7 REASONS TO BUY ICICI LOMBARD PERSONAL PROTECT POLICY

 

7 REASONS TO BUY ICICI LOMBARD PERSONAL PROTECT POLICY

When you are not around, your family will still be financially secure

Your Personal Protect policy offers coverage against accidental death

If a permanent disability leaves you stranded, we step up to help

Get coverage against expenses related to permanent total disablement with your Personal Protect policy

Align your premium payments to your financial planning

You can buy your policy online and pay for it in easy installments

Secure yourself without any pre-requisite tests

You can purchase a Personal Protect policy without undergoing any health check-ups

If you are hospitalised due to an accident, your expenses will be covered

Personal Protect gives you the option to get an additional cover and reimbursement for accidental hospitalisation expenses

Adjust your insurance coverage as per your needs and requirements

Avail customised coverage with sum insured options ranging from ` 3 lakhs upto ` 25 lakhsAvail customised coverage with sum insured options ranging from ` 3 lakhs upto ` 25 lakhs

Get a fixed amount for each day that you spend hospitalised on account of an accident

Opt for our additional hospital daily allowance cover

Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident

Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance

Customized coverage that allows you to choose between Rs 3 Lakhs, Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs and Rs 25 Lakhs Sum Insured

The policy covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism/ terrorist acts.

No health check-up required for policy issuance

Worldwide coverage of the policy

Easy Claim Process with minimal documentation

Buy Online and pay in installments.

Accidental Hospitalisation Expenses Reimbursement: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident.

Accidental Hospital Daily Allowance: Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day.

 

UNDERSTAND YOUR PERSONAL PROTECT POLICY COVERAGE

Your policy covers:

Accidental Death*​: In case of death due to an accident, within the policy period, the nominee mentioned in your policy will be compensated with the ​sum insured

Permanent Total Disablement: In case of permanent and total loss of limbs, sight, etc. due to an accident, you will be compensated with the ​sum ​insured

Loss of use/ Actual loss by physical separation of	Percentage of Capital Sum Insured*
Sight of both eyes	100%
Both hands	100%
Both feet	100%
One hand and one foot	100%
One eye and one hand or one foot	100%
*As stated in Part I of the Schedule.

Accidental Hospitalisation Expenses Reimbursement*: You can opt for an additional cover to compensate expenses in case of a minimum 24 hour hospitalisation due to injury, within 7 days of the date of the accident

Accidental Hospital Daily Allowance: We offer an additional cover that gives you a per day allowance for each day of hospitalisation after the insured event, not exceeding 30 days of hospitalisation, with a deductible of 1 day

NOTE:

If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the ​capital ​sum ​insured payable will be 100%.

* Within 12 months from date of accident

Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.

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Your policy does not cover:

 

Claims arising from death, injury or disablement of insured person as a result of:

Intentional self-injury, suicide or attempted suicide

Any injury existing before the policy start date as stated in part I of the schedule to this policy, whether or not if the same has been treated, or for which medical advice, diagnosis, care or treatment has been sought before the commencement of this policy

Whilst under the influence of intoxicating liquor or drugs

Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world

Directly or indirectly caused by venereal disease or insanity

Arising or resulting from the insured committing any breach of the law with criminal intent

War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds

Nuclear weapon induced treatment

Childbirth or pregnancy or in consequence thereof

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Personal Protect Policy
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Check your eligibility for Personal Protect Policy

Any person between 18-65 years of age is eligible for a Personal Protect policy

You can buy the policy for any family member(s) i.e. spouse, children and / or parents

PERSONAL PROTECT INSURANCE POLICY

Life always throws surprises, some sweet and some really bitter, especially if it involves bodily harm, such as an accident. Accident insurance is by far the most crucial insurance policy. It offers monetary support to the insured person in case of a grievous accident. In case of death, monetary support is provided to the kin of the deceased person. Personal accident insurance from ICICI Lombard offers financial support for expenses incurred due to an accident and even takes care of you in the unfortunate event of being permanently disabled due to an accident. The primary advantages of Personal Accident Insurance by ICICI Lombard are as follows:

No prerequisite medical check-ups

Can be purchased individually

Avail customized coverage with Sum Insured options ranging from Rs 3 lakhs up to Rs 25 lakhs

Easy and hassle-free claim process

EXPLORE OUR SIMPLE, HASSLE-FREE CLAIM PROCESS

Simple, hassle-free claims process

In case you need to make a claim, just call our toll free number 1800 2666 or send an email to customersupport@icicilombard.com

Alternatively, you could write to the company at the following address:

Alternatively, you could write to the company at the following address:
Retail Claims,
ICICI Lombard Healthcare,
ICICI Bank Tower, 9th Floor, Plot No. 12, Financial District,
Nanakram Guda, Gachibowli, Hyderabad - 500032,
Andhra Pradesh

Once we receive your claim intimation, our team will guide you on the further steps towards its settlement

You will then be required to submit the necessary information, assistance and proofs in connection with the claim

 

To make your claim settlement process faster and simpler, follow this checklist of documents

Documents required for processing a claim

Claim form duly filled and signed by nominee

Policy copy

Attested / Original FIR

Attested / Original (post-mortem) report

Attested / Original death certificate

Medical / Hospital report

Discharge card

Indemnity cum declaration bond

No Objection Certificate

Any other document as may be required by the company

Documents required for permanent total disablement (PTD) claim arising due to accident

Claim form duly filled and signed by the claimant

Attested copy of FIR

Doctor's certificate of disability

Photograph of the injured reflecting disablement

Original medical bills with prescriptions/treatment papers

Any other document as may be required by the company

Documents required for accidental hospitalisation expenses reimbursement

Policy copy

Claim form duly filled and signed by claimant

FIR and Panchnama wherever applicable (original or certified copies)

Medical and ​investigation report and bills

Discharge ​card

Any other document as may be required by the company