ICICI Personal Protect Policy

Overview

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 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 individuals aged 18-80. This plan helps the insured maintain peace of mind by safeguarding their loved ones against life's unexpected events.

Coverage Table

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 meet the financial challenges 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 hospitalization (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 renewal, the refund grid ensures a partial premium refund based on the period the policy 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 customize the coverage according to their needs.
• Lifelong 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 claims arising from acts 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 Hospitalization
  Hospitalization due to illness or medical conditions unrelated to an 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 claims related to intentional self-injury, suicide, or attempted suicide.
• Influence of Intoxications
  If the policyholder is under the influence of any intoxicating liquors or drugs at the time of the accident, then 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
  Claims are denied if the policyholder is involved in any breach of law with criminal intent.
• Hospitalization due to war, riot, strike, and nuclear weapons
• AIDS
• Miscarriage and Abortion
• Congenital diseases
• Infertility and In-vitro Fertilization