Disclaimers

• 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. 14900+ network garages: This is as of Sept 1, 2025. Breakup is as below
  6800+ cashless garages for private cars
  6800+ cashless garages for two wheelers
  1200+ cashless garages for commercial vehicles
• C. 320+ branches: As on December 31, 2024
• D. 24x7 road side assistance: This is an add-on cover available by paying additional premium
• F. Personal accident: This is an add-on cover available by paying additional premium.
• G. Add-ons: This add-on’s can be added in own damage (OD) components by paying additional premium.

  Add-on cover	UIN
  Zero Depreciation	IRDAN115RP0002V01201920/A0003V01201920
  Road Side Assistance	IRDAN115RP0002V01201920/A0005V01201920
  Return to Invoice	IRDAN115RP0002V01201920/A0004V01201920
  Motor Floater - SAOD TW	IRDAN115RP0002V02201920/A0012V01202223
  Garage Cash	IRDAN115RP0002V01201920/A0006V01201920
  Telematics - PAYU & PHYU - SAOD Two Wheeler	IRDAN115RP0002V02201920/A0020V01202223
  Emergency Medical Expenses	IRDAN115RP0002V01201920/A0006V01202122
  Battery Protect Cover TW - SAOD	IRDAN115RP0002V02201920/A0045V01202223
  Consumables Cover	IRDAN115RP0002V02201920/A0008V01202324
  Driving Accessories Cover	IRDAN115RP0002V02201920/A0009V01202324
  Engine Protect Plus	IRDAN115RP0002V02201920/A0010V01202324
  Key Protect	IRDAN115RP0002V02201920/A0011V01202324
  Tyre and Wheel Rim Protect	IRDAN115RP0002V02201920/A0012V01202324
  Road Side Assistance	IRDAN115RP0015V01200607/A0002V01201213
  Return to Invoice	IRDAN115RP0015V01200607/A0017V01200910
  Garage Cash	IRDAN115RP0015V01200607/A0018V01200910
  Zero Depreciation	IRDAN115RP0015V01200607/A0020V01200910
  Motor Floater - Two Wheeler Package	IRDAN115RP0015V04201415/A0010V01202223
  Garage Cash	IRDAN115RP0015V01200607/A0018V01200910
  Emergency Medical Expenses	IRDAN115RP0015V04201415/A0007V01202122
  Telematics - PAYU & PHYU - Two Wheeler Package	IRDAN115RP0015V04201415/A0018V01202223
  Battery Protect Cover TW - Package	IRDAN115RP0015V04201415/A0047V01202223
  Consumables Cover	IRDAN115RP0015V05201415/A0003V01202324
  Driving Accessories Cover	IRDAN115RP0015V05201415/A0004V01202324
  Engine Protect Plus	IRDAN115RP0015V05201415/A0005V01202324
  Key Protect	IRDAN115RP0015V05201415/A0006V01202324
  Tyre and Wheel Rim Protect	IRDAN115RP0015V05201415/A0007V01202324
  IL Smart Assist - Two Wheeler Vehicle Package Policy	IRDAN115RP0015V05201415/A0104V01202526
  IL Smart Assist - Two Wheeler Vehicle Liability Policy	IRDAN115RP0016V01200102/A0105V01202526
  IL Smart Assist - Standalone third party long term Two Wheeler Insurance Policy	IRDAN115RP0016V01201415/A0106V01202526
  IL Smart Assist - 5 Years - Two Wheeler Liability Policy	IRDAN115RP0003V01201819/A0107V01202526
  IL Smart Assist - 5 Years - Two Wheeler Package Policy	IRDAN115RPMT0004V01202425/A0108V01202526
  IL Smart Assist - Bundled - Two wheeler Policy	IRDAN115RP0019V01202122/A0109V01202526
  IL Smart Assist - Stand-Alone Own Damage Two wheeler Insurance Policy	IRDAN115RP0002V02201920/A0110V01202526
  IL Smart Assist - 2 Years- Stand-Alone Own Damage Two Wheeler Insurance Policy	IRDAN115RPMT0006V01202425/A0111V01202526
  IL Smart Assist - 3 Years- Stand-Alone Own Damage Two Wheeler Insurance Policy	IRDAN115RPMT0007V01202425/A0112V01202526
  IL Smart Assist - 4 Years- Stand-Alone Own Damage Two Wheeler Insurance Policy	IRDAN115RPMT0008V01202425/A0113V01202526
  War Risk Cover - Two Wheeler Vehicle Package Policy (Tenure 1, 2 and 3 years)	IRDAN115RP0015V05201415/A0123V01202526
  War Risk Cover - 5 Years - Two Wheeler Package Policy	IRDAN115RPMT0004V01202425/A0124V01202526
  War Risk Cover - Bundled - Two Wheeler Policy	IRDAN115RP0019V01202122/A0125V01202526
  War Risk Cover - Stand-Alone Own Damage Two wheeler Insurance Policy	IRDAN115RP0002V02201920/A0126V01202526
  War Risk Cover - 2 Years- Stand-Alone Own Damage Two Wheeler Insurance Policy	IRDAN115RPMT0006V01202425/A0127V01202526
  War Risk Cover - 3 Years- Stand-Alone Own Damage Two Wheeler Insurance Policy	IRDAN115RPMT0007V01202425/A0128V01202526
  War Risk Cover - 4 Years- Stand-Alone Own Damage Two Wheeler Insurance Policy	IRDAN115RPMT0008V01202425/A0129V01202526
  IL Smart Assist EW - Motor Extended Warranty Insurance	IRDAN115RPMT0011V01202425/A0138V01202526

