Personal Protect Policy
  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal
Personal Protect Policy
Network hospitals

Network hospitals

10800+

Incurred claim ratio

Incurred claim ratio

98.53%

Sum insured

Sum insured

Up to 2 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.5

Pan India Presence

Pan India Presence

312+

Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member

Personal Protect Policy

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insured and their family from the financial impacts of injuries. The plan covers events like Death, Permanent Total Disablement, Permanent Partial Disablement and Temporary Total Disablement due to accidents during the policy period.

Additionally, the policyholder has the option to include the coverage for daily hospital allowance and protection against terrorism-related incidents. The policy is renewable for life, with flexible tenure options of 1,3, or 5 years, catering to the individuals aged 18-80. This plan helps the insured maintain peace of mind by safeguarding their loved ones against life unexpected events.

Personal Protect Policy Specifications

To understand Personal Protect Policy Insurance in detail, take a look at the below table:

Entry Age

18 to 80 Years

Policy Type

Accident Health Insurance

Sum Insured

3 L | 25 L

Initial Waiting Period*

N/A Days

Renewability

Lifelong

Policy Term

1, 3, 5 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Coverage Table

Policy Coverage SI SI SI SI SI SI
Basic Coverage Option 1 Option 2 Option 3 Option 4 Option 5 Option 6
Accident Resulting In Permanent Total Disablement(PTD) 300,000 500,000 1,000,000 1,500,000 2,000,000 2,000,000
Operational Coverage Policy Year SI Policy Year SI Policy Year SI Policy Year SI Policy Year SI Policy Year SI
Accidental Hospitalization Expenses 10,000 25,000 50,000 100,000 100,000 100,000
Accidental Hospital Daily Allowance 1,000 Per Day 1,000 Per Day 2,000 Per Day 2,000 Per Day 2,000 Per Day 2,000 Per Day

Key Features and Benefits of ICICI Lombard Personal Protect Policy

The plan offers various Benefits and has many unique features, which are mentioned below:

  • Accidental Death Benefit
    In case of the death of the insured due to an accident during the policy period, the nominee will receive the sum insured payout, helping the family during difficult times.
  • Permanent Total Disablement Benefit
    If the policyholder suffers permanent or partial loss of limbs or sight within the policy period, the policy provides compensation to help need the financial challenge of such a life-altering event.
  • Accidental Hospitalization Benefit
    This benefit covers medical expenses incurred during hospitalization resulting from an injury within 7 days of the accident.
  • Hospital Daily Allowance
    The insured has the option to include this benefit, which provides a daily allowance for each day of hospitalisation (up to 30 Days per year) due to an injury within 7 days of the accident. It helps to cover additional expenses during the hospital stay.
  • Refund Grid
    If the policyholder needs to cancel the policy before the renewal, the refund grid ensures a partial premium refund based on the policy that has been in force.
  • Free Look Period
    The insured has 15 days to review the policy terms, and if they disagree with any condition they may withdraw the policy within this period.
  • Flexible Tenure
    The policy has a duration of 1,3, or 5 years, allowing the policyholder to customise the coverage according to their need.
  • Life long Renewal
    The policyholder can renew the policy throughout their life without any age restrictions, ensuring continuous protection against accidents.
  • Terrorism And Acts of Terrorism Coverage
    The plan offers coverage for the claims that have arisen from the act of terrorism, providing peace of mind in uncertain times.

Exclusions of ICICI Lombard Personal Protect Policy

  • Delay In Hospitalization
    Any delay beyond 7 days of the accident may result in claim denials.
  • Non-accident Hospitalisation
    Hospitalization due to illness or medical conditions unrelated to accident is not covered.
  • Specific Medical Treatment
    Dental treatment, plastic surgery, and eye treatment are not covered under this plan.
  • Intentional Self Injury
    The policy excludes the claims related to intentional self-injury, suicide or attempt to suicide.
  • Influnece of Intoxcications
    If the policyholder is under the influence of any intoxicating liquors or drugs at the time of the accident, then the claims are denied.
  • Pregnancy or Childbirth
    Claims related to complications arising due to childbirth or pregnancy are excluded.
  • Venereal or Mental Disorder
    Claims arising due to mental illness or emotional disorders are not covered under this plan.
  • Criminal Activities
    If the policyholders are involved in any breach of law with criminal intent, claims are denied by the company.

