ICICI Lombard is a general insurance company with a diverse range of insurance products in its lineup. The company’s health insurance covers are designed in such a way that customers have access to comprehensive covers at an affordable price. Personal Protect Policy by ICICI Lombard is a personal accident cover that compensates the nominee following the accidental death or disability of the insured. The financial protection available with this cover can be enhanced further by using some add-on covers for accidental hospitalisation and daily hospital cash allowance.
In order to avail the ICICI Lombard Personal Protect Policy, customers must meet the following eligibility criteria:
Some of the key features of ICICI Lombard Personal Protect Policy can be listed as follows:
|Compensation against accidental death||100% of the sum insured amount in lump sum payment|
|Compensation against loss of both eyes||100% of the sum insured amount in lump sum payment|
|Compensation against loss of two limbs||100% of the sum insured amount in lump sum payment|
|Compensation against loss of one eye or one limb||50% of the sum insured amount in lump sum payment|
|Accidental hospitalisation expenses (optional cover)||Rs.10,000 to Rs.1 lakh based on the sum insured amount chosen|
|Daily cash allowance for accidental hospitalisation (optional cover)||Rs.1,000 per day for a maximum of 30 days (for sum insured Rs.3 lakh and Rs.5 lakh) Rs.2,000 per day for a maximum of 30 days (for sum insured Rs.10 lakh to Rs.25 lakh)|
For accidental hospitalisation benefits, a minimum period of 24 hours of hospitalisation is required. The claim amount for hospitalisation expenses will be paid only on a reimbursement basis. Cashless treatment facility is not available in this cover.
The following are the exceptions under which ICICI Lombard is not liable to provide any compensation:
The claim process under ICICI Lombard Personal Protect Policy is serviced by the customer care department of ICICI. The customer care department can be contacted 24*7, and the claim shall be registered by the customer. The company will require various documents in order to validate and verify the claim. Some of these documents include:
Once these documents are submitted, the company will verify the validity of these documents. The claim amount will be settled to the insured or nominee after the verification process.
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