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| How long does it take for us to receive the policy papers once we purchase the policy online? |
| You parents will receive the papers in 2 working days, and you can take printouts of the policy papers instantly. |
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| What are the average costs of medical treatment abroad? |
Please refer to the table for average costs of medical treatment abroad in the U.S. vis-a-vis India.
| TREATMENT |
INDIA |
US |
| Heart Surgery(Value Replacement) |
Rs 2.5 lakh-3 lakh |
Rs 14.4 lakh |
| Bone Marrow Transplant |
Rs 33.1 lakh |
Rs 1.20 cr |
| Liver Transplant |
Rs 33.1 lakh |
Rs 1.44 cr |
| Orthopedic Surgery |
Rs 2.8 lakh |
Rs 9.6 lakh |
| Cataract Surgery |
Rs 60 K |
Rs 96 K |
| Open Heart Surgery(CABG) |
Rs 2.4 - 4.8 lakh |
Rs 72 lakh |
| Rs 3.12 lakh |
Rs 10 lakh |
Neuro Surgery with Hypothermia |
| Angioplasty |
Rs 2-3 lakh |
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| Spine Surgery |
Rs 1-3 lakh |
Rs 3-6 lakh |
| Heart Surgery(Value Replacement) |
Rs 2.5 lakh-3 lakh |
Rs 14.4 lakh |
| Heart Surgery(Value Replacement) |
Rs 2.5 lakh-3 lakh |
Rs 14.4 lakh |
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