ICICI Personal Protect Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under ICICI Personal Protect Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Accident Health Insurance

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal

Personal Protect Policy (Pros)

Personal Protect Policy
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

Personal Protect Policy (Cons)

Personal Protect Policy
  • Illegal activities
  • Adventure sports
  • Obesity

Personal Protect Policy (Other Benefits)

Personal Protect Policy
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance

Personal Protect Policy (Eligibility Criteria)

Personal Protect Policy
  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Senior Citizen Health Insurance

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification

Golden Shield Plan (Pros)

Golden Shield Plan
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization

Golden Shield Plan (Cons)

Golden Shield Plan
  • Maternity cover
  • New born cover
  • Daily hospital cash

Golden Shield Plan (Other Benefits)

Golden Shield Plan
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector

Golden Shield Plan (Eligibility Criteria)

Golden Shield Plan
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Floater benefit
  • Pre-existing diseases after 4 years
  • In-patient AYUSH treatment
  • Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 1 L to 5 L
  • Waiting period- 30 days

Top Up and Super Top Up

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

  • Reset Benefit
  • Top-up Plan
  • Lifetime Renewability

Health Booster (Pros)

Health Booster
  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

Health Booster (Cons)

Health Booster
  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

Health Booster (Other Benefits)

Health Booster
  • Reset benefit
  • Domestic road emergency
  • Pre and post-hospitalisation
  • Donor expenses

Health Booster (Eligibility Criteria)

Health Booster
  • Min entry age: 6 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

  • Up to 1 Crore SI
  • International coverage
  • Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan
  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan
  • Maternity cover
  • OPD not covered
  • Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan
  • Multi-yearPolicy discounts
  • Automatic restoration
  • Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard MaxProtect Plan
  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

  • 360° wellbeing programs
  • High SI options
  • Home healthcare

Health Shield 360 (Pros)

Health Shield 360
  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Health Shield 360 (Cons)

Health Shield 360
  • Illegal activites
  • Adventure sports
  • Drug abuse

Health Shield 360 (Other Benefits)

Health Shield 360
  • Air ambulance
  • OPD Cover
  • Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Health Shield 360
  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Complete Health Insurance (Pros)

Complete Health Insurance
  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Complete Health Insurance (Cons)

Complete Health Insurance
  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

Complete Health Insurance (Other Benefits)

Complete Health Insurance
  • Cataract
  • Daily hospital cash
  • Organ donor

Complete Health Insurance (Eligibility Criteria)

Complete Health Insurance
  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit

Group Health Insurance (Pros)

Group Health Insurance
  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

Group Health Insurance (Cons)

Group Health Insurance
  • Pre-existing diseases
  • Hazardous or adventure sports

Group Health Insurance (Other Benefits)

Group Health Insurance
  • Cashless benefit
  • Day care treatment
  • Floater benefit

Group Health Insurance (Eligibility Criteria)

Group Health Insurance
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

ICICI Personal Protect Policy: FAQs

1. Does the plan cover Pre-existing Diseases?

The policy does not cover any pre-existing diseases, the plan basically covers injuries.

2. What is Sum Assured Adjustments In ICICI Personal Protect Policy?

This term means that the sum insured can increase at policy renewal.

3. What is the cancellation process of the ICICI Lombard Personal Protect Plan?

The cancellation process is as follows: Notify the company by email or phone. The company will verify the claims and premiums paid or dues. And if there are no dues or issues found they will cancel the policy. The refund is based on the remaining policy period.

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Bindiya Sinha

Written By: Bindiya Sinha

Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.