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Personal Protect

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Health Insurance - Policy Details

Key Benefits

  • Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident
  • Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
  • Customised 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
Know more about key benefits
Key Benefits
  • Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident
  • Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
  • Customised 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.*
*To know more about EMI options Click here.

Eligibility and Coverage

Claim Process


Individual Accident Insurance plan

One Last Ride

  • As per WHO, India accounts for the highest number of deaths from road accidents
  • Every 3 minutes, an Indian dies

Did you know that you are more prone to accidents than you would have ever imagined? Every time you step out of your home, you are prone to several dangers like road accidents, which alone account for 34.3% of accidental deaths in India.

The following statistics published by the National Crime Records Bureau highlight the major causes of accidental deaths in India:

While minor accidents can incapacitate you temporarily, major accidents can severely impact your life and affect your family’s well-being. A sound insurance plan safeguards you and your family from the financial repercussions of meeting with an accident.

Quick Facts

  • Age Limit: 18 to 80 Years
  • Age Limit: 18 to 80 Years
  • Sum Assured: Rs. 3 / 5 / 10 / 15 / 20 / 25 Lakhs

Quick Facts

  • FIR
  • Post-mortem Report (if applicable)
  • Death Certificate
  • Medical/Hosipital Report
  • Discharge Card
  • Completed Claims form
  • Any Other Document Required by the Company
Permanent Total Disablement (PTD)

Permanent Total Disablement (PTD)

Protect your family’s future with a Personal Protect Plan

Protect your family’s future with a Personal Protect Plan

Keep your finances in check with a Personal Protect Plan

Keep your finances in check with a Personal Protect Plan

Personal Protect Insurance Policy

Personal Protect Insurance Policy is a unique policy designed to take care of your financial worries in the unfortunate event of an accident. The policy offers to compensate you or your kin in case you meet with a fatal accident or become disabled for life. It also provides for hospitalization expenses due to any accidental injuries.

Benefits of a Personal Protect Policy

These are the benefits you and your family can leverage from owning a Personal Protect Policy:

  • Family Security:A personal accident insurance plan secures your family’s future and provides assistance to settle your financial liabilities in case you meet with an accident.
  • Tailored Policy: You can customize your coverage by selecting the sum insured and duration of policy from multiple options. Depending on your current earning capacity, future earning potential, and extent of liability you may choose an appropriate amount of sum insured for financially securing yourself.
  • Wide Coverage: Various types of accidents like road accidents, rail accidents, terrorist attacks and natural calamities are covered under this policy.
  • No Medical Tests: You do not have to undergo a cumbersome medical examination to opt for a Personal Protect Policy.
  • Online Convenience: Purchasing a Personal Protect Policy online is very simple and requires minimal documentation. You have the option of paying your premium through various payment options (Debit card, Credit card, etc.) and you can set renewal reminders for your policy.
  • Mobile Connectivity: You can purchase or renew a policy and file for claims instantaneously by using theIL Insure Mobile App, which has a simple user-friendly interface that helps you locate information quickly and get things done in minutes.

Coverage of a Personal Protect Policy

  • Accidental Death: It is impossible to quantify the loss of a loved one. However, financial support goes a long way duringsuch hard times. This policy ensures support to the nominee of the policyholder by providing the insured amount.
  • Permanent Total Disablement (PTD): A crippling injury that leaves you disabled for life is a traumatic experience. Losing your job and livelihood is the worst ramification of a disabling injury. In such cases, a Personal Protect Policy offers you 100% sum insured to compensate you for the loss of gainful employment due to permanent disablement. PTD is classified based on three major categories and their respective conditions, which are listed in the policy document.
  • Reimbursement of Hospital Expenses: Medical treatment can be costly and leads to financial strain at a time when you have bigger problems to deal with. When you are covered by a Personal Protect Policy, you don’t have to dig into your own pocket to pay hospital bills. Instead, the insurer compensates your medical expenses arising due to hospitalization within a week of your accident. A minimum of 24 hours of hospitalization is required to avail this optional cover.
  • Hospital Daily Allowance: This add-on feature supplements your cash flow and provides monetary relief while you undergo treatment at the hospital. It offers to compensate you for a maximum of 30 days in a year. Subject to the extent of your coverage, a daily allowance of Rs. 1000 or Rs. 2000 can be availed.
  • Acts of Terrorism: Injuries afflicted due to any acts of terrorism are also covered by this plan.

What Is Not Covered?

Educating yourself about the terms and conditions before selecting any insurance policy is always strongly recommended. Personal Protect Policy does not cover claims that arise due to the following:

  • Hospitalization due to sickness (not as a consequence of any accident)
  • Intentional self-injury
  • Attempted suicide / suicide
  • Venereal diseases
  • Accidents under state of intoxication
  • Accidents due to consumption of liquor or drugs
  • Mental disorders
  • Minor or major injuries during adventure sports, war, nuclear perils, childbirth or pregnancy
  • Other circumstances like invasion, mutiny, arrests, etc.

A personal accidental plan safeguards your financial interest in case of a mishap. Make an informed choice and secure your family’s financial health with the Personal Protect Policy.

Read More Health Insurance Articles

Personal Protect (Individual accident Insurance) Product Code: Misc 111
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Customer Reviews
Average Rating:
30 Ratings | 30 Reviews
Sabarish TS September 5, 2015
The team clearly explained to me about the option of personal insurance policy which I also opted for in addition to my car insurance. Thank you for the support.
Anand joseph rao
October 25, 2014
Very good service
Waman kothekar
October 21, 2014
Online service is good
Mushtaq ahmed mulla
October 13, 2014
Harald caesar fernandes
October 03, 2014
Keep up the good work
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