{"uin":"ICITIOP27060V032627","name":"TripSecure+_Proposal Form_ICITIOP27060V032627","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"TripSecure+ is a travel insurance policy with international and domestic travel variants covering medical, accident, baggage, trip cancellation or interruption, delay, liability and other travel events. International multi-trip options include maximum single-trip durations up to 120 days or total travel days up to 180 days, and the free-look period is 30 days for eligible policies.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:35:13.234013+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["International Travel Insurance","Domestic Travel Insurance","Single Trip/Round Trip","Multi trip Max","Multi Trip Total","Multi Trip Domestic"],"display":"International Travel Insurance; Domestic Travel Insurance; Single Trip/Round Trip; Multi trip Max; Multi Trip Total; Multi Trip Domestic","note":"The product has selectable covers and extensions; only covers opted and shown in the policy schedule apply.","quote":"INTERNATIONAL TRAVEL INSURANCE ... DOMESTIC TRAVEL INSURANCE\nMULTI TRIP DOMESTIC ... Period of insurance:\na) For Single Trip/Round Trip – Depends on Trip duration\nb) For Multi trip Max – 1 year\nc) For Multi Trip Total – 1 year\nd) For Multi Trip Domestic – 1 year","sources":[{"clause":"Part I","heading":"INTERNATIONAL TRAVEL INSURANCE","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-part-i"},{"clause":"Part II","heading":"DOMESTIC TRAVEL INSURANCE","page":49,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-part-ii-3"},{"clause":"Part II","heading":"DOMESTIC TRAVEL INSURANCE","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20264#c-part-ii-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"For Single Trip/Round Trip, the period depends on trip duration. Multi trip Max, Multi Trip Total and Multi Trip Domestic run for 1 year; extension of a single or round trip is at the Company’s discretion and cannot exceed 182 days.","display":"Single/Round Trip: depends on trip duration; Multi trip Max, Multi Trip Total and Multi Trip Domestic: 1 year; extension cannot exceed 182 days","note":null,"quote":"Period of insurance:\na) For Single Trip/Round Trip – Depends on Trip duration\nb) For Multi trip Max – 1 year\nc) For Multi Trip Total – 1 year\nd) For Multi Trip Domestic – 1 year ... Extension of the Policy shall, if required, be granted at the sole discretion of the Company, provided that the period of extension shall in no case exceed 182 days","sources":[{"clause":"Part II","heading":"DOMESTIC TRAVEL INSURANCE","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20264#c-part-ii-2"},{"clause":"13","heading":"Any claim not meeting the deductible amount or time excess","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured or representatives must immediately report any contingency that may give rise to a claim to the Assistance Service Provider for overseas policies, TPA or in-house claim settlement team. On facing a contingency under any cover, immediate notice must be given to the Company or Assistance Service Provider; failure may prejudice the claim.","display":"Immediate notice to the Assistance Service Provider/TPA/in-house claim settlement team or Company","note":null,"quote":"In the event of a contingency resulting in occurrence of an event that may give rise to a claim, the Insured or his / her representatives shall immediately report the same to the Assistance Service Provider (In case of Overseas Policy) / TPA / In-house claim settlement team ... On facing a contingency which shall result in a claim under any of the covers under this Policy, immediate notice thereof shall be given by the Insured to the Company/ Assistance Service Provider","sources":[{"clause":null,"heading":"All covers in this policy might be subject to co-pay, co-","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-all-covers-in-this-policy-might-be-subject-to-co"},{"clause":"13(f)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-f"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form – completed and signed by the Insured or electronically filled, as per Company’s discretion.","Copy of passport, visa with entry and exit stamp (Only international travel)","PAN Card and Aadhar Card Copy","Cover letter from the insured stating the exact reason and other pertinent details pertaining to loss.","For all International trips, Boarding Pass, tickets, Copy of Passport, visa with entry and exit stamp shall be a mandatory claim document.","documents required for the respective cover"],"display":"Claim form, passport/visa with entry and exit stamp for international travel, PAN and Aadhaar, cover letter, boarding pass and tickets for international trips, and cover-specific documents","note":"Each cover also lists its own documents, such as medical reports, bills, FIRs, carrier confirmations or property irregularity reports depending on the claim.","quote":"a) Claim Form – completed and signed by the Insured or electronically filled, as per Company’s discretion. ... b) Copy of passport, visa with entry and exit stamp (Only international travel) ... c) PAN Card and Aadhar Card Copy ... d) Cover letter from the insured stating the exact reason and other pertinent details pertaining to loss. ... e) For all International trips, Boarding Pass, tickets, Copy of Passport, visa with entry and exit stamp shall be a mandatory claim document. ... the documents required for the