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Personal Accident Insurance - Introduction
ICICI Lombard Personal Accident Insurance policy covers you not only against Accidental Death and Permanent Total Disablement (PTD), but also against terrorism and acts of terrorism. You can choose from 4 options of Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs or 20 Lakhs with a choice of cover period (annual auto renewal) - 3, 4 or 5 years.
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Policy Details
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| Policy Coverage
Personal Accident policy covers you for
 | Terrorism and Acts of Terrorism: In case of the death of the insured arising out of terrorism or acts of terrorism within the policy period, the nominee (mentioned in the policy) is compensated with the sum Insured. The Company shall also pay compensation against permanent and total loss of limbs, sight etc. (of the insured) arising out of terrorism or acts of terrorism. |
| 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) : Personal Accident pays compensation against the permanent and total loss of limbs, sight etc. due to an accident.
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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%. |
Click here to view our Policy Exclusions.
For more details, kindly refer to the Policy Wordings.
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| Back to top | | | Key Benefits
| Covers claims arising out of Terrorism or acts of Terrorism |
| Covers against Accidental Death or Permanent Total Disablement (PTD) |
| Choose among Sum insured options of Rs. 3, 5, 10 and 20 Lakhs |
| Choice of cover period: 3, 4 or 5 years |
| No health check-up required |
| Easy Claim Process with minimal documentation |
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| Back to top | | | Eligibility
| Age criteria at entry: Minimum 18 years, Maximum 70 years. |
| The applicant can buy the policy for his spouse aged between 18-70 years. |
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| Back to top | | | Need for PA
| India has lost maximum lives due to terrorism after Iraq. Terrorist activities are no longer limited to the sensitive border areas. The recent bomb blasts in Jaipur, Bangalore and Ahemdabad has put the entire nation under threat. Our Personal Accident Cover protects you against terrorism related accidental losses and death. |
| According to a report by IIT Delhi on Traffic Injuries and Fatalities in India, road traffic accidents take a toll of almost 1.2 million people a year and additionally injure or disable between 20 million and 50 million annually |
| Personal Accident Insurance protects the insured against Accidental Death & Permanent Total Disablement (PTD) |
| Protects against terrorism-related accidental losses |
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| Back to top | | | Why buy online
Why buy online at www.icicilombard.com? We give you a few of many reasons why -
| Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 10 working days. |
| 0% EMI option: You can pay online through ICICI Bank, Citibank & HDFC Bank Credit Card at 0% EMI (interest-free EMI).
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
| No Paperwork |
(subject to the discretion of the Bank)
Personal Accident Product Code: Misc 15
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