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Disclaimers

  • Car
  • Two wheeler
  • Health
  • A. Motor Vehicle Act: For more details on Motor Vehicles (Ammendment) Act 2019, please refer to: https://egazette.nic.in/WriteReadData/2019/210413.pdf
  • B. Car insurance starting price ₹2094: This premium, excluding 18% GST, applies to Motor Third Party Liability Insurance for private cars with cubic capacity of less than 1000 cc for a 1 year policy and may vary depending on the cubic capacity of the vehicle. The TP rates are provided by IRDAI and are subject to change as per the guidelines issued by authority from time to time.
  • C. Cashless garages count of 6100+ as on 30 August, 2023.
  • D. Claim via InstaSpect: Instant approval is subject to policy terms & conditions and type of loss/damage. Approval would be subject to physical survey of the vehicle wherever deemed necessary. The insurer reserves the right to conduct a physical survey in accordance with the regulatory prescriptions. This is not applicable for major loss & TP claims.
  • E. Preferred network garages services:
    • Pick-up & drop facility for your damaged car within city limits subject to availability of services.
    • Loss assessment survey within 4 hours at preferred network garage.
    • Quality assurance of 6 months or maximum usage up to 6000 km post repairs whichever is earlier. This is applicable only if the claim has been intimated to us first before reporting the vehicle to any other garage. Also not applicable on consequential losses.
  • F. No Claim Bonus (NCB): No Claim Bonus will only be allowed if the policy is renewed within 90 days of the expiry date of the previous policy and there's no paid/pending claims on the previous policy. It is applicable for own damage section of the policy. Complete transfer of NCB can be done based on NCB reserving letter availed by the customer on the old vehicle provided the insured person remains the same. This will not be over and above the existing NCB in policy. Only either of the two can be taken.
  • G. Add-on covers: These are available at an additional premium.
    Add-on cover UIN
    Road Side Assistance UIN IRDAN115RP0017V01200102/A0027V01201213
    Zero Depreciation Cover UIN IRDAN115RP0017V01200102/A0368V01200910
    NIL Depreciation UIN IRDAN115RP0017V01200102/A0368V01200910
    Garage Cash Cover UIN IRDAN115RP0017V01200102/A0256V01200910
    Tyre Protect UIN IRDAN115RP0017V01200102/A0001V01201819
    Consumable Items UIN IRDAN115RP0017V01200102/A0216V01200910
    NCB Protect UIN IRDAN115RP0017V01200102/A0294V01200910
    Return to Invoice UIN IRDAN115RP0017V01200102/A0329V01200910
    Engine Protect Plus UIN IRDAN115RP0017V01200102/A0015V01201213
    Key Protect UIN IRDAN115RP0017V01200102/A0019V01201213
    Loss of personal belongings UIN IRDAN115RP0017V01200102/A0021V01201213
    EMI Protect UIN- IRDAN115RP0017V01200102/A0001V01202021
    Motor Flaoter UIN IRDAN115RP0017V01200102/A0009V01202223
    Telematics UIN IRDAN115RP0017V01200102/A0017V01202223
  • Road Side Assistance: This add-on cover is available at an additional premium. Complimentary taxi services, towing, flat tyre services will be provided for up to 50 kms beyond which additional charges will be applicable. Accommodation will be provided for only one day with limit of ₹5000 if the breakdown/accident has happened at least 100 kms away from the insured's place and time of repair of the insured vehicle exceeds 12 hours.


    Garage Cash: This add-on cover is available at an additional premium. To avail this, minimum number of days spent in garage should be 2 days, and coverage days can be for up to 14 days. The per-day allowance is ₹500.


    Zero Depreciation: This add-on cover is available at an additional premium depending on the age, make-model, and RT of the vehicle.