respective cover.","sources":[{"clause":"13(a)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-a-3"},{"clause":"13(b)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-b-2"},{"clause":"13(c)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-c-2"},{"clause":"13(d)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-d"},{"clause":"13(e)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-e"},{"clause":"13(f)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Reimbursement claims are to be settled within 15 days after receipt of the claim with claim form and documents, as per policy terms and conditions. For cashless treatment in an emergency, the insured must request pre-authorisation through the Assistance Service Provider within 24 hours of hospitalisation.","display":"Reimbursement claims: within 15 days after receipt of claim with claim form and documents; cashless pre-authorisation request within 24 hours of hospitalisation","note":null,"quote":"You must request pre-authorisation through our Assistance Service Provider in case of an emergency situation, within 24 hours of Hospitalisation. ... The settlement of reimbursement claims would be done by Us within 15 days from after the receipt of claim along with claim form and documents, as per policy terms and conditions.","sources":[{"clause":"13(c)","heading":null,"page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any claim relating to events occurring before the commencement of the Trip covered hereunder and any time after the completion of the Trip.","A claim which is fraudulent in any respect, or if any false declaration has been made or used in support thereof","Is traveling against the advice of a Medical Practitioner","Any claim arising from any intentional self-Injury, suicide or attempted suicide, intoxication by liquor or drugs.","Any claim arising out of participation in Hazardous/ Adventure Sports activities are excluded from the policy.","Claim under any of the mentioned covers that are results of war and warlike occurrence or invasion","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel","Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons","claims in relation to contingencies occurring after the expiry of 120 days from the date of commencement of cover","Payment of compensation in respect of Illness/ Injury arising or resulting from the Insured committing any breach of law with a criminal intent","Any claim not meeting the deductible amount or time excess","Any Pre-Existing Disease (PED) or any complication arising from it unless in case of Life Threatening Condition"],"display":"Main exclusions include events before/after the trip, fraud or false declaration, travel against medical advice, self-injury/suicide/intoxication, hazardous/adventure sports unless covered, war, nuclear risks, professional sports, immigrant visa claims after 120 days, criminal breach of law, deductible/time excess, and PED except life-threatening emergency measures.","note":"Cover-specific exclusions also apply.","quote":"Any claim relating to events occurring before the commencement of the Trip covered hereunder and any time after the completion of the Trip. ... A claim which is fraudulent in any respect, or if any false declaration has been made or used in support thereof ... Is traveling against the advice of a Medical Practitioner ... Any claim arising from any intentional self-Injury, suicide or attempted suicide, intoxication by liquor or drugs. ... Any claim arising out of participation in Hazardous/ Adventure Sports activities are excluded from the policy. ... Claim under any of the mentioned covers that are results of war and warlike occurrence or invasion ... Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel ... Any claim arising out of sporting activities in so far as they | 2.\ninvolve the training or participation in competitions of\nprofessional or semi-professional sports persons ... claims in | 4.\nrelation to contingencies occurring after the expiry of 120 days from the date of commencement of cover ... Payment of compensation in respect of Illness/ Injury arising or resulting from the Insured committing any breach of law with a criminal intent ... Any claim not meeting the deductible amount or time excess ... Any Pre-Existing Disease (PED) or any complication arising from it unless in case of Life Threatening Condition","sources":[{"clause":null,"heading":"GENERAL EXCLUSIONS (APPLICABLE TO ALL COVERS","page":59,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-general-exclusions-applicable-to-all-covers"},{"clause":null,"heading":"GENERAL CONDITIONS (APPLICABLE TO ALL COVERS","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-general-conditions-applicable-to-all-covers"},{"clause":"11","heading":"In case of an International/Overseas policy, if the Insured","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-11-2"},{"clause":"12","heading":"Payment of compensation in respect of Illness/ Injury arising or","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-12-2"},{"clause":"13","heading":"Any claim not meeting the deductible amount or time excess","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-2"},{"clause":"2(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-e"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, contact ICICI Lombard through its website, toll-free number, email or listed Mumbai address, or approach the grievance cell at any branch. If not satisfied, contact the grievance officer