ICICI Lombard Personal Protect Plan

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      ICICI Lombard Personal Protect Plan

      ICICI Lombard Personal Protect is a personal accident insurance policy that covers the insured against accidental death, permanent total or partial disability and temporary total disability. It facilitates hospitalization by providing convalescence benefits, medical benefit extension, hospital daily allowance and double benefits. In case of accidental death of the insured, this health insurance policy supports their family by covering funeral expenses, repatriation charges and carriage of dead body expenses while offering a children’s education grant.

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      ICICI Lombard Personal Protect Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹3 lakh to ₹25 lakh
      Policy Tenure 1 year, 3 years
      Pre-Policy Medical Check-ups Not required

      Benefits of ICICI Lombard Personal Protect Plan

      Check out the ICICI Lombard Personal Protect plan benefits below:

      1. Coverage for Accidental Injuries

        This ICICI Lombard health insurance policy provides coverage for hospitalization expenses resulting from an accident leading to death, permanent total/partial disability or temporary total disability of the insured.

      2. Worldwide Coverage

        The ICICI Lombard General Insurance Company covers the insured against accidental injuries across the globe with this global health insurance policy.

      3. Tax Benefits

        As per Section 80D of the Income Tax Act, people can claim tax deductions on the ICICI Lombard Personal Protect policy premium.

      ICICI Lombard Personal Protect Plan Eligibility Criteria

      Take a look at the eligibility criteria for buying the] ICICI Lombard Personal Protect plan:

      Parameters Eligibility Criteria
      Minimum Entry Age 5 years
      Maximum Entry Age 80 years
      Coverage Type Individual
      Renewability Lifetime

      Inclusions of ICICI Lombard Personal Protect Plan

      The ICICI Lombard Personal Protect plan provides the following coverage:

      • Accidental Death - It pays compensation to the nominee in case the policyholder dies due to an accidental injury.
      • Permanent Total Disablement - It makes a lump sum payment if an accident of the insured leads to permanent total disability.
      • Permanent Partial Disablement - It pays a lump sum amount if the insured suffers from permanent partial disability due to an accident.
      • Temporary Total Disablement - It provides compensation in case the insured suffers from temporary total disability resulting from an accident.
      • Accidental Hospital Confinement Allowance - It pays a fixed amount for each day of hospitalization if the insured is admitted due to an accidental injury.
      • Accidental Hospitalization Expenses Reimbursement - It covers the cost of hospitalization in case the insured is admitted due to an accident.
      • Convalescence Benefit - It pays a lump sum amount in case the insured is hospitalized for more than 10 days due to an accident.
      • Double Benefit - It provides a fixed amount to the policyholder if two or more insured people are hospitalized due to an accident for over 5 days.

      Optional Covers:

      • Carriage of Dead Body - It covers the cost of transporting the dead body of the insured to their place of residence in case of accidental death.
      • Medical Benefits Extension - It pays for the medical expenses incurred on accidental hospitalization leading to death, permanent total disability or permanent partial disability.
      • Hospital Daily Allowance - It provides a daily allowance for each day of hospitalization if an accident of the insured leads to permanent total disability, permanent partial disability or temporary total disability.
      • Permanent Total Disablement Improvement Benefit - It pays an additional amount to the policyholder in case an accident results in permanent total disability.
      • Permanent Partial Disablement Improvement Benefit - It provides an additional amount to the policyholder if an accident leads to permanent partial disability.
      • Children’s Education Grant - It pays a fixed amount in case the insured dies or suffers from permanent total disability due to an accident.
      • Ambulance Charges - It covers the cost of availing ambulance services for transporting the insured to the nearest hospital from the accident site.
      • Funeral Expenses - It pays for the expenses incurred on holding the funeral of the insured in case of accidental death.
      • Repatriation of Remains - It pays for the cost of transporting the mortal remains of the insured back to the city of residence in case of accidental death.

      Exclusions of ICICI Lombard Personal Protect Plan

      The following are excluded under the ICICI Lombard Personal Protect plan:

      • Intentional self-injury, suicide or attempted suicide
      • Usage of intoxicants like drugs and alcohol before accident
      • Dental treatment not related to the accident
      • Eye treatment not related to the accident
      • Accident due to participation in adventure sports
      • Cosmetic and plastic surgery
      • Venereal diseases
      • War or nuclear perils

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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