• 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 i.e. claims above Rs.50,000 & Third Party claims.
• K. 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.
• L. Alternate travel assistance (Smart Saver Plus add-on): It applies to Own Damage claims up to ₹50,000 for vehicles repaired at ICICI Lombard Smart Care Garages, with repairs assured within a Turn-Around-Time (TAT) of 5 days, starting the day after the vehicle is received. In case of delays beyond the assured TAT, alternate travel arrangements or reimbursements of up to ₹1,000 per day for a maximum of 5 days will be provided as per the policy terms. Unused daily allowances cannot be carried forward or redeemed later. Please refer to your policy document for detailed terms and conditions.

• General Disclaimer applicable for all health products:

• B. No medical checkup required: Terms and conditions apply. Medical Underwriting (tele screening or medical tests) will be applicable on a case to case basis, depending on health declarations, sum insured and age.
• C. 10,600+ Healthcare providers: As on July 24, 2025
• D. 60 mins TAT for cashless hospitalisation: This is only for pre-authorisation request. Compliance is subject to underlying operational challenges.
• E. 320+ branches As on December 31, 2024
• 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.
• P. Instant policy: Subject to a successful verification and approval of the submitted documents.
• Q. Cashless Everywhere: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.
  1. For elective procedures, customer should intimate at least 48 hours prior to admission
  2. For emergency treatment, customer should intimate within 48 hours of admission.
  3. Claim shall be admissible as per terms of the policy and cashless facility shall be admissible as per the operating guidelines of the Insurance Company.
• V. Tax Disclaimer: Deduction under section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto.
• 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
• O. Declared & accepted Pre-existing diseases will be covered after a waiting period of 3 years. Others include:
  1) Specific Illness Waiting Period: 2 years
  2) Bariatric waiting period: 2 years
  3) Maternity waiting period: 2 years
• X. We have option of co-pay and deductibles
• AO. 0% GST applicable for individual and family floater

• Complete Health Insurance

• H. Cataract: Claim for a cataract treatment shall be restricted to up to 10% of the Annual Sum Insured subject to a maximum of Rs.1 Lakh per eye

• Health AdvantEdge

• G. Worldwide cover: Optional covers available at an additional premium.
• Claim protector: Optional covers available at an additional premium.
• W. Top rated on Mint Beshak: ICICI Lombard's Health AdvantEdge plan has recently topped Mint- Beshak ratings. Source - www.beshak.org and www.livemint.com

