ICICI Lombard Personal Protect Plan

ICICI Lombard Personal Protect is a personal accident insurance policy that covers the insured against accidental death, permanent total or partial disability and temporary total disability. It facilitates hospitalization by providing convalescence benefits, medical benefit extension, hospital daily allowance and double benefits. In case of accidental death of the insured, this health insurance policy supports their family by covering funeral expenses, repatriation charges and carriage of dead body expenses while offering a children’s education grant.

Categories	Specifications
Sum Insured	₹3 lakh to ₹25 lakh
Policy Tenure	1 year, 3 years
Pre-Policy Medical Check-ups	Not required

Benefits of ICICI Lombard Personal Protect Plan

Check out the ICICI Lombard Personal Protect plan benefits below:

Coverage for Accidental Injuries

This ICICI Lombard health insurance policy provides coverage for hospitalization expenses resulting from an accident leading to death, permanent total/partial disability or temporary total disability of the insured.
Worldwide Coverage

The ICICI Lombard General Insurance Company covers the insured against accidental injuries across the globe with this global health insurance policy.
Tax Benefits

As per Section 80D of the Income Tax Act, people can claim tax deductions on the ICICI Lombard Personal Protect policy premium.

ICICI Lombard Personal Protect Plan Eligibility Criteria

Take a look at the eligibility criteria for buying the] ICICI Lombard Personal Protect plan:

Parameters	Eligibility Criteria
Minimum Entry Age	5 years
Maximum Entry Age	80 years
Coverage Type	Individual
Renewability	Lifetime

Inclusions of ICICI Lombard Personal Protect Plan

The ICICI Lombard Personal Protect plan provides the following coverage:

Accidental Death - It pays compensation to the nominee in case the policyholder dies due to an accidental injury.
Permanent Total Disablement - It makes a lump sum payment if an accident of the insured leads to permanent total disability.
Permanent Partial Disablement - It pays a lump sum amount if the insured suffers from permanent partial disability due to an accident.
Temporary Total Disablement - It provides compensation in case the insured suffers from temporary total disability resulting from an accident.
Accidental Hospital Confinement Allowance - It pays a fixed amount for each day of hospitalization if the insured is admitted due to an accidental injury.
Accidental Hospitalization Expenses Reimbursement - It covers the cost of hospitalization in case the insured is admitted due to an accident.
Convalescence Benefit - It pays a lump sum amount in case the insured is hospitalized for more than 10 days due to an accident.
Double Benefit - It provides a fixed amount to the policyholder if two or more insured people are hospitalized due to an accident for over 5 days.

Optional Covers:

Carriage of Dead Body - It covers the cost of transporting the dead body of the insured to their place of residence in case of accidental death.
Medical Benefits Extension - It pays for the medical expenses incurred on accidental hospitalization leading to death, permanent total disability or permanent partial disability.
Hospital Daily Allowance - It provides a daily allowance for each day of hospitalization if an accident of the insured leads to permanent total disability, permanent partial disability or temporary total disability.
Permanent Total Disablement Improvement Benefit - It pays an additional amount to the policyholder in case an accident results in permanent total disability.
Permanent Partial Disablement Improvement Benefit - It provides an additional amount to the policyholder if an accident leads to permanent partial disability.
Children’s Education Grant - It pays a fixed amount in case the insured dies or suffers from permanent total disability due to an accident.
Ambulance Charges - It covers the cost of availing ambulance services for transporting the insured to the nearest hospital from the accident site.
Funeral Expenses - It pays for the expenses incurred on holding the funeral of the insured in case of accidental death.
Repatriation of Remains - It pays for the cost of transporting the mortal remains of the insured back to the city of residence in case of accidental death.

Exclusions of ICICI Lombard Personal Protect Plan

The following are excluded under the ICICI Lombard Personal Protect plan:

Intentional self-injury, suicide or attempted suicide
Usage of intoxicants like drugs and alcohol before accident
Dental treatment not related to the accident
Eye treatment not related to the accident
Accident due to participation in adventure sports
Cosmetic and plastic surgery
Venereal diseases
War or nuclear perils

FAQs

Q1. How can I check the ICICI Lombard Personal Protect plan price?

Ans: You can use an ICICI Lombard personal accident policy premium chart to know the cost of buying the Personal Protect policy.
Q2. How can I check the ICICI Lombard Personal Protect policy status?

Ans: You can contact the ICICI Lombard health insurance customer care team or visit the official website of the insurer to find out the status of your policy.
Q3. Is ICICI Lombard Personal Protect cover mandatory?

Ans: No. Buying the ICICI Lombard Personal Protect plan is not mandatory.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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