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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 insurance policy.

7 reasons to buy ICICI Lombard Personal Protect Insurance

  • member

    When you are not around, your family will still be financially secure

    member

    Your Personal Protect policy offers coverage against accidental death

  • member

    If a permanent disability leaves you stranded, we step up to help

    member

    Get coverage against expenses related to permanent total disablement with your Personal Protect policy

  • member

    Align your premium payments to your financial planning

    member

    You can buy your policy online and pay for it in easy installments

  • member

    Secure yourself without any pre-requisite tests

    member

    You can purchase a Personal Protect policy without undergoing any health check-ups

  • member

    If you are hospitalised due to an accident, your expenses will be covered

    member

    Personal Protect gives you the option to get an additional cover and reimbursement for accidental hospitalisation expenses

  • member

    Adjust your insurance coverage as per your needs and requirements

    member

    Avail customised coverage with sum insured options ranging from ` 3 lakhs upto ` 25 lakhs

  • member

    Get a fixed amount for each day that you spend hospitalised on account of an accident

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    Opt for our additional hospital daily allowance cover

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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
  • Permanent Total Disablement: In case of permanent and total loss of limbs, sight, etc. due to an accident, you will be compensated with the ​sum ​insured
    Loss of use/ Actual loss by physical separation of Percentage of Capital Sum Insured*
    Sight of both eyes 100%
    Both hands 100%
    Both feet 100%
    One hand and one foot 100%
    One eye and one hand or one foot 100%
    *As stated in Part I of the Schedule.
  • Accidental Hospital Daily Allowance: We offer an additional cover that gives you a per day allowance for each day of hospitalisation after the insured event, not exceeding 30 days of hospitalisation, with a deductible of 1 day

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%.

* Within 12 months from date of accident

Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.

Your policy does not cover:

Check your eligibility for Personal Protect

  • Any person between 18-80 years of age is eligible for a Personal Protect policy
  • You can buy the policy for any family member(s) i.e. spouse, children and / or parents

Explore our simple, hassle-free claims process

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

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

  • GENERAL
  • COVER
  • PREMIUM
  • CLAIMS
  • POLICY
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What is Personal Protect Insurance?

ICICI Lombard Personal Protect Insurance 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.

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What are the benefits of Personal Protect Insurance policy?

With Personal Protect Insurance, 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

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What covers does the Personal Protect Insurance offer?

The Personal Protect plan covers against:
  • Death due to an accident
  • Permanent Total Disablement (PTD) due to an accident
Optional cover:
  • 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.

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Can I take cover for my spouse?

Yes, you can buy an additional policy cover for your spouse aged between 18-80 years.

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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.

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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.

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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

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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:
    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
  • We will then guide you on the further steps to take.

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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

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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.

