The website is not reliable. This is ICICI's insurance website, from where I purchased my parents' travel insurance when they wanted to come visit me in the US. They said we can renew the policy online at any time until the last date, but when I went on to renew it, the website didn't work for two full days (errors out when I try to extend the policy), with no message whatsoever of a site maintenance or error going on, all the customer representatives were clueless and told me just one thing for two full days "try after half an hour"/"try after two hours" etc. It still doesn't work, and they still don't have any idea. This is a website of one of the big banks of India, and this is their service. Take your travel/medical insurance from some other company.