ICICI Lombard Travel USA Premium vs ICICI Lombard Travel USA Standard
ICICI Lombard Travel USA Premium carries limited PED cover, while ICICI Lombard Travel USA Standard only offers acute-onset PED cover only. For most parents over 60 with even one chronic condition, that single line decides the comparison. Read on for the line-by-line scorecard.
If coverage limit and pre-existing condition cover is what you'd actually claim on, ICICI Lombard Travel USA Premium is the safer pick. ICICI Lombard Travel USA Standard only beats it on typical premium band, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | ICICI Lombard Travel USA Premium | ICICI Lombard Travel USA Standard | Winner |
|---|---|---|---|
| Coverage limit | $500k | $100k | ICICI Lombard Travel USA Premium |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Limited | Acute-onset | ICICI Lombard Travel USA Premium |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Large | ICICI Lombard Travel USA Premium |
| Typical premium band | ~$515 | ~$178 | ICICI Lombard Travel USA Standard |
| Avg claim settlement | 19 days | 22 days | ICICI Lombard Travel USA Premium |
| Age eligibility | 1-80 | 1-70 | ICICI Lombard Travel USA Premium |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $250k | ICICI Lombard Travel USA Premium |
| 24×7 support | Yes | Yes |
Where they're the same
- ICICI Lombard and ICICI Lombard both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both ICICI Lombard and ICICI Lombard keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
PED sublimit lower than US-domiciled plans
Cap may be insufficient for major hospitalization
Other comparisons you might want
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BackToIndia is independent — we don't sell ICICI Lombard Travel USA Premium or ICICI Lombard Travel USA Standard and earn nothing from either ICICI Lombard or ICICI Lombard. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.