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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.


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.


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.

Eligibility
Entry Age (years) 
Minimum18
Maximum80
Maximum Policy Renewal Age (years)80
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum25 lakh
Minimum3 lakh
Policy Term (years)1/3/5
Pre Policy Medical Check UpNot required
Policy TerminationEither of the policyholder or insurer can terminate the policy by giving a 15 days notoce
Customer Service 
AddressICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.
Mail to[email protected]
Call to1800 2666
Network HospitalsHttps://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp
Additions to the Plan
Scope Of Cover
Accidental Deathcovered
Accidental Permanent Total Diabilitycovered
Optional Benefits (require payment of extra premium)
Accidental Hospitalisation Expensesreimburses 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 Allowancecovered; 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 diseasenot covered
General exclusionsaccident caused due to adventourous sporting such as bunjee jumping, biking, etc.
Annual Premium Option for basic cover
Policy Term (in years)Sum Insured (in Rs)
3 lakh5 lakh10 lakh15 lakh20 lakh25 lakh
13265431087163021732716
390415083015452360327539
513852309461869269235NA
Premiums are exclusive of service tax
Annual Premium Option for basic cover + Accidental Hospitalisation Expenses
Policy Term (in years)Sum Insured (in Rs)
3 lakh5 lakh10 lakh15 lakh20 lakh25 lakh
151410151643218628243369
3148529634734624280449551
5237347827538984812656NA
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 lakh5 lakh10 lakh15 lakh20 lakh25 lakh
600.75817.911635.812179.62723.393266.29
31666.962270.384540.766049.317556.969063.72
52554.293477.226955.329263.0811572.6213882.16
Premiums are exclusive of service tax