ICICI Lombard - Personal Protect Plan
General Insurance Company
ICICI Lombard General Insurance Company is a joint venture between ICICI Bank and Fairfax Financial Holdings Limited, a financial services company based in Canada. ICICI Lombard has successfully launched a variety of innovative products using latest technology and managed to stay ahead of its competitors. In 2014, the company received Best Mobile Application award by the Asia Insurance Technology Award.
Toll Free line: 1800-2666
E-mail: customersupport@icicilombard.com
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of ICICI Lombard - Personal Protect Plan
Permanent Total Disability (PTD) - Individual Personal Protect pays a compensation against the permanent and total loss of limbs, sight etc. due to an accident.
Accidental Hospitalisation Expenses: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident
Accidental Hospital Daily Allowance: In case of an accident, a Per day allowance will be paid to Insured person for each day during Hospitalisation, which does not exceeds 30 days of Hospitalisation, with a deductible of 1 day.
World wide coverage in the event of an accident.
Acts of Terrorism is covered under this plan.
Eligibility Criteria for ICICI Lombard - Personal Protect Plan
| Category | Details | ||||
|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 80 Years | ||||
| Renewal Age | Life Long Renewal | ||||
| Sum Insured | Rs. 3 Lacs to Rs. 25 Lacs | ||||
| Policy Tenure | 1 Year, 3 Years and 5 years | ||||
| Family Defination | Individual & Family - Self, Spouse, Dependent Children and Parents | ||||
Product Benefits of ICICI Lombard - Personal Protect Plan
| Product Coverage | Sum Insured | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Basic Coverage | Option 1 | Option 2 | Option 3 | Option 4 | Option 5 | Option 6 | |||
| Accidental Death | ₹ 300,000 | ₹ 500,000 | ₹ 1,000,000 | ₹ 1,500,000 | ₹ 2,000,000 | ₹ 2,500,000 | |||
| Permanent Total Disability | |||||||||
| Optional Coverage | Policy Year Sum Insured | ||||||||
| Accidental Hospitalisation Expenses | ₹ 10,000 | ₹ 25,000 | ₹ 50,000 | ₹ 50,000 | ₹ 100,000 | ₹ 100,000 | |||
| Accidental Hospital Daily Allowance | 1000/day Max 30 days |
1000/day Max 30 days |
2000/day Max 30 days |
2000/day Max 30 days |
2000/day Max 30 days |
2000/day Max 30 days |
|||
| Acts to Terrorism | Covered | ||||||||
Add-ons for ICICI Lombard - Personal Protect Plan
Upon payment of additional premium, the following coverages/extension also can be taken:
- Carriage of dead body Extension
- Medical Benefits Extension
- Hospital Daily Allowance Extension
- Permanent Total Disablement Improvement Extension
- Permanent partial Disablement Improvement Benefit Extension
- Children’s Education Grant Education
- Ambulance Chares Extension
- Repatriation of Remains Extension
- Funeral Expenses Extension
Additional discounts for ICICI Lombard - Personal Protect Plan
Not Available
Exclusion in ICICI Lombard - Personal Protect Plan
The Company shall not be liable under this policy for:
- Compensation / Claim under both Cover 1 and Cover 2 as mentioned above.
- Claims arising from sickness/illness
Death, injury or disablement of Insured Person as a result of
- From intentional self-injury, suicide or attempted suicide
- Whilst under the influence of intoxicating liquor or drugs
- Directly or indirectly caused by venereal disease or insanity
- Arising or resulting from the Insured committing any breach of the law with criminal intent
- Nuclear weapon induced treatment
- Childbirth or pregnancy or in consequence thereof, etc.
Please refer the policy Terms & Conditions for a detailed list of exclusions.
Claim Process for ICICI Lombard - Personal Protect Plan
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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