ICICI Lombard Personal Protect Policy

• Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
• 10,000+ hospitals for cashless treatment
• Claim up to Rs. 55,000 deduction under section 80D**

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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.

Eligibility for ICICI Lombard Personal Protect Policy

In order to avail the ICICI Lombard Personal Protect Policy, customers must meet the following eligibility criteria:

• The age of the insured must be between 18 years and 80 years.
• This policy can be bought for various family members including spouse, children, and dependent parents.
• Lifelong renewability option is available in the absence of a claim.

Features of ICICI Lombard Personal Protect Policy

Some of the key features of ICICI Lombard Personal Protect Policy can be listed as follows:

• This policy is available in multiple sum insured options ranging from Rs.3 lakh to Rs.25 lakh.
• The base cover of this policy costs as lows as Rs.373 (for sum insured Rs.3 lakh).
• This policy is available in 1, 3, and 5 year policy terms.
• Payment for any claim under this personal accident cover will not begin within 7 days of accident.
• This policy also provides coverage for any claims arising out of acts of terrorism within a particular policy period.
• Being a personal accident cover, this policy terminates once a claim is made following accidental death or disability.
• The sum insured amount under this policy can be enhanced at the time of renewal.
• There is a grace period of 30 days available from the date of expiry for renewing this policy.
• There is a free look period of 15 days for customers to review the terms and conditions of this policy.
• The premium amount paid for this policy is eligible for tax relief as per section 80D of the Income Tax Act.

Benefits of ICICI Lombard Personal Protect Policy

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.

Exclusions of ICICI Lombard Personal Protect Policy

The following are the exceptions under which ICICI Lombard is not liable to provide any compensation:

• Hospitalisation for illnesses that are not caused by accidents
• Any expenses related to eye treatment, dental treatment, and plastic surgery unless necessitated by an accident
• Intentional self-injuries, attempted suicide, or suicide
• Injuries caused while under the influence of alcohol or drugs
• Any kinds of expenses related to pregnancy and childbirth
• Injuries caused while breaching the law with criminal intent
• Expenses related to nervous, emotional, or mental disorder
• Expenses related to the treatment of venereal diseases, HIV, AIDS, etc.
• Injuries arising out of nuclear, chemical, or biological weapons
• Injuries arising out of participation in adventure sports

Claim Procedure

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:

• Duly filled claim form
• Policy copy
• Police FIR
• Panchnama
• Death certificate or disability certificate
• Medical or hospital report
• Discharge summary
• Examination reports
• Pharmacy bills and prescription
• Any other documents requested by the company

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.