• Elevate

• A. Zero hassle health policies starting @₹20/day: Elevate health policy starting @₹20/day: Premium for Elevate health insurance for Zone A, including GST and 5% online discount for the policies purchased from our website, for ₹7.5L sum insured (SI) for a customer aged 16-20 years, with no pre-existing condition, is ₹7219. Premium excluding 18% GST is ₹6118. Therefore, the per day premium is ₹19.78, i.e. approximately ₹20, sold annualy. (Zone A: Delhi, Mumbai (including Thane district, Navi Mumbai) , Gurugram district, Karnal district, Sonipat district, Rohtak district, Bhiwani district, Chakri Dadri district, Mahendragarh district, Daman & Diu, Dadra Nagar, Ahmedabad, Surat, Noida City, Ghaziabad district, Hapur district, Meerut district, Muzaffarnagar district, Shamali district)
• S. Reset Benefit: Reset will not be triggered for the first claim under the policy. Applicable only for admitted claims under “In-patient AYUSH Hospitalization”, “Inpatient Care” or “Day care Procedure/Treatment”. The total amount of reset will not exceed the Annual Sum Insured for that Policy Year. This benefit will not be available for Policies with Unlimited Sum Insured option.
• 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. The expenses covered under this benefit will be limited to In-patient Hospitalization Expenses, In patient AYUSH Hospitalization Daycare Procedures/Treatment Expenses only. Any Additional Sum Insured as available under Loyalty Bonus/Power Booster/Inflation Protector (if any) will not be available for worldwide cover . Maternity Benefit, Jumpstart, Power Booster, Infinite Care, Reset benefit, and Claim Protector will not be available for worldwide cover. This cover can only be availed by you if the insured's age is up to 65 years. This is applicable only on cashless basis.
• Z. Teleconsultation (Unlimited times): Applicable to all sum insured; consultations can be availed via IL TakeCare App . Choosing the services under this Cover is purely upon the Insured Person’s own discretion and at own risk. The services under this Benefit should not be construed to constitute medical advice and/or substitute the Insured Person's visit/ consultation to an independent Medical Practitioner/Healthcare professional.
• AA. Powered by AI: Additional coverages will be recommended basis the information provided.
• AB. Power of Infinite Personalisation: Policy can be personalized by selecting from the wide range of add-on covers available in the product.
• AF. NRI Advantage: This cover can be opted only if the insured person provides declaration that they are NRI or OCI based abroad entirety for the policy year, provides proof of oversees residence for each renewal, without which there will be no further discounts in premium under NRI Advantage.
• AG. Jumpstart add-on: Add Ons are subject to payment of additional premium. Jumpstart is applicable only in case of Asthma, Diabetes, Hypertension, Hyperlipidaemia, Obesity and Coronary Artery Disease with PTCA done at least 1 year prior to policy issuance. Applicable for domestic coverage only and to be availed for a period of 3 continuous policy years.
• AH. Infinite Care add-on: Add Ons are subject to payment of additional premium. Infinite care add-on can be opted only during first 2 policy years for domestic coverage only.
• AI. BeFit add-on: Add Ons are subject to payment of additional premium. BeFit add-on can only be opted by Insured Person(s) up to the age of 65 years during first time issuance.
• AJ. Claim Protector add-on: Add Ons are subject to payment of additional premium. For domestic coverage only. Any Sum Insured accrued under Loyalty Bonus/Inflation Protector/Reset benefit will not be available for this cover
• AK. Nursing at home: We will cover up to ₹2,000 per day for a maximum of 10 days for nurse services at your home after hospitalization. The nurse must be hospital-employed, and a doctor must certify the service as necessary for an illness or injury covered under the policy. This benefit applies only if your claim for in-patient treatment has been approved.
• AL. Dependent accommodation benefit: We will pay up to ₹1,000 per day for one immediate family member’s stay in the hospital during your hospitalisation due to a covered illness or accident, for up to 10 consecutive days. This benefit applies if your hospitalisation claim is approved, the hospitalisation was medically necessary and lasted at least 3 consecutive days, and a doctor certified the need for hospitalisation.
• AM. Durable medical equipment: We cover expenses for renting or purchasing specified durable medical equipment like wheelchairs, ventilators, and oxygen concentrators, up to ₹5 lakhs within the policy year, if prescribed by a doctor post-hospitalisation for the same covered illness or injury. This benefit is payable only if your hospitalisation claim is approved, the equipment is prescribed during or within 30 days of discharge, and the purchase is made within 30 days of the recommendation.
• AN. Inflation Protector: The % increase will be applicable only on Annual Sum Insured under the Policy and not on Loyalty Bonus or any other Covers which leads to increase in Sum Insured. At the time of renewal, if the insured person opts out of the optional cover, then the sum insured under the Inflation Protector cover accrued up to the expiring policy year will be forfeited.
• Y. Optional covers available on payment of additional premium
• I. Customise your health insurance policy for family with our ready-made set of add-ons: Optional covers available at an additional premium.

