Personal Protect
ICICI Lombard Personal Protect Insurance policy provides your beneficiary with a death benefit in the unfortunate event of your accidental death and It also provides you with cover against Permanent Total Disablement (PTD) on account of an accident. Optional coverage can also be offered against Accidental Hospitalisation Expenses Reimbursement and Accidental Hospital Daily Allowance.
A) Key Benefits
- Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident
- Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
- Customised coverage that allows you to choose between Rs 3 Lakhs, Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs and Rs 25 Lakhs Sum Insured
- The policy covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism/ terrorist acts.
- No health check-up required for policy issuance
- Worldwide coverage of the policy
- Easy Claim Process with minimal documentation
- Buy Online and pay in installments.*
B) Eligibility and Coverage
What is covered?
- Accidental Death*: In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.
- Permanent Total Disablement (PTD)*: Individual Personal Protect pays compensation against the permanent and total loss of limbs, sight etc. due to an accident.
- Accidental Hospitalisation Expenses Reimbursement*: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident
- Accidental Hospital Daily Allowance: Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day
- Note: If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the Capital Sum Insured payable will be 100%.
*Within 12 months from date of accident
Advertisement
What is not covered?
The Company shall not be liable under this policy for:
- Compensation / Claim under both Cover 1 and Cover 2 as mentioned above.
- Claims arising from sickness/illness
Death, injury or disablement of Insured Person as a result of:
- From intentional self-injury, suicide or attempted suicide
- Any injury existing before the Policy start date as stated in Part I of the Schedule to this Policy, whether or not if the same has been treated, or for which medical advice, diagnosis, care or treatment has been sought before the commencement of this Policy.
- Whilst under the influence of intoxicating liquor or drugs
- Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
- Directly or indirectly caused by venereal disease or insanity
- Arising or resulting from the Insured committing any breach of the law with criminal intent
- War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds
- Nuclear weapon induced treatment
- Childbirth or pregnancy or in consequence thereof