  • H. Doorstep Cashless Claims: Call us on 1800 2622 before reporting vehicle to any garage for doorstep service. The service is currently available in selected cities. For more details, please call on toll free number or visit our website.
  • A. Starting at just ₹538: This annual premium applies to Motor Third Party Liability Insurance for two wheelers with cubic capacity of less than 75 cc for a 1 year policy and may vary depending on the cubic capacity of the vehicle. The TP rates are provided by IRDAI and are subject to change as per the guidelines issued by authority from time to time.
  • B. 6500+ cashless garages: As on on 30 August, 2023
  • C. 300+ branches: As on October 06, 2023
  • D. 24x7 road side assistance: As on 1st June, 2021
  • E. Service guarantee on repairs done at network garage: 6 months or maximum usage up to 6000 km post repairs whichever is earlier. This is applicable only if the claim has been intimated to us first before reporting the vehicle to any other garage. Also, not applicable on consequential losses.
  • F. Personal accident: This is an add-on cover available by paying additional premium.
  • G. Add-ons: Available by paying additional premium
    Add-on cover UIN
    Road side Assistance UIN IRDAN115RP0015V01200607/A0002V01201213
    Zero Depreciation Cover UIN IRDAN115RP0015V01200607/A0020V01200910
    Garage Cash UIN IRDAN115RP0015V01200607/A0018V01200910
    NCB Protect UIN IRDAN115RP0015V01200607/A0019V01200910
    Return to Invoice UIN IRDAN115RP0015V01200607/A0017V01200910
    Telematics UIN IRDAN115RP0015V04201415/A0018V01202223
  • H. You get quality assurance: 6 months or maximum usage up to 6000 km post repairs whichever is earlier. This is applicable only if the claim has been intimated to us first before reporting the vehicle to any other garage. Also, not applicable on consequential losses.
  • I. Up to 93% discount on two-wheeler insurance: This discount is applicable only on the Own Damage section of the Two wheeler vehicle package policy only and is available only for scooters which are older than 5 years.
  • J. InstaSpect: Instant approval is subject to policy terms & conditions and type of loss/damage. Approval would be subject to physical survey of the vehicle wherever deemed necessary. The insurer reserves the right to conduct a physical survey in accordance with the regulatory prescriptions. This is not applicable for major loss & TP claims.
  • A. Zero hassle health policies starting @₹18/day: Premium for Health AdvantEdge Apex Plus plan for Zone 3, including GST and 5% online discount for the policies purchased from our website, for ₹5L sum insured (SI) for a customer aged 0-25 years, with no pre-existing condition, is ₹6,441.95. Premium excluding 18% GST is ₹5459.65. Therefore, the per day premium is ₹17.6, i.e. approximately ₹18, sold annually. (Zone 1: NCR, Mumbai, Thane District, Navi Mumbai, Gujarat, Kolkata. Zone : Hyderabad, Secunderabad, Chhattisgarh, Madhya Pradesh, Daman & Diu, Dadra & Nagar Haveli, Goa, Maharashtra [excluding Mumbai, Thane District, Navi Mumbai]. Zone 3: Rest of India)
  • B. No medical checkup required: No medical tests will be required for insurance cover below the age of 56 years and sum insured up to ₹20 lakh.
  • C. 7500+ Healthcare providers: As on March 31, 2023
  • D. 60 mins TAT for cashless hospitalisation: Turnaround time of 60 minutes is from the time of receipt of complete documents, on best effort basis.
  • E. 300+ branches: As on October 06, 2023
  • F. Domiciliary hospitalisation: Available in health shield, health shield plus, health elite and health elite plus plans
    Air ambulance cover: Available in health shield, health shield plus, health elite and health elite plus plans
    Donor expenses: Available in health shield, health shield plus, health elite and health elite plus plans
    Emergency services: Available in health shield, health shield plus, health elite and health elite plus plans
    Unlimited reset benefit: Available in health shield, health shield plus, health elite and health elite plus plans
    Available in Health AdvantEdge plans: Available in health shield, health shield plus, health elite and health elite plus plans
  • G. Worldwide cover: Optional covers available at an additional premium.
    Super no claim bonus: Optional covers available at an additional premium.
    Claim protector: Optional covers available at an additional premium.
  • H. Cataract: After 2 years from the policy start date, any claim for cataract treatment shall not exceed ₹20,000 per eye during each policy year for sum insured up to ₹5 lakh and shall not exceed ₹1 lakh per eye for sum insured ₹7 lakh and above.
  • I. Customise your health insurance policy for family with our ready-made set of add-ons: Optional covers available at an additional premium.
  • J. Donor expenses: Donor expenses are covered under base plan up to ₹10 lakh in health shield, health shield plus, health elite & health elite plus.
  • K. Optional covers available at an additional premium. Donor expenses is available as an optional add-on in iHealth covering up to ₹50,000.
  • L. 99.7% of health insurance claims*: For FY 2020-21
  • M. 62%* of healthcare costs are out of hospital expenses: As per the Insurance Regulatory and Development Authority of India (IRDAI), out of pocket medical expenses make up for nearly 62% of the total healthcare costs in India.
  • N. Health AdvantEdge: Medical test will be needed if age is above 45 years and sum insured is above ₹ 10 lakh
  • O. Declared & accepted Pre-existing diseases will be covered after a waiting period of 2 years.
  • P. Instant policy: to a successful verification and approval of the submitted documents.
  • Q. Anywhere Cashless: As per policy T&C. This facility will be extended based on confirmation from respective hospital/healthcare provider. Customer to request through app at least 24 hours before planned admission date.
  • R. Health Booster Starting Price ₹ 132/month: is for a sum insured of ₹ 5 Lac, at a deductible of ₹ 5 Lac for 1 adult, 21 years old.
  • S. Reset benefit: Reset will not be triggered for the first claim under the policy. Applicable only for admitted claims under “Inpatient Care” or “Day care Procedure/Treatment”. The Reset Benefit will not be available for an Illness / Injury or related complications including but not limited to any relapse within 45 days in respect of which a claim has been paid in that Policy Year for the same Insured Person.
  • T. Worldwide coverage: There will be a waiting period of 2 years after this cover has been opted to avail any kind of benefit under the same. There will be no waiting period for any inpatient hospitalization claims arising due to Accident or Injury. In case of planned Inpatient Care, prior intimation of at least 7 days in advance of travel and due approval from Us will be necessary. In case of hospitalisation for emergency care, You must intimate us within 24 hours of such inpatient admission. This cover can only be availed by you if the insured's age is up to 65 years.
  • U. 1 crore: This policy provides coverage of 1 crore and other sum insured options as per requirement. For more details please refer the policy documents.
  • V. Tax Disclaimer: Deduction under section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto.
  • W. Tax Disclaimer: ICICI Lombard's Health AdvantEdge plan has recently topped Mint- Beshak ratings. Source - www.beshak.org and www.livemint.com

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