No matter where in the world you are, stay secured!
Get worldwide coverage against accidental death or permanent total disablement (PTD) due to an accident, with your Personal Protect policy.
7 reasons to buy ICICI Lombard Personal Protect Policy
- Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident
- Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
- Customized 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.
- 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.
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Understand your Personal Protect policy coverage
Your policy covers:
- Accidental Death*: In case of death due to an accident, within the policy period, the nominee mentioned in your policy will be compensated with the sum insured
- Accidental Hospitalisation Expenses Reimbursement*: You can opt for an additional cover to compensate expenses in case of a minimum 24 hour hospitalisation due to injury, within 7 days of the date of the accident
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Your policy does not cover:
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Personal Protect Policy
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Check your eligibility for Personal Protect Policy
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Any person between 18-80 years of age is eligible for a Personal Protect policy
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You can buy the policy for any family member(s) i.e. spouse, children and / or parents
Personal Protect Insurance Policy
Life always throws surprises, some sweet and some really bitter, especially if it involves bodily harm, such as an accident. Accident insurance is by far the most crucial insurance policy. It offers monetary support to the insured person in case of a grievous accident. In case of death, monetary support is provided to the kin of the deceased person. Personal accident insurance from ICICI Lombard offers financial support for expenses incurred due to an accident and even takes care of you in the unfortunate event of being permanently disabled due to an accident. The primary advantages of Personal Accident Insurance by ICICI Lombard are as follows:
- No prerequisite medical check-ups
- Can be purchased individually
- Avail customized coverage with Sum Insured options ranging from Rs 3 lakhs up to Rs 25 lakhs
- Easy and hassle-free claim process
Explore our simple, hassle-free claims process
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Simple, hassle-free claims process
- In case you need to make a claim, just call our toll free number 1800 2666 or send an email to customersupport@icicilombard.com
- Alternatively, you could write to the company at the following address:
Retail Claims,
ICICI Lombard Healthcare,
ICICI Bank Tower, 9th Floor, Plot No. 12, Financial District,
Nanakram Guda, Gachibowli, Hyderabad - 500032,
Andhra Pradesh - Once we receive your claim intimation, our team will guide you on the further steps towards its settlement
- You will then be required to submit the necessary information, assistance and proofs in connection with the claim
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To make your claim settlement process faster and simpler, follow this checklist of documents
Documents required for processing a claim
- Claim form duly filled and signed by nominee
- Policy copy
- Attested / Original FIR
- Attested / Original (post-mortem) report
- Attested / Original death certificate
- Medical / Hospital report
- Discharge card
- Indemnity cum declaration bond
- No Objection Certificate
- Any other document as may be required by the company
Documents required for permanent total disablement (PTD) claim arising due to accident
- Claim form duly filled and signed by the claimant
- Policy copy
- Attested copy of FIR
- Doctor's certificate of disability
- Photograph of the injured reflecting disablement
- Original medical bills with prescriptions/treatment papers
- Any other document as may be required by the company
Documents required for accidental hospitalisation expenses reimbursement
- Policy copy
- Claim form duly filled and signed by claimant
- FIR and Panchnama wherever applicable (original or certified copies)
- Medical and investigation report and bills
- Discharge card
- Any other document as may be required by the company
Get answers to common queries about Personal Protect Policy
What is Personal Protect policy?
ICICI Lombard Personal Protect policy provides your beneficiary with a death benefit in the unfortunate event of your accidental death. 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.
What are the benefits of Personal Protect Policy?
With Personal Protect policy, you can avail the following benefits:
- Cover against Accidental Death or Permanent Total Disablement (PTD) on account of an Accident
- Optional cover against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
- 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
- Easy Claim Process with minimal documentation
- Digitally signed policy available 24X7 online
The Personal Protect plan covers against:
- Death due to an accident
- Permanent Total Disablement (PTD) due to an accident
- Accidental Hospitalisation Expenses
- Accidental Hospital Daily Allowance
Now choose between 6 easy Personal Protect plans to insure your personal safety available in ₹ 3 Lakh, ₹ 5 Lakh, ₹ 10 Lakh, ₹ 15 Lakh, ₹ 20 Lakh and ₹ 25 Lakh cover options.
Can I take cover for my spouse?
Yes, you can buy an additional policy cover for your spouse aged between 18-80 years.
What are your Premium rates?
The premium rates are based on the sum insured opted for, the coverage selected and the tenure of the policy. You can calculate the premium using our calculators.
What are the different modes of payment?