Review and Rating

100 reviews

Write a review
  1. CHIRALA MADHUSUDANA RAO | Aug 20, 2016
    4
    All my queries and doubts were cleared by them in a very patient way. Appreciate all this.
  2. Saminder Rait | Apr 15, 2016
    4
    Your team is well versed with the product and explained well through the process. Happy with the service.
  3. Robert D. | Apr 15, 2016
    4
    Nice talking to the team at ICICI Lombard, they gave all the information which was required by me and were also very clear in explaining the product as per my need.
  4. Dinesh Totawad | Apr 13, 2016
    4
    Had a word with your team. They gave us detailed information and assisted us in buying the policy. Thank you for your service.
  5. Anil Kumar | Apr 13, 2016
    4
    Your team has made me aware of a personal accident policy and helped me to take good policy. Thanks to them
  6. Manjunath Pillay | Apr 10, 2016
    4
    Hi, The feedback on the policies given by your team is great. All my queries and doubts were cleared by them in a very patient way. Appreciate all this.
  7. Govindu Kanike | Apr 10, 2016
    4
    I spoke to the team. I really liked their patience in providing details of the policy about personal protect insurance. I understood the details and will get back in a week.
  8. Alok Tripathi | Apr 09, 2016
    4
    The way your team assisted to complete the transaction was very satisfactory. All details were described thoroughly before proceeding to transaction. The quality of service was up to the mark and I would like to rate it 9 out of 10. Good job!!
  9. Uma Sankar Gadwala | Apr 09, 2016
    4
    Your employee explained in a detailed manner and impressed a lot. Even though I had a strictly satisfactory experience with ICICI Lombard, still the way she explained everything is the reason to take the policy.
  10. Uma Dhuria | Apr 08, 2016
    4
    Spoke to your team who gave me very good information and clarified all my doubts about personal accident insurance as well as health insurance policy. Thanks.
  11. Utsav Sharma | Apr 02, 2016
    5
    As a new customer it was really a great help from your team. Nice policy provided for protecting my near and dear onces. Really appreaciate their help and follow ups for booking this policy.
  12. Akshey Marwaha | Mar 28, 2016
    4
    Received call from your team and they briefed me about the salient features of health policy that I purchased yesterday and advised me to take personal protection policy also. They very well explained the policy concepts and I am quite satisfied.
  13. Manish Thummar | Mar 20, 2016
    3
    You have dispatched my Personal Protect Policy a few days back by Shree Nandan Courier vide ref. No.1065200697508. Till date I have not received the same. Please do needful and make sure I get it immediately. Thanks.
  14. Ishteyaq Ahmad | Mar 15, 2016
    5
    Your team explained the personal accident policy very well. I did not know about such a plan and I really appreciate their guidance and it is because of them that I took the policy. I will suggest all my friends to take such a policy from ICICI Lombard. Excellent, outstanding and mind blowing product knowledge.
  15. Sudhanshu Handa | Mar 08, 2016
    4
    The customer care executive has done the insurance very carefully and she was very helpful during the entire process.
  16. Aditi Padhye | Mar 05, 2016
    4
    The team was very helpful in explaining about product and answering my queries. I will like to rate them 5 out of 5.
  17. Jagadeesh Natarajan | Mar 01, 2016
    4
    The team has given good explanation about personal accident insurance. I am planning to purchase the product in March 2016. Thank you.
  18. Arpit Rajain | Feb 28, 2016
    4
    Was on a phone call with your team for renewal of my personal accident policy. They were were very courteous and helpful.
  19. Gurmeet Singh | Feb 23, 2016
    4
    The team has good knowledge of the product and is well aware of their roles and expectations. They helped in clearing several doubts very patiently. All the best to them for their careers.
  20. Debankur Bandyopadhyay | Feb 20, 2016
    5
    Hello, I wanted to place a note of appreciation for your customer care team for their very helpful, effective and customer friendly approach to address my area of issue/concern. Instead of giving me a yes/no answer, they were actually trying and working to help me, for which I express my thanks and appreciation.
  21. Dineshkumar Thirugnanam | Feb 16, 2016
    4
    I was made to wait in the line for more than 15 mins before a representative picks up the call. He took the call and did my work easily, he also explained the benefits of this product and allowed me to take my time to make the decision of buying it. He has not urged me at any point of time when I was in search of my card to make the payment. Cheers!!! Great help in quick time.
  22. Om Khullar | Feb 15, 2016
    4
    The team was very nice to provide necessary information for the accident insurance policy. While I wanted a policy for one or three years, the team suggested to take a policy for 5 years for a coverage of Rs 5 lakhs and that too with a couple of add ons. This proved cost effective and beneficial for me. ICICI Lombard is doing good business due to such a caring team.
  23. Nagesh Babu Uppala | Feb 10, 2016
    5
    Good service. The team has given the entire details of my accident insurance and helped me immensely in getting the policy done online.
  24. Surendra Nath Goswami | Feb 07, 2016
    4
    I got good support on telephone from your executive for buying an accident policy for myself.
  25. Victor Lawrence Noronha | Feb 03, 2016
    4
    Good, I got a personal accident insurance policy instantly by logging on to the website. Thanks
  26. Sureshbabu Balusupati | Feb 01, 2016
    4
    I am yet to receive my accident insurance policy which I booked online. Please send it asap.
  27. Sanjoy Bhattacharya | Jan 28, 2016
    5
    Dear Team, Yesterday I purchased an accidental insurance policy online. It was very easy to fill in the form, review details and proceed with the payment using net banking. The entire process took just 10 minutes. My personal thanks to ICICI Lombard for such an easy process.
  28. Krishnan Rammurti Aiyar | Jan 24, 2016
    4