• Activate Booster

• AE. Activate Booster: Elevate and Activate Booster can be purchased individually, as per your convenience. Activate Booster, which is a super top-up policy, can be purchased along with any other base retail health insurance policies of ICICI Lombard.
• AC. Waiver of Deductible: Waiver of deductible feature allows you to convert your top up policy to a base policy with no deductible, if the policy was first purchased before the age of 50 and is continuously renewed thereafter. This feature can be exercised only when the age of the eldest insured member is between the ages of 55-65 years.
• AD. Guaranteed Deductible Reduction: Guaranteed deductible reduction feature to reduce your deductible by 10% at each renewal, with maximum reduction of 50% of the deductible opted during the first policy issuance. If the policy is continuously renewed with us.

• Activate Booster (Combo*)

• U. 1 crore (Base/Deductible + Top-up): This policy provides coverage of 1 crore and other sum insured options as per requirement. For more details please refer the policy documents.

• Family Shield

• AO. Accidental Death Benefit: It is payable as per the Sum Insured specified in the policy, if the insured person suffers an injury due to an accident during the policy period that solely and directly results in death within 365 days from the date of the accident. The benefit shall be paid in the manner specified in the policy document.
• AP. Permanent Total Disability Benefit: It is payable as per the Sum Insured if an injury from an accident during the policy period causes permanent total disablement within 365 days. If the insured person dies before claim admission, no payout is made under this benefit; a claim may be considered under the Accidental Death Benefit (if applicable). Only one claim is allowed, and once paid, all related covers — Accidental Death and Permanent Total Disablement — will cease. Other Benefits, if applicable, will continue as per policy terms.
• AQ. Permanent Partial Disability Benefit: Permanent Partial Disablement Benefit pays a percentage of the Sum Insured if an accident causes specified permanent partial loss within 365 days. If death occurs before or after a claim, payouts may be adjusted under Accidental Death or Permanent Total Disablement Benefits. Total liability cannot exceed the Sum Insured. Cover continues as per Policy terms and conditions.
• AR. Physical Rehabilitation Benefit: It is payable when the insured person undergoes Physical Rehabilitation within 8 weeks from the date of the accident and such treatment shall be approved by the treating medical practitioner/surgeon.

