Network hospitals
7500+
Incurred claim ratio
77.33%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
2.5
Pan India Presence
300+
Network hospitals
7500+
Incurred claim ratio
77.33%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
2.5
Pan India Presence
300+
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.
The table below provides a glance at the eligibility criteria that determine whether a person is eligible to purchase the plan:
3 Lakh
25 Lakh
Minimum: 18 Years
Maximum: 80 Years
1, 3, 5 Years
Read more specifications in the brochure.
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 |
The plan offers various Benefits and has many unique features, which are mentioned below:
The policy has certain exclusions or situations where coverage may not apply, here are the common exclusions :
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.
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
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
Saral Suraksha Plan
A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.
Unique Features
Top-up
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
Covid specific Plan
A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.
Unique Features
Senior Citizens
A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.
Unique Features
Senior Citizen Plan
A comprehensive plan for you and your family covering
Unique Features
Senior Citizen Plan
A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.
Unique Features
The policy does not cover any pre-existing diseases, the plan basically covers injuries.
This term means that the sum insured can increase at policy renewal.
The cancellation process is as follows:
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Anita Sandhu
Goa
March 18, 2024
A user-friendly platform with a lot of useful information with a helpful approach. The team of PolicyX went the extra mile to answer my questions related to ICICI Lombard Health Insurance Polic...
Khushpreet Singh
Bhopal
March 18, 2024
I bought my ICICI Lombard health insurance plan 4 years ago, and every year the team at PolicyX helps me to renew the plan. Thank you PolicyX for taking care like family.
Arjun Palta
Delhi
February 28, 2024
I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...
Vayu Sharma
Gandhinagar
February 26, 2024
The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.
Nipun Singh
Indore
February 26, 2024
I needed to apply for a claim settlement for my ICICI Lombard Health Insurance Policy. PolicyX helped me to get the reimbursement very soon.
aditya
Nagpur
February 17, 2022
I have family insurance plan and my mother and sister hospitalised for covid together. hospital gave me big amount. I used insurance plan to pay the bills.
Kalpana Pushkar
Raipur
February 9, 2022
ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.
Jubin Katyal
Agra
September 8, 2021
Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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