    Good experience in renewal of my policy with your team. Thanks.
  29. Anil Acharya K. K. | Jan 20, 2016
    5
    The interaction about product knowledge and method to convince by the team was great. The suggestion from personal side would be to reduce the rate of speech while informing us about the details of policies. Thank you. All the very best.
  30. Ratan Pooviah | Jan 15, 2016
    5
    The team was most helpful in helping me renew my two policies. They were very prompt and quick in identifying the error commited earlier and did an amazing job of putting this in correct perspective for me. We wish them all the best and a wonderful career ahead.
  31. Kaushal Bhatt | Jan 11, 2016
    5
    The team provided excellent product briefing and explanation of the product to customer. The manner of communication was excellent. I appreciated their service and co-operation provided for international travel and personal accident insurance policies.
  32. Ravi Shankar | Jan 01, 2016
    5
    I was not able to do a online renewal transaction for my wife. I called the toll free number and customer service team has given valuable support and I have taken 2 accidental policies for me and my wife. Thanks a ton to the team.
  33. A. Duraisami | Dec 28, 2015
    4
    Approach from the team is very nice and systematic. They advised me correctly on how to go about buying a personal accidental policy for me and my spouse. I am very happy. Thanks to the team.
  34. Ajita Kumar Panigrahy | Dec 20, 2015
    4
    The team convinced me to take a personal accident insurance plan. They made me aware of the benefits of the plan. They were well trained. Thanks to the management for support. Keep it up team!!
  35. Chandil Kumar R. | Dec 15, 2015
    5
    Good morning, your team had given a wonderful detailed information about two wheeler product and personal accident product. I was convinced with the information and opted for personal accidental policy. Their knowledge and patience is highly rewarded.
  36. Kamlesh Kumar Mandal | Dec 13, 2015
    4
    I am very happy and satisfied with your product. I think you should make it compulsory for people to buy a personal accident policy along with a motor insurance policy. It is much needed considering the reckless drivers we have on our roads.
  37. Santi Devi Yadav | Dec 10, 2015
    4
    I am interested more about ICICI Lombard personal protect plans. Please send more details.
  38. Chintamani Bapat | Dec 08, 2015
    4
    The team was very helpful. I purchased a policy for three family members. It will be of great help if policy details can be viewed before making a payment. I had to request endorsement for nominee relationship change from spouse to mother in case of my daughter's policy.
  39. Ruveda Suwadhi | Dec 06, 2015
    4
    The team interacting with me for my personal accident policy was kind and polite. They explained all details and were there with me till I was satisfied.
  40. Aditya Rao | Dec 02, 2015
    4
    Very nice experience, easy and convenient. I was well guided by your team. The entire buying process on the website was easy and quick.
  41. Prashant Banerjee | Dec 01, 2015
    5
    I would like to thank your team for their excellent customer service on the phone today, in order to help me renew my personal protect policy. Due to their helpful behaviour and patience in explaining all options for my policy renewal, I was able to renew my policy on the phone. Please use this team's example for all customer related interactions, at all levels in your organisation.
  42. Rajeet Mathu | Nov 30, 2015
    5
    Hi, Would like to thank the excellent service provided by ICICI Lombard team. It made my activities very simple. They had excellent product knowledge which helped in me closing my policy with utmost ease. Would surely recommend ICICI Lombard to my friends and colleagues.
  43. Satish Kale | Nov 30, 2015
    5
    The team was very considerate and patient. They were successful in helping me to my satisfaction. Infact I bought a Rs. 10 Lacs policy as against Rs. 5 Lacs earlier. Thanks.
  44. Srihari Patnaik | Nov 30, 2015
    3
    Pradhan Mantri Suraksha Bima Yojana (PMSBY) - Dear Sir/Madam, I am not getting my certificate on the website. My PMSBY account number is 000401508104. Kindly do the needful.
  45. Akash Bhoyar | Nov 26, 2015
    5
    It was nice talking to your team. Thanks for the service rendered. Hope the same will be continued in future.
  46. Mohit Jain | Nov 17, 2015
    4
    Good experience with ICICI Lombard team while I was buying a personal accident policy for myself.
  47. Sujay Kumar | Nov 06, 2015
    4
    Satisfied with the services provided for renewal of my policy.
  48. Ajay Singhania | Nov 05, 2015
    5
    The ICICI Lombard officer was extremly helpful and very co-operative. Such employees are asset to company, try to retain and groom more staff accordingly.
  49. Ramchandra Navad | Nov 05, 2015
    3
    I recently renewed Personal Protect Insurance and received the hard copy of the policy. I am trying to attach the details of this policy to my login id on your site but it is showing error as policy not found. Please help.
  50. Albert Laffrey | Nov 04, 2015
    3
    I purchased a personal protect policy. Received the hard copy a bit late. Kindly improve this aspect of your service.
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    “Your service support and network is very good. Also, your disease covered is also reasonable. ”

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    “I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim l... ”

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    Sr no. Hospital Name Address City State Contact No Latitude Longitude Operations
    ICICI Lombard General Insurance Company Ltd. is one of the largest private sector general insurance companies in India. We offer insurance coverage for motor, health, travel, home and others. Customers can buy or renew policies online with instant policy issuance.
    Trade logo displayed above belongs to ICICI Bank Ltd. and Northbridge Financial Corporation and is used by ICICI Lombard GIC Ltd. under license. 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: U67200MH2000PLC129408.
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