ICICI Lombard Personal Protect
Objective
A personal accident policy which aims to cover medical expenses and provide daily cash amount along with basic cover to relieve insured and family members from financial setback.
Our View
The hospitalisation expenses and daily cash benefit is useful only if one lacks an adequate basic health policy. If a person has a satisfactory basic hospitalisation cover, a plain personal accident policy will suffice. Hence, make a need based selection of cover.
Suited for
Personal accident policies are suitable for regular vehicle drivers and those involved in risky jobs.
What does it do?
This is a standalone personal accident policy that will pay in an unfortunate instance of death or permanent total disability caused due to an accident. On paying extra premium, the insurer can also provide for medical expenses and daily cash in case of hospitalisation.
Pros
Additional cover for hospitalisation expenses and daily cash benefit will enhance the cover.
This policy can be bought online.
Cons
It does not cover temporary disablement.
Eligibility
Entry Age (years)
Minimum
18
Maximum
80
Maximum Policy Renewal Age (years)
80
Coverage Type
Individual
Sum Insured (Rs)
Maximum
25 lakh
Minimum
3 lakh
Policy Term (years)
1/3/5
Pre Policy Medical Check Up
Not required
Policy Termination
Either of the policyholder or insurer can terminate the policy by giving a 15 days notoce
Customer Service
Address
ICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.
Mail to
[email protected]
Call to
1800 2666
Network Hospitals
Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp
Additions to the Plan
| Scope Of Cover | |
| Accidental Death | covered |
| Accidental Permanent Total Diability | covered |
| Optional Benefits (require payment of extra premium) | |
| Accidental Hospitalisation Expenses | reimburses as per limits given below:upto Rs 10000 for 3 lakh coverupto Rs 25000 for 5 lakh coverupto Rs 50000 for 10 and 15 lakh upto Rs 1 lakh for 20 and 25 lakh cover |
| Accidental Hospital daily Allowance | covered; pays daily cash upto maximum of 30 days. Rs 1000 per day for sum insured upto 5 lakh and Rs 2000 per day for higher Sum insured |
| Exclusions and Waiting Period | |
| Pre-existing disease | not covered |
| General exclusions | accident caused due to adventourous sporting such as bunjee jumping, biking, etc. |
Cost Details
| Annual Premium Option for basic cover | ||||||
| Policy Term (in years) | Sum Insured (in Rs) | |||||
| 3 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh | |
| 1 | 326 | 543 | 1087 | 1630 | 2173 | 2716 |
| 3 | 904 | 1508 | 3015 | 4523 | 6032 | 7539 |
| 5 | 1385 | 2309 | 4618 | 6926 | 9235 | NA |
| Premiums are exclusive of service tax | ||||||
| Annual Premium Option for basic cover + Accidental Hospitalisation Expenses | ||||||
| Policy Term (in years) | Sum Insured (in Rs) | |||||
| 3 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh | |
| 1 | 514 | 1015 | 1643 | 2186 | 2824 | 3369 |
| 3 | 1485 | 2963 | 4734 | 6242 | 8044 | 9551 |
| 5 | 2373 | 4782 | 7538 | 9848 | 12656 | NA |
| Premiums are exclusive of service tax | ||||||
| Annual Premium Option for basic cover + Accidental Hospital Daily Allowance | ||||||
| Sum Insured (in Rs) | ||||||
| Policy Term (in years) | 3 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh |
| 600.75 | 817.91 | 1635.81 | 2179.6 | 2723.39 | 3266.29 | |
| 3 | 1666.96 | 2270.38 | 4540.76 | 6049.31 | 7556.96 | 9063.72 |
| 5 | 2554.29 | 3477.22 | 6955.32 | 9263.08 | 11572.62 | 13882.16 |
| Premiums are exclusive of service tax | ||||||
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