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Most Popular Policies of ICICI Lombard General Insurance

  • ICICI Lombard Car Insurance
    The Car Insurance policy offered at ICICI Lombard is highly sought after among India's car-owners for its beneficial features and unique benefits.
    Key features of car insurance policy
    • Accident coverage available
    • Roadside assistance available
    • Facility of doorstep Surveyor available
    • 8 add-on cover available
    Buy now
  • ICICI Lombard International Travel Insurance
    ICICI Lombard International Travel Insurance covers both medical and non-medical emergencies in foreign countries.The plan is available in three variants; Single Round Trip, Gold Multi Trip and Senior Citizen Policy
    Key features of international travel insurance policy
    • No medical test up to 85 years (Single Round Trip and Senior Citizen policy)
    • No Sub-limit for Schengen Countries (Single Round Trip and Senior Citizen policy)
    • Cashless facility is available worldwide for hospitalization
    • Guaranteed top-notch health care available with UHI
    Buy now
  • ICICI Lombard Critical Care
    Critical Care plan provides financial protection against income loss of policyholders.
    Key features of Critical Care Policy
    • Lump sum financial benefit available when diagnosed with any of 9 listed Critical Illnesses
    • Coverage for Permanent Total Disablement and Accidental Death available
    • Health check up not required
    • waiting period not applicable
    Buy now
  • ICICI Lombard Health Advantage Plus
    The policy covers inpatient and outpatient treatment expenses of policyholders.
    Key features of Health Advantage Plus
    • Pre-existing diseases are covered after 2 years
    • Artificial limbs and pacemaker cost covered
    • Swine Flu / H1N1 influenza treatment expenses are covered
    • OPD expenses include maternity expenses
    Buy now

ICICI Lombard Personal Protect Plan

According to a survey conducted by the WHO, India encounters the highest number of deaths due to road accidents? Yes, in India, people pass away in every 3 minute. The Personal Protect Plan protects you and your family members from bearing the financial consequences caused due to an accident. Unfortunately, if you or any of your family members meet with an accident or become permanently disabled, the policy will compensate you.

How the policy works?

Personal Protect Insurance plan insures you against PTD (Permanent Total Disablement) and accidental death caused due to an accident. The policy also covers you against terrorism as well as the acts or events related to it.

In addition to that, you can also get optional coverage against hospitalization expenses due to accident and daily hospital allowance. As per the policy, the policyholder gets the benefit of customized coverage. This feature allows him or her to make an option between the amount covered by the policy. He or she can choose between Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs and 25 Lakhs.

What are the key benefits?

  • The policy offers coverage against death as well as total disablement due to an event of accident.
  • As an optional coverage, the policy also covers hospitalization expenses and daily hospital charges.
  • One can choose the sum insured as per his or her convenience. The sum insured ranges from Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs, 15 Lakhs, and 20 Lakhs to 25 Lakhs.
  • The policy also covers mishaps occurred due to events and acts of terrorism.
  • Health check-up is not needed for opting for the policy.
  • The policy holder can have the benefit of worldwide coverage.
  • Easy claim procedure without much hassle is one of the biggest benefits.
  • One can buy, renew or file for claim in no time by using the simple and user-friendly IL Insure Mobile App.

The chart given below will help you understand the extent of coverage offered by the ICICI Lombard Personal Protect Plan. Take a look!