using the stated link, then IRDAI through Bima Bharosa or IGCC, and finally the Insurance Ombudsman subject to jurisdiction.","display":"Company website/toll free/email/address or branch grievance cell first; then grievance officer; then IRDAI/Bima Bharosa/IGCC; then Insurance Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com ... The lnsured person may also approach the grievance cell at any of the company’s branches with the details of grievance. ... lf the lnsured person is not satisfied with the redressal of grievance ,insured person may contact the grievance officer ... the insured person may also approach Insurance Regulatory and Development Authority (IRDA) through the Bima Bharosa Portal - https://bimabharosa. irdai.gov.in/ or IRDA Grievance Call Centre(IGCC) at their toll free no. 1800 4254 732 / 155255 Insured may also approach Insurance Ombudsman","sources":[{"clause":"26","heading":"Grievances","page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-26"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time during the term by giving 7 days’ written notice. For policy terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made; no refund is made where any claim is admitted or lodged or any benefit has been availed, and no refund is made for cancellation on misrepresentation, non-disclosure of material facts or established fraud.","display":"7 days’ written notice; proportionate refund for unexpired period if term up to 1 year and no claim; no refund if claim admitted/lodged/benefit availed or fraud/non-disclosure","note":null,"quote":"The insured may cancel the policy at any time during the term, by giving 7 days notice in writing. The Insurer shall ... a) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... There would be no refund of premium on cancellation on grounds of mis-representation, non- disclosure of material facts or established fraud ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"13","heading":"Any claim not meeting the deductible amount or time excess","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-2"},{"clause":"13(a)","heading":null,"page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-a"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-icici-lombard-general-insurance-company-limited-50"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Domestic travel coverage is for domestic trips within India. International/Overseas insurance applies to countries within the Geographical Scope stated in the Policy Schedule, except the country where the insured has a permanent place of residence.","display":"Domestic trips within India; overseas countries within the Geographical Scope in the schedule except the insured’s permanent residence country","note":"The exact overseas countries depend on the Geographical Scope in the policy schedule.","quote":"The Company shall provide coverage for domestic trips within India for policy duration as defined in Policy Schedule. ... The International/Overseas insurance cover applies to all countries that come under the Geographical Scope stated in the Policy Schedule, except the country, where the Insured has a permanent place of residence.","sources":[{"clause":"Part II","heading":"DOMESTIC TRAVEL INSURANCE","page":49,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-part-ii-3"},{"clause":"13(c)","heading":null,"page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-c-4"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing disease and complications are excluded unless there is a Life Threatening Condition. In that case, the insurer’s maximum liability is restricted to the sum insured and emergency measures are paid only until the insured becomes medically stable or is relieved from acute pain.","display":"PED excluded except Life Threatening Condition; paid only until medically stable or relieved from acute pain, up to the scheduled Sum Insured","note":"The exclusion text says this is except for Extension 1.a: Outpatient Treatment for Illness and Injury.","quote":"Any Pre-Existing Disease (PED) or any complication arising from it unless in case of Life Threatening Condition (Our maximum liability even in case of Life Threatening Conditions would remain restricted to the Sum Insured as mentioned in the Policy Schedule). The treatment for these emergency measures would be paid till the time You become medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would be borne by You.","sources":[{"clause":"2(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-e"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip cancellation indemnifies financial loss before departure from listed unexpected events such as sickness or injury making the insured unfit to travel, personal contingencies, natural calamities, terrorism within 15 days before departure, and passport loss for international travel; it pays non-recoverable advance travel payments and official cancellation charges/non-refundable travel ticket amounts. Trip interruption or curtailment reimburses non-refundable cancelled travel costs, additional common-carrier travel costs and overseas hotel accommodation expenses when the trip is shortened or the insured must remain overseas due to listed circumstances.","display":"Trip cancellation pays non-recoverable advance travel payments and official cancellation charges for listed unexpected events; trip interruption/curtailment reimburses non-refundable cancelled travel, additional travel and hotel accommodation