Now you can choose between 5 payment options to pay your premium online:
- Credit Card – Make secure premium payments with your VISA, Master and AMEX card. Avail EMI too. To know more about EMI options Click here
- Net banking - Transfer premium amounts online through ICICI Bank and 9 other select banks
- Bill Pay – Use your ICICI Bank Internet Banking account to pay your insurance premium
- Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
- Cash Card - Use your Done Card to make payment online.
Whom do I have to contact in case of a claim?
In case of a claim, you can call our toll free number at 1800 2666, alternatively mail us at customersupport@icicilombard.com
Which documents are needed to make a claim?
The documents required for processing a claim are as follows:
Accidental Death
- PA Claim form duly filled & signed by the nominee
- Policy Copy
- Death certificate - Notarized/Attested by a gazetted officer
- F.I.R - Notarized/Attested by a gazetted officer
- Police Final charge sheet/Court Final order - Notarized/Attested by a Gazetted Officer - if applicable
- Spot and/or Inquest Panchnama - Notarized/Attested by a gazetted officer
- Post Mortem Report - Notarized/Attested by a gazetted officer
- Viscera Analysis Report/Chemical analysis report/Forensic Science Lab report - If applicable - Notarized/Attested by gazetted officer
- Other Document as per Case details - Copy of Treatment papers; if hospitalized, Website Links/Newspaper cuttings, other references
- If the claim amount is more than ₹ 1 Lakh, AML Documents - Pan Card Copy, Residence Proof, 2 Passport size colour photos of claimant
- Cancelled Cheque with NEFT Mandate form - duly filled in by the claimant and bank
- Any other document as required by the Company or Company's TPA to investigate the claim or our obligation to make payment for it
Permanent Total Disablement (PTD) due to accident
- PA Claim form duly filled & signed by the Insured/Claimant
- Policy Copy
- MLC OR F.I.R.OR PANCHNAMA- Notarised/Attested by a gazetted officer
- Disability Certificate issued by Authorised civil surgeon- Original/Notarised/Attested by a gazetted officer
- Treatment papers, X-rays films/laboratory test reports and other diagnostic reports to support the claim and percentage of disability
- Medical report
- Colour Photograph of the injured reflecting disability
- If the claim amount is more than ₹ 1 Lakh, AML Documents - Pan Card Copy, Residence Proof, 2 Passport size colour photos of claimant
- Other Document as per Case details - Copy of Treatment papers; if hospitalised, Website Links/Newspaper cuttings, other references
- Cancelled Cheque with NEFT Mandate form - duly filled in by the claimant
- Any other document as required by the Company or Company's TPA to investigate the claim or our obligation to make payment for it
Accidental Hospitalisation Reimbursement Expenses
- Policy copy
- Claim form duly filled & signed by the claimant
- F.I.R. and Panchnama wherever applicable (original or certified copies)
- Medical & Investigation report
- Prescriptions
- Medical & Investigation Bills
- Discharge Card
- If claim amount is more than ₹ 1 Lakh, AML Documents - Pan Card Copy, Residence Proof, 2 Passport size colour photos of claimant
- Cancelled Cheque and NEFT Mandate form - duly filled in by the claimant
- Any other document as required by the Company or Company's TPA to investigate the claim or our obligation to make payment for it
Accidental Hospital Daily allowance
- All documents related to Death/PTD/PPD/TTD, as the case may be
- Discharge Card
- If claim amount is more than ₹ 1 Lakh, AML Documents - Pan Card Copy, Residence Proof, 2 Passport size colour photos of claimant
- Cancelled Cheque and NEFT Mandate form - duly filled in by the claimant
- Any other document as required by the Company or Company's TPA to investigate the claim or our obligation to make payment for it
What is the procedure for making a claim?
In case of a claim, please follow the following procedures:
- Log the claim by calling our toll free number at 1800 2666 or email us at customersupport@icicilombard.com
- You may also log a claim by giving immediate notice in writing to the Company Write to the following address to log the claim:
- We will then guide you on the further steps to take.
Individual Personal Accident Claims Manager
Retail Claims,
ICICI Lombard Healthcare,
ICICI Bank Tower, Plot No. 12 Financial District,
Nanakram Guda, Gachibowli, Hyderabad,
Andhra Pradesh, Pin Code: 500032
What is the age limit for taking this policy?
The minimum age for taking this policy is 18 years and maximum is 80 years. There is Lifelong Renewability under the policy in the absence of a claim. You will be given a period of 15 days (Free Look Period) from the date of receipt of the policy to review its terms and conditions.
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Listen to our customers
ICICI Lombard General Insurance Ltd. is one of the largest private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.
ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd assigned by Northbridge Financial Corporation solely for the territory of India. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: L67200MH2000PLC129408.