Extent of Coverage
Accidental Death Covered
Accidental Permanent Total Disablement Covered
Expenses – Accidental Hospitalization
* Medical expenditures incurred due to hospitalization (for minimum 24 hours), because of an injury, in 7 days from the accident date.
Reimburses according to the limits stated below:
1. Up to Rs. 10000 for sum insured Rs.3 lakhs.
2. Up to Rs. 25000 for sum insured Rs. 5 lakhs.
3. Up to Rs. 50000 for sum insured Rs. 10 Lakhs and 15 Lakhs.
4. Up to Rs. 1 Lakh for sum insured Rs. 20 Lakhs and Rs. 25 Lakhs.
Daily allowance – Accidental Hospital
* Per day hospital allowance to the policyholder during hospitalization after accident, not exceeding more than 30 days, deductible for one day.
Covered
The reimbursements made are as under:
1. Reimburses daily expenses for a maximum period of 30 days.
2. Pays Rs. 1000/day for up to Rs. 5 Lakhs cover.
3. Pays Rs. 2000/day for higher amount of coverage.
Accidents due to Acts of terrorism Covered

In case of Permanent Total Disablement, the once can check out the chart given below:

Usage disability or Physical separation (Actual loss) Percentage if sum insured
Sight of both the eyes 100 %
Both the hands 100 %
Both the feet 100 %
One hand and one foot 100 %
One eye, one hand or one foot 100 %
Sight of one of the eyes 50 %
One of the hands or foot 100 %

Who is eligible to buy this plan?

Any individual between the age of 18 years and 80 years is eligible to buy the same. In case of absence of claim, there is an option of lifelong renewability. The policyholder would be given a time period of 15 days (it is called the Free Look Time) from the date he or she received the policy for the purpose of terms and conditions’ evaluation.

What about the premium rates?

The premium rates entirely depend on the coverage (sum insured) the policyholder has opted for. The best way to calculate the amount of premium is to use the “Premium Calculator”. However, for your reference here are some charts given below:

Annual Premium (Basic coverage)
Policy Term (Years) Sum Insured (Rs)
3 lakhs 5 lakhs 10 lakhs 15 lakhs 20 lakhs 25 lakhs
1 326 543 1087 1630 2173 2716
3 904 1508 3015 4523 6032 7539
5 1385 2309 4618 6926 9235 NA
Annual Premium (Basic coverage + Accidental Hospitalization Expenditures)
Policy Term (Years) Sum Insured (Rs)
3 lakhs 5 lakhs 10 lakhs 15 lakhs 20 lakhs 25 lakhs
1 514 1015 1643 2186 2824 3369
3 1485 2963 4734 6242 8044 9551
5 2373 4782 7538 9848 12656 NA
Annual Premium (Basic coverage +Daily Hospitalization Allowance)
Sum Insured (Rs)
Policy Term (Years) 3 lakhs 5 lakhs 10 lakhs 15 lakhs 20 lakhs 25 lakhs
600.75 817.91 1635.81 2179.6 2723.39 3266.29
3 1666.96 2270.38 4540.76 6049.31 7556.96 9063.72
5 2554.29 3477.22 6955.32 9263.08 11572.62 13882.16

Policy exclusions – areas not covered by the policy

The insurance provider, i.e.,

ICICI Lombard Personal Protect Plan

is not liable for the following:

  • Claims or compensations arising from illness/sickness.
  • Compensation demanded for more than one category (mentioned in the policy coverage section), in regard to the same time of disablement of the policy holder.

Death, injuries or disablement of the policy holder due to the following reasons or events are also not covered:

  • Intentional self-injury, attempt to suicide
  • Alcoholism and drug addiction
  • While engaging in ballooning
  • Due to insanity or any kind of venereal ailment
  • If the policy holder has committed any breach of law with a criminal intention
  • Undergoing any kind of treatment due to the affects nuclear weapon
  • Pregnancy or childbirth.

ICICI Lombard Personal Protect Plan

is one of the best accident policies that regular drivers as well as people involved in dangerous jobs should have. The only disadvantage related to this plan is – it does not cover any kind of temporary disablement.

Expenses

Coverage

Expenses for hospitalization

Expenses of room rent, nursing covered up to Rs. 4000/day

ICU expenses

Covered up to Rs. 6000/day

Maternity expenses

Covered up to 20,000 for normal delivery

Maximum 40,000 for caesarean delivery

New born baby

Expenses maximum 90 days of delivery