expenses up to scheduled SI","note":"Subject to the sum insured, deductible and exclusions in the policy schedule and wording.","quote":"The Company shall indemnify the Insured for the financial loss incurred by the insured arising out of cancellation of the trip following unexpected events, upto before the departure of the Trip solely attributable to and/or arising out of: ... i) Sickness or injury which requires medical attention/ consultation and the insured is advised in writing by treating medical practitioner as unfit for travel. ... iv) A Terrorism / Terrorist attack which occurs in your place of residence or your departure city, or in a city which is a scheduled destination for your Covered Trip provided that the act of Terrorism occurs within 15 days prior to your departure ; ... The payments made for travel in advance by You which are non\nrecoverable after initiation of cancellation of the same. ... Official cancellation charges/ non-refundable amount ... We will reimburse upto the SI limits as specified in Part I of the Policy Schedule for: ... Non-refundable expenses for air, land or sea travel through a common carrier/ Public Carrier for the cancelled part of the trip ... Any additional costs/expenses on account of air (economy class fares unless specifically mentioned by the treating doctor only), land or sea travel through a common carrier/ Public Carrier ... Hotel accommodation expenses","sources":[{"clause":"Section 4","heading":"Travel Delay, Cancellation & Curtailment COVER 17: TRIP CANCELLATION","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-section-4"},{"clause":"Section 4(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-section-4-i"},{"clause":"Section 4(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-section-4-iv"},{"clause":"1","heading":"The payments made for travel in advance by You which are non","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-1-6"},{"clause":"2","heading":"Official cancellation charges/ non-refundable amount","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-5"},{"clause":"2(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-b-9"},{"clause":"2(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-a-10"},{"clause":"2(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-b-10"},{"clause":"2(c)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-2-c-7"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Loss of checked-in baggage pays a pro-rated sum insured for pieces of checked-in baggage permanently lost while in the custody of the common carrier or public carrier. Delay of checked-in baggage pays the amount in the policy schedule as a fixed allowance if receipt is delayed for more than six consecutive hours or the minimum deductible time in the schedule.","display":"Checked-in baggage loss: pro-rated payout for permanently lost pieces; delay: fixed allowance after more than six(6) consecutive hours or scheduled deductible time","note":null,"quote":"If the Checked-In Baggage of the Insured is permanently lost whilst in custody of the Common Carrier/ Public Carrier in relation to Trip covered, we will pay the Insured a pro-rated sum insured as specified in Part I of the Policy Schedule, for pieces of baggage lost. ... The Company shall pay to the Insured, the amount as specified against this cover in Part I of the Policy Schedule as a fixed allowance in case the Insured shall encounter a delay in receipt of his/ her Checked-In Baggage due to any reason, at the instance of the common carrier/ Public Carrier including misdirection and mislaying for more than six(6) consecutive hours or beyond the minimum time as mentioned against the cover as Deductible in Part I of the Policy Schedule","sources":[{"clause":"Section 3","heading":"BAGGAGE & PERSONAL EFFECTS COVER 11 : LOSS OF CHECKED-IN BAGGAGE","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-section-3"},{"clause":null,"heading":"COVER 13 : DELAY OF CHECKED-IN BAGGAGE","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-cover-13-delay-of-checked-in-baggage"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"If the insured loses or damages the original passport or international driving license overseas due to robbery, burglary, theft or natural disasters during the trip, the company pays a fixed benefit amount as mentioned in Part I of the Policy Schedule, limited to the scheduled sum insured and one incident during the period of insurance.","display":"Fixed benefit for original passport or international driving license lost/damaged overseas due to robbery, burglary, theft or natural disasters, limited to one incident","note":null,"quote":"In the event the Insured loses or damages his/her original passport or international driving license overseas due to robbery, burglary, theft or natural disasters during the Trip covered under the Policy, the Company shall pay to the insured a fixed benefit amount as mentioned in Part I of the Policy Schedule The Company’s liability under this cover in relation to the loss shall be limited to the Sum Insured specified in Part I of the Policy Schedule. In event of more than one incident of loss during the period of Insurance, the Company’s liability shall be limited to only one such incident of loss.","sources":[{"clause":null,"heading":"COVER 16 : LOSS OF PASSPORT AND INTERNATIONAL DRIVING LICENSE","page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-cover-16-loss-of-passport-and-international-driv"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":"The wording says deductibles are as indicated against each section or cover in Part I of the Policy Schedule and applied separately for each claim, but no product-wide amount is printed.