• A. Inclusions/Exclusions: These are a part of an indicative list, for detailed information please refer policy wordings.
• B. Lost checked in baggage: We shall indemnify the Insured for the value of the Checked In Baggage totally lost whilst in custody of the Common Carrier during the period of journey in relation to Trip covered.
• C. MISSED (FLIGHT) CONNECTIONS of International Travel Insurance: The time gap between the scheduled arrival of the previous flight and the scheduled departure of the next flight (Missed Flight) shall be less than 3 hours.
• D. Delay of checked-in-baggage: Fixed allowance in case the Insured shall encounter a delay in receipt of his/ her Checked-In Baggage beyond the period as specified in the Policy Schedule.
• E. World wide cashless hospitalisation: To avail this service. Customer needs to inform us at least 24 hours before the Date of Admission (DOA) to faciliate Anywhere Cashless. This facility will be extended based on the confirmation from respective hospital/ healthcare provider” and "T& C Apply
• F. Personal accident (TripSecure+): We shall pay a lump sum payout in case of death or permanent total disablement or permanent partial disablement of the insured during the policy period. Excludes amounts related to medical expenses.
• G. Financial emergency cash allowance (TripSecure+): Lump sum payout in case you are left with no travel funds following an incident of theft, robbery, etc. during the policy period. No claim will be accepted if the claim is reported to the Company or Assistance Service Provider more than 48 hours after the incident of theft or burglary of luggage/money.
• H. Burglary- Home Contents (TripSecure+): Indemnification for financial loss or damage due to burglary/attempted burglary at your residence while you are on a covered trip. Excludes the loss or damage while Insured’s premises is unoccupied, for a consecutive period of more than 30 days, without informing informed the Company and obtaining its written approval. Also excludes Theft without actual forcible and violent entry and/or exit from the premises.
• I. Hospitalisation Expenses for Injury and Illness (TripSecure+): Reimbursement of medical expenses incurred for medical treatment on account of injury. Either Hospitalisation Expense for Illness and Injury cover or Hospitalisation Expense for Injury cover can be selected. Both cannot be opted together. Sub limits, if any, under this cover can be removed upon payment of additional premium.
• J. Loss of checked-in baggage (TripSecure+): Under this cover, coverage is limited to any one incident of loss.
• K. Trip cancellation (TripSecure+): Indemnification for financial loss (travel and accommodation) incurred on cancellation of trip due to unexpected events e.g. sickness, natural calamities, terrorist attack etc.
• L. Car rental cover (TripSecure+): We will reimburse the Insured for the Rental Vehicle Insurance in case the Rental Vehicle is stolen, damaged or involved in a collision whilst in the care of the Insured. Rental Vehicle Insurance means the amount, the Insured is legally liable to pay under the Rental Vehicle hiring agreement to the car rental company, if the Rental Vehicle is involved in an accident or is stolen during the rental period. However, the Rental Vehicle Insurance does not include the Deductible amount as defined under Cover 36: Car Rental Cover for Deductible.
• M. Loss of passport and international driving license (TripSecure+): Reimbursement of a fixed benefit amount shall be given to the Insured is he/she loses or damages their original Passport or International Driving License.
• N. Financial emergency cash allowance: Lump sum payout in case you are left with no travel funds following an incident of theft, robbery, etc. during the policy period. No claim will be accepted if the claim is reported to the Company or Assistance Service Provider more than 48 hours after the incident of theft or burglary of luggage/money.
• O. Pre-existing disease cover add-on (TripSecure+): Subject to payment of additional premium. Sub limits, if any, under this cover can be removed upon payment of additional premium.
• P. Medical evacuation (TripSecure+): Reimbursement of expenses for emergency transportation and evacuation services necessitated due to any Illness contracted or accidental Injury sustained during the policy period. Excludes any Medical treatment or expense related to Cruise cover unless such Cover 32: Medical Cover on a Cruise has been opted.
• Q. Adventure sports add-on (TripSecure+): Subject to additional premium.
• R. Debit and credit card and forex card - fraudulent utilisation (TripSecure+): Reimbursement for financial loss due to fraudulent utilization of debit / credit / forex card in the event of loss or theft of such card during policy period upto the limit as defined in policy certificate.
• S. Travel insurance starting at just @ ₹22/day: The given per day rate is quoted on the basis of selecting the geography as Asia for a 90 days trip which includes selected 16 covers out of all the covers of the policy for the age band upto 50 years only. Please note, this per day rate is subject to change on the basis of selection of Sum insured, Age, coverage with individual sum insured,  deductibles ,trip duration and selection of sublimit factor. For complete details, please read complete policy terms & conditions before concluding the Purchase.
• T. 0% GST applicable on individual and family travel policies.