Icici Lombard Personal Protect Policy
vs
Family Floater Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Icici Lombard Personal Protect Policy |
 Family Floater Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Family |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
10800 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Covered |
| Plan Entry Age | 18 to 80 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | N/A | 2,636 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | Accidental Cover | - |
| Plan Sample Premium | N/A | 2,636 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 3, 5 Years | 1,2,3 Years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 98.53 | 90.73 |
| Solvency Ratio | 2.5 | 1.8 |
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.
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