ICICI Lombard Personal Protect Plan

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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)
Minimum		18
Maximum		80
Maximum Policy Renewal Age (years)		80
Coverage Type		Individual
Policy Term (years)		1/3/5
Sum Insured (Rs)
Maximum		25 lakh
Minimum		3 lakh
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		customersupport@icicilombard.com
Call to		1800 2666
Network Hospitals		Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp

 

	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.

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