Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

 

Safeguard your health with a personal care health policy to keep stress at bay

Health complications not only cause panic but at times may also result in loss of finances if treatment requires hospitalisation.

  • 11 Mar 2013
  • 3 min read
  • 65 views

Health complications not only cause panic but at times may also result in loss of finances if treatment requires hospitalization. The large hospitalization bills need to be settled, and your savings at such times can take a major hit. If the lone earning member of the family falls ill, the family is likely to undergo stress, and a sudden rise in expenditure will surely affect savings. All these emergencies can be avoided if you procure a health insurance care policy.

The main advantage offered by health insurance policy in India is the extensive medical coverage. Before you select a particular health insurance plan, it is extremely important to gain adequate information about the extent of coverage offered. You also need to check if the plan allows you to include different add-on covers to further enhance the policy benefits.

Personal Protect plan developed by ICICI Lombard can be easily purchased and offers sufficient coverage for injuries due to different accidents. This policy offers numerous benefits and must be considered to ensure the health of the sole earning-member of the family. Moreover, the policy structure can be easily customised with the inclusion of different add-on covers.

Individuals can select a minimum of Rs 3 Lakhs to a maximum of Rs 25 Lakhs sum insured, according to their requirement and budget constraints. Injuries caused by road, rail accidents, accidents due to natural calamities and arising out of terrorism or terrorist acts are all covered under this policy. This insurance policy offers compensation for medical expenses borne by the insured individual and helps to save sudden loss of finances.

Such a personal care health policy also includes Accidental Death cover in this policy plan. In case the insured individual dies within the policy period, the nominee (mentioned in the policy) is eligible to receive compensation of the sum insured. This compensation is sure to help the family of the deceased cope with the untimely loss and also maintain financial stability.

Also read:

Another noteworthy feature of this policy is the Permanent Total Disablement (PTD) which offers coverage against permanent and total loss of limbs, sight etc. due to an accident. The compensation offered by this insurance plan greatly helps to reduce the financial burden on the family of the injured individual. If the severity of the injuries makes the insured individual incapable of employment, then the complete sum insured is paid to the insured individual.

Purchase of this personal health policy in India can be accomplished with just a few clicks of the mouse, thanks to the online feature. You can opt for the EMI* payment mode to enhance convenience and ensure yourself against a variety of unforeseen events.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. IRDA Reg. No. 115. *EMI facility is offered by ICICI Bank at its sole discretion to its customers and ICICI Lombard General Insurance Company is neither responsible nor liable for this facility.

Toll Free No: 1800 2666

Job Code: EC012415MI

Product Code: Misc.111

  • Looking for tailored advice?

    Schedule a call with our insurance advisors

  • OR
  • Call us:

    1800 2666
Please enter valid name
Please enter a valid mobile number
Please select the Category

Subscribe to our newsletter

Understand insurance better by reading our helpful guides, articles, blogs and other information.

Please enter valid name
Please enter valid Email

Error message here