Get Road Side Assistance service on Car Insurance, along with cashless services across 2900+garages.
Escape expenses arising from natural and man-made calamities with superior coverage
Increase your knowledge on car maintenance, car models, car accessories and lots more
A Flexible health insurance plan for your family to suit your needs
An enhanced Sum Insured, designed to supplement your existing health
Worldwide coverage against Accidental Death and Permanent Total Disablement (PTD)
Get a lump-sum benefit to manage critical illness expenses
Secures International Travelers against unexpected medical and non-medical expenses
Gives peace of mind to Senior Citizens traveling abroad against medical and non-medical expenses
Secures and relieves Frequent Fliers from unnerving, medical and non-medical expenses
Covers medical and non-medical expenses for students studying abroad
Customized Student Medical Insurance plans across 500+ universities
Shield your home structure and /or contents against natural calamities and man-made disasters

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Personal Protect Insurance

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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


Personal Protect Plan

Accident! - How many times do you hear this term in a day? Unfortunately, this dreaded term is heard at least once or twice a day by each one of us. Pick up a newspaper and you will get to read at least ten cases of accidents on an average. Some of the accident victims die while others get badly injured. These people weren't expecting to die but they did! Now their families must cope with the emotional loss. This may also make them suffer a loss in the kind of lifestyle they lead with you. What about serious injuries? These injuries may keep you from going to work and hence, the losses.
Is there a solution? Is it possible to keep the problems away from you and your family? Yes, it is! And this is exactly where a personal protect insurance policy comes into role play. A personal protect policy is a crucial element in your investment plan.

What is a Personal protect Insurance?
Personal protect insurance can be referred to as a policy that covers an individual for consequences in the event of an accident resulting in a wide range of inconveniences.

The Cover
The personal protect plan will cover an individual for the following:

  • Accidental Death
    Although the emotional void cannot be covered by an insurance plan, the financial part can be taken care of by the company to ensure adequate support to the family members. The plan will offer cover in case of death of the insured due to an accident within the policy period. The insured amount will be compensated to the nominee (as stated in the policy).

  • Permanent Total Disablement (PTD)
    The personal protect insurance plan will cover the insured individual against the permanent and total loss of limbs, sight etc. due to an accident. The expenses incurred in towards the treatment will be compensated as per the policy terms. The plan covers you for the permanent and total loss of limbs and sight due to an accident. The compensation will depend on the sum insured opted for. You will be given a lump-sum benefit in the event of a claim being considered admissible. The compensation is payable only under circumstances where the disablement results in incapability to remain gainfully employed.

  • Accidental Hospitalisation Expenses Reimbursement
    With a personal protect insurance policy in hand, you can get compensation for medical expenses incurred in case of hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident. This can be a big source of support for you in the time of distress. There is no need to exhaust the savings to cope with accident related expenses. The personal protect plan will take care of everything for you.

  • Accidental Hospital Daily Allowance
    In case of hospitalization due to an injury incurring from accident, the insurance company will pay you per day allowance paid each day during hospitalization after the insured event. The limitation for this facility is up to thirty days. Hospitalization exceeding 30 days will not be covered.
    It is important for any insurance buyer to understand what's NOT covered in a plan before investing. This is important to avoid any sort of confusion and inconvenience in future. So if you have already decided to buy a personal protect insurance plan, it is crucial to know about the exclusion.
    The company is not liable to compensate or approve compensation or claim if it arises from a sickness or illness. You will not be reimbursed in the event of death, injury or disablement of resulting from intentional self-injury, suicide or attempted suicide.
    Accidents occurring whilst the insured is under the influence of intoxicating liquor or drugs will not be compensated. The insurance company is not liable to compensate or cover the insured for an accident that has occurred whilst engaging in adventure activities such as aviation or ballooning.
    For accidents occurring due to mounting into, or dismounting from an aircraft, the company will not be liable to for compensating. The personal protect insurance plan is not meant for seeking cover against accidents occurring while travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
    For accidents resulting due to directly or indirect insanity or venereal disease, the company shall not pay any compensation. Accidents, injuries, and death arising from the insured committing any breach of the law with criminal intent are also not covered.
    The Personal protect Insurance Policy will not reimburse for accidents, injury, or death occurring due to the following activities and/or circumstances:

    • War
    • Invasion
    • Act of foreign enemy
    • Hostilities (whether war be declared or not)
    • Civil war
    • Rebellion
    • Revolution
    • Insurrection
    • Mutiny
    • Military or usurped power
    • Seizure
    • Capture
    • Arrests
    • Restraints
    • Detainment of all kinds
    • Nuclear weapon induced treatment
    • Childbirth or pregnancy or in consequence thereof

  • Who's Eligible for the Plan?
    A personal protect insurance plan can be helpful for you if you are within the eligible age; between 18-80 years. You can also buy this plan for your family members. Your spouse, children and / or parents should fall within the permissible age bracket. As a proposer, the approval will be given only of you are 18 years of age or above.
    Buying a personal protect insurance plan will be helpful for you and your loved ones under the event of an emergency that brings unpleasant changes in life. It will help you tackle the situation bravely. Good luck!
So why shirk away and hide your money when it comes to paying for insurance? Haggle a lot and crying will not help. It is very simple. Just as you don’t mind paying for first rate services in the hospitals, insurance plans deserve the same
Personal Protect Insurance Product Code: Misc 111
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*Sum Insured ICICI Lombard Personal Protect Insurance policy covers the insured against Accidental Death, Permanent Total Disablement (PTD) , Accidental Hospitalisation Expenses and  Accidental Hospital Daily Allowance. rupeeSymbol
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