ICICI Personal Protect Policy
  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal
ICICI Lombard Health Insurance

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Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


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

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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.

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

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


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

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

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

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

ICICI Lombard 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.

Health Insurance Companies

ICICI Lombard Health Insurance Reviews

For a better insight into the company, do not forget to go through the ICICI Lombard Health Insurance Reviews.

Customer Review Image

Anita Sandhu


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...

Customer Review Image

Khushpreet Singh


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.

Customer Review Image

Arjun Palta


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...

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Vayu Sharma


February 26, 2024

The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.

Customer Review Image

Nipun Singh


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.

Customer Review Image



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.

Customer Review Image

Kalpana Pushkar


February 9, 2022

ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.

Customer Review Image

Jubin Katyal


September 8, 2021

Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side

View All ICICI Lombard Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

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.