Total Protect

Lost card liability

1. All PIN based transactions (like ATM, Internet and telephone etc.) are not covered
2. Pre-delivery fraud not covered
3. 2 days (excludes reporting day) pre-reporting and 7 days (excludes reporting day) post reporting claims are covered. 
4. Claim has to be reported by cardholder within 60 days from the date of issue of statement containing the disputed counterfeit transaction. 
5. All Claim documents to be submitted to ICICI Lombard within 30 days from the claim intimation date to ICICI Lombard. 
6. The Lost card liability cover is applicable for primary/ add-on card holders 

Counterfeit card liability

1. Claim has to be reported by cardholder within 60 days from the date of issue of statement containing the disputed counterfeit transaction
2. All Claim documents to be submitted to ICICI Lombard within 30 days from the claim intimation date to ICICI Lombard
3. Losses occurring due to Phishing, Phone Hacking and SIM Cloning are covered under the policy

Online Fraud Protection

1. The policy covers all online fraudulent utilization of Credit Cards using the authorized CVV (Card Verification Value Code) issued to the Cardholder by the Bank 
2. The Company will not make any payment for any claim directly or indirectly arising from, or occasioned by, or due to: 
3. - Loss incurred by the cardholder because of misuse of credit card at any site not having authorized Verisign Security status or any other equivalent security status at any point in time for the entire period of the insurance. 
4. - Any failed/ duplicate/ declined transactions by host website/ authorized bank 
5. - Any errors made by the host Website/ authorized bank. 
6. 3. Internet Banking Frauds is defined as fraudulent transactions being made on the internet by use of lost/stolen cards. 
7. 4. Claim has to be reported by cardholder within 60 days from the date of issue of statement containing the disputed counterfeit transaction. 
8. 5. All Claim documents to be submitted to ICICI Lombard within 30 days from the claim intimation date to ICICI Lombard.

Loss of checked baggage 

1. For International Travel only 
2. Available on baggage checked by international airline for an international flight
   

Delay of checked baggage 

1. For International Travel only 
2. Available on delay of more than 6 hours from scheduled arrival time when baggage checked by international airline
3. Deductible – 6 Hours
   

Loss of passport 

1. For International Travel only 
2. In case of theft, it should be reported to appropriate police authority or through authorized agency such as embassy within 24 hours of discovery. 

Loss of ticket 

1. For International Travel only 
2. Available on baggage checked by international airline for an international flight 

Missed flight connection 

1. For International Travel only 
2. Applicable if there is no international flight in the next 6 hours after late arrival by an international flight on an international airline

Air Accident

1. Cover: Accidental Death due to air accident. 
2. Cover should be applicable only if the ticket is purchased through the covered card.
3. In the event of insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefit (highest sum insured). This point should be read in conjunction with pint number 2.
4. The personal accident cover is applicable only for primary card holders.
5. Cover amount may vary as per credit limit of the covered card