ICICI Personal Protect Policy

Accidental Death Benefit
Acts Of Terrorism Cover
Life Long Renewal

Network hospitals

7500+

Incurred claim ratio

77.33%

Sum insured

Up to 1 CR

No. of Plans

Solvency Ratio

2.5

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

7500+

Incurred claim ratio

77.33%

Sum insured

Up to 1 CR

No. of Plans

Solvency Ratio

2.5

Pan India Presence

300+

ICICI Lombard 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.

Eligibility Table

The table below provides a glance at the eligibility criteria that determine whether a person is eligible to purchase the plan:

Minimum Sum Insured

3 Lakh

Maximum Sum Insured

25 Lakh

Entry Age

Minimum: 18 Years
Maximum: 80 Years

Policy Tenure

1, 3, 5 Years

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

The policy has certain exclusions or situations where coverage may not apply, here are the common exclusions :

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.

Let Us Sum It Up

ICICI Lombard's Personal Protect - Individual Accident ensures financial security during ancient, covering accidental death, permanent total disablement, and hospitalization expenses within 7 days of injury. Optional features include daily hospitalization allowance and terrorism coverage. With flexible tenures, lifelong renewability, and a refund grid, it caters to various needs of the policyholders. Do read the policy document carefully to avoid any further issues during claims.

Choose ICICI Lombard Health Insurance Plan for

Explore ICICI Lombard Health Insurance

Explore more plans from ICICI Lombard

ICICI Lombard Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

Standard Health Insurance

ICICI Arogya Sanjeevani Policy

A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.

Unique Features

Cumulative Bonus
Cataract treatment covered
Modern Procedures covered

Arogya Sanjeevani Policy (Pros)

Intensive Cardiac Care Charges
Ambulance charges up to 2000
Cataract treatment
In-patient hospitalization
Uterine Artery Embolization

Arogya Sanjeevani Policy (Cons)

No Eyesight correction expenses
Fertility expenses not covered
Nursing at home not covered
OPD expenses not covered
No Non-allopathic Treatment

Arogya Sanjeevani Policy (Other Benefits)

Floater benefit
Pre-existing diseases after 4 yrs
In-patient AYUSH treatment
Daycare procedures
Pre and post-hospitalisation

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 18 Years
Maximum Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Saral Suraksha Plan

ICICI Lombard Saral Suraksha Bima

A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.

Unique Features

100% Death Benefit
Emergency Care
Cumulative Bonus up to 50 %

Saral Suraksha Bima (Pros)

10% Education Grant
Temp. Total Disablement cover
In-Patient Care
Total Disablement cover
Partial Disablement cover

Saral Suraksha Bima (Cons)

Hazardous sports not covered
No Intentional self-injury cover
Alcoholism not covered
Injury due to violation of the law
Obesity treatment not covered

Saral Suraksha Bima (Other Benefits)

Plastic surgery after accident
Surgical Procedure after accident
50% Cumulative Bonus
All Day Care Treatment
Dental Treatment after accident

Saral Suraksha Bima (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -70 Years
SI - 2 L to 5 L
Waiting Period -30 Days

Top-up

Health Booster(Top UP Plan)

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

Wellness Programs
Critical Illnesses Covered
Lifetime Renewability available

Health Booster (Pros)

No Check-up up to 10 Lakh
Discount of up to 12.5%
Cashless treatment Hospitals
Reimbursement within 14 days
Deductible options (3/4/5 lakhs)

Health Booster (Cons)

No international Coverage
No Alcohol or drug abuse
No Refractive error correction
Dental treatment not covered
No hearing impairment correction

Health Booster (Other Benefits)

Hospital Daily Cash
Convalescence Benefit
Personal Accident Cover
Repatriation of Remains
(TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

Entry Age - 18 Years
No Upper Age Limit
SI - 5 L to 50 L
Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

Flexible Sum Insured
Home-care treatment covered
Treatment for comorbid

Corona Kavach Plan (Pros)

Covid Hospitalization charges
Home Care Treatment Expenses
AYUSH Treatment Covered
Hospital Daily Cash
Flexible Policy Period

Corona Kavach Plan (Cons)

Dietary supplements expenses
Unproven Treatments expenses
Respite care not covered
Investigation Expenses
Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

Inpatient hospitalization
Family Floater Benefit
In-patient treatment
Home care treatment
Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days

Senior Citizens

ICICI Lombard Golden Shield Plan

A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.

Unique Features

Affordable Medical Care
Care Management Program
Reset Benefit

Golden Shield Plan (Pros)

Nursing at home
Free annual health check-ups
Air ambulance coverage
Tele consultations
AYUSH treatments

Golden Shield Plan (Cons)

Voluntary Deductible amount
Expenses Outside India
No Acupressure Treatments
2-Year Waiting Period
Obesity/Weight Control treatment

Golden Shield Plan (Other Benefits)

Pharmacy Cover up to Rs 2,000
Out-patient consultations
Can update a family member
Routine Diagnostics covered
Minor Procedure Covered

Golden Shield Plan (Eligibility Criteria)

Entry Age - 56 Years
Max Age -No Upper age limit
SI - 3 L to 10 L
Waiting Period -24 Months

Senior Citizen Plan

ICICI Lombard Health AdvantEdge

A comprehensive plan for you and your family covering

Unique Features

Swine Flu Treatment Covered
Pre Existing Disease Covered
Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

No health check-ups
Domestic Air Ambulance
24x7 Customer Support
Newborn baby and vaccine cover
Health rewards

Health AdvantEdge (Cons)

No Non-allopathic Treatments
Unproven treatment not covered
HIV/AIDS treatments not covered
3-Year Waiting Period
Obesity treatment not covered

Health AdvantEdge (Other Benefits)

Bariatric surgery cover
Maternity Expenses Covered
Orthopaedic Expenses Covered
Chemotherapy Covered
Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -65 Years
SI - 2 L to 5 L
Waiting Period -30 Days

Senior Citizen Plan

ICICI Lombard Health Shield 360

A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.

Unique Features

Worldwide cover
Daycare Procedures Covered
OPD cover

Health Shield 360 (Pros)

Wellness Benefits
Pre Hospitalization Cover
Post Hospitalization Cover
Compassionate Visit
No-claim Bonus

Health Shield 360 (Cons)

Obesity/ weight control
Change of gender treatments
Cosmetic or plastic surgery
Hazardous or adventure sports
Breach of law

Health Shield 360 (Other Benefits)

Automatic Restoration
Organ Donor cover
Reset Benefits
Additional sum insured option
Air Ambulance

Health Shield 360 (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 75 Years
SI - 75 L - 1 Crore
Waiting Period - 30 Days