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"For International Multi Trip Max, one single trip during a 1-year policy can be capped at 15, 30, 45, 60, 90 or 120 days. For International Multi Trip Total, total travel days during the 1-year policy can be 10, 15, 30, 45, 60, 90, 120, 150 or 180 days. For Domestic Annual Multi trip, each trip must not exceed 30 days; single/round trip maximum is stated in the schedule, with extension not exceeding 182 days.","display":"International Multi Trip Max: up to 120 days per trip; International Multi Trip Total: up to 180 total travel days in 1 year; Domestic Annual Multi trip: trips not exceeding 30days each; single/round extension not exceeding 182 days","note":"The maximum initial single-trip or round-trip duration is stated in the policy schedule.","quote":"There is a capping on maximum duration of one trip, i.e. 15, 30, 45, 60, 90 and 120 days. ... Under this option, the insured can choose the total number of travel days that insured will be covered during a trip while insured can travel any number of times during the policy period. The plan can constitute total number of travel days as 10, 15, 30, 45, 60, 90, 120, 150 and 180 days ... “Annual Multi trip Insurance” For Domestic Travel, means a Trip or Trips of not exceeding 30days duration each ... the period of extension shall in no case exceed 182 days","sources":[{"clause":"1(e)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-1-e-iii"},{"clause":null,"heading":"Toll free No.","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-toll-free-no-7"},{"clause":null,"heading":"“Annual Multi trip Insurance”","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-annual-multi-trip-insurance"},{"clause":"13","heading":"Any claim not meeting the deductible amount or time excess","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-13-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The clause excludes policies with tenure of less than a year.","quote":"Every insured of new individual health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document","sources":[{"clause":"20","heading":"Free Look Period","page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494#c-20-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"TripSecure+_Policy Wordings_ICITIOP27060V032627","pages":69,"fetched_at":"2026-10-20 02:42:13+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/policy-wordings_tripsecure-_website.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20494"},{"kind":"prospectus","label":"TripSecure+_Prospectus_ ICITIOP27060V032627","pages":26,"fetched_at":"2026-10-20 02:27:45+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/20240918002-sales-literature-prospectus-tripsecure-policy-wording-(2)-(1).pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20264"},{"kind":"prospectus","label":"TripSecure+_Prospectus _ICITIOP27060V032627","pages":26,"fetched_at":"2026-10-20 03:15:14+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-prospectus-tripsecure-2.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/21397"},{"kind":"cis","label":"TripSecure+_ International_CIS_ICITIOP27060V032627","pages":43,"fetched_at":"2026-10-20 03:01:21+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/cis-of-tripsecure-plus---international--final.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20984"},{"kind":"cis","label":"TripSecure+_Domestic_CIS_ _ICITIOP27060V032627","pages":21,"fetched_at":"2026-10-20 03:01:27+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/cis-trip-secure--domestic-final8c0007ff45fd68ff8a0df00560593b3e.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/20991"},{"kind":"brochure","label":"TripSecure+ _Brochure_ ICITIOP27060V032627","pages":16,"fetched_at":"2026-10-20 02:06:16+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/tripsecure-brochure_open-file_v3-(1).pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/19967"},{"kind":"proposal","label":"TripSecure+_Proposal Form_ICITIOP27060V032627","pages":null,"fetched_at":"2026-10-20 02:23:43+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/20240924005-tripsecure-proposal-forms--rev-1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/19682"},{"kind":"proposal","label":"TripSecure+_Proposal Form_ ICITIOP27060V032627","pages":null,"fetched_at":"2026-10-20 02:37:26+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/20260912005-tripsecure-proposal-sept2026-forms--(3).pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/19766"},{"kind":"claim-form","label":"TripSecure+ _Overseas Claim_ ICITIOP27060V032627","pages":null,"fetched_at":"2026-10-20 02:33:15+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/tripsecure-claim-form.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/19752"},{"kind":"claim-form","label":"TripSecure+_Domestic Claim Form_ ICITIOP27060V032627","pages":null,"fetched_at":"2026-10-20 02:39:32+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/tripsecure-plus-claim-forms-final.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627/document/19769"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"TripSecure+_Proposal Form_ICITIOP27060V032627 (UIN ICITIOP27060V032627), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/tripsecure-proposal-form-icitiop27060v032627-icitiop27060v032627"}