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The Vital Role of a Health Insurance Plan in Securing Your Future

This blog emphasizes the importance of being prepared for unexpected events with a comprehensive health insurance plan.

  • 11 Mar 2013
  • 3 min read

Arranging for the payment of treatment bills or hospitalisation charges are sure to dent the family finances and cause panic. To ease all these stressful situations, it is wise to buy a personal cover to tackle such unforeseen events.


When selecting a personal cover, care must be taken to ensure that the policy offers coverage for different types of accidents and their subsequent injuries. A careful search of different health insurance plans offers you numerous options to select from and buy the plan that perfectly suits your needs.


The personal protect plan offered by ICICI Lombard may offers sufficient coverage for different type of accidents. Compensation is offered to the insured individual in case of road, rail accidents, accidents due to natural calamities and arising out of terrorism or terrorist acts. The policy can be easily be purchased for any person who is between 18-80 years of age.


For the issuance of this policy, you may not need to undergo any medical check-up. Also the online mode of purchase further hastens the purchase of this policy and within a few clicks, you can ensure yourself against a variety of unforeseen events. Payment for this policy can also be fulfilled in easy installments which further enhances the convenience offered by this personal health insurance policy.


The sum insured of this policy may be easily customised and you can choose a minimum of Rs 3 Lakhs to a maximum of Rs 25 Lakhs sum insured as depends upon the plan opted. Coverage of this health insurance policy includes accidental death due to an accident within the policy period. The death of the insured individual makes the nominee (mentioned in the policy) eligible to receive compensation with the sum insured. This is sure to help the family of the deceased cope with the untimely loss and avert financial crises.

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Permanent total disablement (PTD) includes coverage against permanent and total loss of limbs, sight etc. due to an accident. The plan offers compensation to the injured individual and is sure to offer respite and reduce the stress caused due to medical expenses borne by the insured individual and his family. If these injuries are severe such that it incapacitates the insured person to remain employed, then the complete sum insured is paid.


To further expand the coverage of the health insurance plans, you may include add on covers like accidental hospitalisation expenses and accidental hospital daily allowance.


All these benefits offered by this health insurance plan safeguard your health and also offers compensation for loss or injury due to different mishaps.


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
Toll Free No: 1800 2666
Job Code: EC012416MI

Product Code: Misc. 111

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